Original Medicare only covers dental services if they’re needed due to illness or injury. But many Medicare Advantage plans include dental coverage, including Cigna Medicare Advantage plans.
Routine dental checkups and cleanings are the best way to prevent painful or expensive oral health problems.
Cigna Medicare dental coverage is included in most Cigna Medicare Advantage plans. These plans offer the same options as Original Medicare — medical and hospital coverage — as well as prescription drug plans. They also include hearing, vision, and dental coverage.
Many Cigna Advantage plans also provide preventive dental care, including routine checkups, cleanings, and X-rays, with no copays or deductibles.
Cigna has a national network of over 90,000 dentists who provide dental care for their Medicare members. Read on to learn about your dental coverage options with Cigna Medicare Advantage plans.
Medicare dental coverage varies between plans. When you visit an in-network dentist, they will automatically submit your insurance claim, and you won’t have to worry about the paperwork.
Specifically, Cigna Medicare Advantage plans may offer the following dental benefits:
Cigna Dental Care (DHMO)
These plans may include coverage for services that are not included in other dental plans. These may include preventive services such as regular check-ups and cleaning or more extensive dental procedures like fillings, tooth extractions, root canals, dentures, and other treatments.
The plans don’t have a deductible or annual limit on covered services. You can select a general dentist within the network to handle all your routine care needs.
If your plan includes coverage for orthodontic services, you can see a network orthodontist without a referral, and you also don’t need a referral for specialists like orthodontists and pediatric dentists for children ages 13 and under.
Cigna Dental Allowance (DPPO)
This is a dental allowance to help cover the cost of routine dental services not covered by Original Medicare. These services may include exams, cleanings, x-rays, fillings, root canals, crowns, and dentures. However, limitations, exclusions, and restrictions may apply.
You will be able to choose between:
- Full dental allowance benefit: You can choose any licensed dental provider who accepts Medicare. If you visit a dentist in the Cigna Dental Allowance (DPPO) network, you’ll receive a discount on your services to help stretch your allowance dollars even further.
- Dental allowance in-network only benefit: This allowance is for use with in-network Cigna dental providers. You can’t go to an out-of-network provider under this plan, or you will be responsible for paying 100% of any billed charges.
- Dental allowance with 50% out-of-network coinsurance benefit: This benefit is also intended for use with in-network Cigna Dental Providers. But if you go out-of-network (OON), the plan will still pay for 50% of the cost.
Before selecting a policy, check the deductibles and copays and find out if you need to choose a primary dentist or see in-network dentists. For most plans, visiting in-network dentists will provide better benefits.
Is Cigna Medicare Advantage a PPO or HMO?
With Cigna, your plan options include both HMO and PPO plans. In fact, most Advantage plans offer preventive dental care, and some will include more comprehensive dental services.
You can compare all the plans available in your area using the Medicare plan finder tool. Just enter your ZIP code.
Costs for Medicare Advantage plans are based on your ZIP code and the plan you choose. Here is a sample of the costs for Cigna Medicare Advantage plans that include dental.
| City | Plan Name | Monthly premium | Out-of-pocket maximum (in network) |
|---|---|---|---|
| Atlanta, GA | Cigna Preferred GA (HMO) | $0 | $5,500 |
| Cigna Preferred Medicare (HMO) | $0 | $5,100 | |
| Cigna True Choice Savings Medicare (PPO) | $0 | $6,751 | |
| Chicago, IL | Cigna Preferred Medicare (HMO) | $0 | $2,350 |
| Cigna Premier Medicare (HMO-POS) | $0 | $3,250 | |
| Cigna True Choice Medicare (PPO) | $0 | $4,000 | |
| Dallas, TX | Cigna Preferred Medicare (HMO) | $0 | $2,600 |
| Cigna True Choice Courage Medicare (PPO) | $0 | $5,700 | |
| Cigna Preferred Savings Medicare (HMO) | $0 | $7,200 | |
| Denver, CO | Cigna Preferred Medicare (HMO) | $0 | $3,550 |
| Cigna True Choice Medicare (PPO) | $0 | $5,200 |
American citizens or permanent residents over the age of 65 are eligible for Medicare. Adults under 65 who have a chronic illness or a disability may also qualify for Medicare.
For Cigna Medicare dental, you’ll need to sign up for original Medicare parts A and B. Contact your local Social Security office to enroll.
To enroll in a Cigna Medicare Advantage plan with dental coverage, visit the Medicare plan finder tool. Enter your ZIP code to see all the Cigna plans available in your county and compare benefits. Check each plan’s dental coverage, deductibles, and copays.
To enroll, fill out an online application form or call customer service for assistance.
Learn more: Does Medicare cover dental?
Cigna offers dental plans as part of their Medicare Advantage plans.
Medicare Advantage dental plans may cover preventive dental care, which can help lower your dental care costs in the future by helping you keep your teeth healthy.
If you are eligible for Medicare Advantage, you are eligible for dental plans when offered.