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Cigna Dental Insurance Coverage in Midwest City

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Insurance coverage forms At Midwest Dental Center, we are always dedicated to making dental care painless and stress free for every patient. One stressor that patients don’t always take into consideration is planning for the out of pocket cost of their dental care. One way we help patients to offset their out of pocket treatment costs is by processing and filing dental insurance claims for most PPO providers. We are also happy to offer in-network coverage for a number of insurers, including Cigna. If you have insurance coverage through Cigna or another PPO dental benefit provider, please don’t hesitate to let a member of our team know when you schedule your first appointment. We will be happy to review your policy to help you receive the maximum coverage from your very first visit in our Midwest City dentistry practice. Call the Midwest Dental Center today to get started. We look forward to seeing you soon.

Smiling woman in dental chairHow Does Dental Insurance Work?

Dental insurance coverage like other types of insurance plans works by providing patients payment for a percentage of the cost of their necessary dental care up to an annual plan maximum that is usually between $1000 and $1500. In exchange, patients pay a monthly premium. There are two main types of dental benefit plans – health maintenance organizations (HMO) and preferred provider organizations (PPO). HMO plans have lower monthly premiums, but they typically have more restrictions concerning what dental offices you can visit and which treatments will be covered. PPO plans have higher premiums, but they give patients the flexibility to visit a greater number

Smiling man in dental chair giving thumbs up
What is Covered by My Cigna Plan?

Plans vary, but for the most part, you can expect to receive coverage for the following types of dental treatment:

  • Preventive care – usually covered 80 to 100%
  • Restorative services – usually covered 50 to 80%
  • Orthodontics (if elected) – usually covered 20 to 70%

Dental insurance on computer screenHow Can I Maximize My Benefits?

The easiest way to maximize your dental insurance coverage is actually to visit our office more often. Cigna insurance plans place an emphasis on prevention, usually covering all or most of the cost of dental checkups and teeth cleanings every six months. When you visit us for these biannual exams, you significantly reduce your risk for oral health concerns that require more advanced treatments that receive lower coverage from your insurer. Some other simple ways to maximize your insurance benefits include:

  • Communicate with your dentist and dental team regularly about your coverage to ensure you understand out of pocket costs for your covered treatments
  • Before beginning an advanced treatment plan, ask your dental office to apply for preauthorization to ensure you will receive the estimated treatment coverage
  • Visit an in-network dentist to avoid paying additional fees for covered treatments

Do I Have to Visit an In-Network Dentist?

One of the benefits of PPO insurance policies is that you are able to receive coverage no matter what dental office you visit. However, visiting an in-network dentist can help you to minimize your out of pocket treatment costs. In-network dentists have agreements with PPO plan providers to charge fees within a certain price range. Out of network dentists may charge fees that are higher than the insurer’s fair and average pricing, but you’ll need to pay the difference in price as well as your out of pocket costs. Typically, these differences in cost are negligible, but visiting an in-network dentist can completely alleviate the potential stress of needing to pay additional fees.