Dental Important Information
Important information about the full-time dental plan:
- Preventive care is covered at 100% with no deductible when using an in-network provider as long as you have not exceeded the plan’s annual maximum. After you meet the deductible, the plan pays a percentage of the cost for basic and major care. You do not have to meet the annual deductible before the plan pays for orthodontia.
- Employees and covered dependents can continue to increase their benefit maximum $100 per year by having preventive services done each year. The benefit maximum will be $1,500 for the Low plan and $2,000 for the High plan. If an employee or covered dependent does not have preventive services, their benefit will be reduced by $100 per year. All employees and covered family members will be guaranteed the first year benefit maximum of $1,300 for the Low plan and $1,800 for the High plan regardless of their participation in preventive services.
- The plan provides orthodontia coverage for eligible children under age 26 and adults up to a $1,000 per person lifetime limit for the Low plan and $2,000 for the High plan. Please note that the orthodontic devices must be applied while enrolled in this plan and will not cover any preexisting orthodontic devices.
- If a course of treatment will exceed $200, an advance treatment plan should be submitted for review before the work starts. You and your dentist will receive an estimate of the benefits payable under the plan.
- Deductions for dental coverage are made on a pre-tax basis every pay period. If the deduction isn’t made because you don’t work enough hours, the cost of coverage will be deducted from your next available paycheck(s) unless you live in CA, CT, DE, MN, NV, or VA. If you live in one of these states or you are on an approved leave of absence, you will be billed at your home address on file. In addition, if you live in one of these states and your coverage was terminated for non-payment, you will be required to pay unpaid premiums before you re-enroll in the plan.
- Visit the Cigna website to search for providers in the Radius network in your area. Areas that do not have an adequate number of in-network dentists will receive in-network benefits even if your dentist is out-of-network. We refer to this as a “passive network.” If your location is not passive, your area has an adequate number of dentists, and you will need to visit an in-network dentist in order to receive in-network benefits. Contact Cigna to determine if your location is passive.