1 minute read
Dental Insurance
from 2023 Digger Specialties, Inc. Benefit Guide - DRAFT
by Gibson EB
Cigna Dental PPO
You may utilize the dental provider of your choice, and the benefit level (100%, 80% or 50%, depending on the type service) is the same regardless of the provider being considered in or out of network. However, by using a provider participating in the Cigna Dental PPO, you may have lower out-of-pocket costs due to pre-negotiated rates and maximum allowable costs in the provider contract.
If you utilize a dental provider that does not participate in the Cigna Dental PPO, you are responsible for any amount charged by the provider which exceeds the reasonable and customary (R&C) allowable fee. The R&C fee is the amount the insurance company considers the reasonable charge based on the type of service and the geographical area where you receive treatment.
Note: Even if you use a participating dentist, you are always responsible for your deductible and coinsurance amount.
You may visit www.cigna.com to find participating providers in your area or by calling (800)244-6224:.
1. Click on “Find a Doctor, Dentist or Facility”
2. Select “Employer or School” link
3. Enter your zip code
4. Select “Doctor by Type” link
5. Select, “General Dentist, Pediatric Dentist, or Orthodontist”
6. Continue as a “Guest” until January 1st, then you can setup a username and password
7. Select “Cigna DPPO Advantage” Plan
