You the ability to choose from 3 dental plans.
You may have up to three dental plan options to choose from, depending on your home zip code:
- Dental Basic Preferred Provider Organization (Basic PPO)
- Dental Plus Preferred Provider Organization (Plus PPO)
- Dental HMO (DHMO)*
*Note: DHMO benefits are subject to state insurance mandates and vary slightly from state to state. If you are not currently enrolled in DHMO and would like more information, please call Cigna directly for assistance.
The Dental PPO options differ in how much you pay for your dental expenses:
- With the Basic PPO, you'll pay less in monthly contributions but more when you receive care.
- With the Plus PPO, you'll pay more in monthly contributions and less when you receive care and have additional dental benefits that the Basic PPO does not cover, like orthodontia.
Under both options, you are free to go to any dentist under the Cigna Dental Plan, but will receive enhanced benefits (lower deductibles, better coinsurance and higher maximums) when using in-network providers. Visit www.mycigna.com to find a participating dentist.
The dental HMO option offers:
- No annual deductible or maximums, with lower payroll contributions than the PPO options.
- Fixed charges for services, making your out-of-pocket costs more predictable.
- No out-of-network coverage under the plan.
- Eligibility for this plan is based on your home zip code. If you log on to enroll and don’t see the DHMO as a dental option, that means there aren’t enough DHMO dentists in your zip code to support enrollment.
- A general dentist will be assigned to you after you enroll. You can call Cigna or logon to www.myCigna.com to find the name of your assigned general dentist, or change them, at any time after you receive your Cigna DHMO ID card(s). If you change your general dentist by the 15th of the month, the change will take effect the first of the following month.
- If you enroll in the DHMO, you will be mailed ID cards to your home address.
Each dental option offers access to the same Cigna Advantage network of participating dentists. Here are some things you should know about the Advantage network.
- You can visit any participating Cigna Advantage Network dentist to take advantage of discounted fees and higher in-network benefits.
- If you want in-network coverage, you should check to be sure your provider is in the network prior to every dental appointment. Cigna cannot guarantee the availability of in-network providers in every geographic area.
- You have the freedom to choose any dentist under the Basic PPO and Plus PPO plans. However, if you choose a core network preferred dentist, your health care dollars will go further since the plan pays more if you go in network. If you visit a non-network dentist and receive out-of-network benefits, those dentists have not agreed to reduce their fees. If the non-network dentists’ fees are higher than the maximum allowed by the Plan, you must pay the difference in addition to your deductible and coinsurance. The Dental HMO plan does not offer any out-of-network coverage.
Cigna's Dental Wellness Plan.
Through Cigna’s Dental Wellness Plus program, if you have one annual dental check-up in one year, an additional $50 will be added to your calendar year maximum for the following year (up to a maximum of $150 after three years).
Each covered individual, you and your covered dependents, is eligible to earn $50 toward the out-of-pocket maximum. Once you or your dependent earns an increase in the calendar year maximum, the increase will stay with you for as long as you participate in the Plan. All Stanley Black & Decker associates will start the new year with new annual per person benefit maximums.
