Paul Sanchez
Cigna is a health services organization that offers a range of insurance products and plans for individuals, families, and groups. One of their products is Cigna Dental 1500, a dental insurance plan with specific features and requirements that vary by location and plan type. Cigna Dental 1500 is provided by operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company and Cigna Dental Health, Inc. In Texas, the plan is referred to as the Cigna Dental Choice Plan and utilizes the national Cigna Dental PPO Network. Cigna also offers health insurance plans, accidental injury plans, critical illness plans, and hospital care plans, which are insured or administered by various subsidiaries and affiliates, depending on the state.
| Characteristics | Values |
|---|---|
| Type | Dental Insurance |
| Provider | Cigna Healthcare |
| Insurer | Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc., and Cigna HealthCare of Texas, Inc. |
| Availability | Oregon, New Mexico, Texas |
| Waiting Period | May be waived for Class 2 and 3 if prior dental coverage meets certain conditions |
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What You'll Learn
Cigna Dental 1500
The availability of Cigna Dental 1500 and the specific services covered may differ depending on the location and the type of plan chosen. It's always advisable to review the plan documents or consult a Cigna Healthcare representative to understand the costs and coverage details, as all insurance policies have certain exclusions and limitations.
In Texas, for example, the insured dental product is known as the Cigna Dental Choice Plan, which utilizes the national Cigna Dental PPO Network. Group health insurance and health benefit plans offered by Cigna are typically insured or administered by CHLIC (Connecticut General Life Insurance Company) or CGLIC, and their affiliates.
When considering dental care, it's important to remember that dentist directory features are for educational purposes and should not be the sole basis for choosing a dentist. Selecting a dentist should involve evaluating all relevant factors, including personal preferences and the specific services required.
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Cigna Dental Choice Plan
Cigna offers a range of dental insurance plans, including the Cigna Dental Choice Plan, which is available in Texas. This plan is a PPO (Preferred Provider Organization) plan, which means it offers a wide network of dentists for customers to choose from.
The Cigna Dental Choice Plan is a full-coverage dental insurance plan, which includes preventive care, such as regular dental exams and cleanings, as well as more complex and costly care like root canals, crowns, and dentures. It also includes coverage for vision and hearing, with options to bundle these benefits for a more cost-effective solution.
The cost of the plan varies, with monthly premiums starting at around $20 for lower-deductible plans and $24 for higher-benefit plans. The monthly premium for dental, vision, and hearing coverage starts at $32. The annual maximum, or the maximum amount the plan will pay toward dental care in a year, varies depending on the specific plan chosen.
Cigna also offers other dental insurance plans, such as the Cigna Dental 1000 and 1500 plans, which are available in New Mexico. These plans may have different features and benefits compared to the Cigna Dental Choice Plan, and it is important for individuals to review the specific details of each plan before making a decision.
Overall, the Cigna Dental Choice Plan provides customers with a comprehensive dental insurance solution, offering a wide range of coverage for various dental procedures and the flexibility to choose their preferred dentist from a large network.
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Cigna Group health insurance
Cigna offers group health insurance plans for employers to help their employees find the right level of quality care at the right time. These plans are designed to address the challenges of today's healthcare system by improving access, affordability, and convenience. Cigna works with both traditional and non-traditional care models, aiming to lower total healthcare costs and improve health outcomes for employees.
The group health insurance policies are provided by operating subsidiaries of The Cigna Group, including:
- Cigna Health and Life Insurance Company (Bloomfield, CT) (CHLIC)
- Connecticut General Life Insurance Company (CGLIC)
- Loyal American Life Insurance Company (Cleveland, OH)
- Evernorth Care Solutions, Inc.
- Evernorth Behavioral Health, Inc.
- Express Scripts, Inc.
- HMO or service company subsidiaries of Cigna Health Corporation, including:
- Cigna HealthCare of Arizona, Inc.
- Cigna HealthCare of Georgia, Inc.
- Cigna HealthCare of Illinois, Inc.
- Cigna HealthCare of North Carolina, Inc.
- Cigna HealthCare of South Carolina, Inc.
- Cigna HealthCare of Texas, Inc.
In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).
Cigna's group health insurance plans offer medical and dental coverage, with the option of adding on international health insurance and Medicare. These plans are tailored to meet the specific needs of employers and their employees, with cost containment programs and value-based care models designed to lower healthcare costs.
For detailed information on availability, costs, and coverage, employers can contact a Cigna Healthcare sales representative or licensed agent.
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Cigna Health and Life Insurance Company
Cigna's dental plans are popular due to their lower deductibles, higher benefits, and additional coverage options for vision and hearing. Their policies can help cover unexpected out-of-pocket medical expenses, such as copays and deductibles. Cigna also offers employer-sponsored health plans with comprehensive, cost-efficient healthcare options and a wide range of benefits, including access to a large national network of providers, mental health and wellness programs, spending accounts, and pharmacy coverage.
In addition to health insurance, Cigna Health and Life Insurance Company provides life insurance products. Life insurance policies can help provide financial protection and peace of mind for loved ones in the event of an unexpected death. These policies typically pay out a death benefit to the designated beneficiaries, ensuring financial security and helping them cover expenses such as funeral costs, mortgage payments, or education fees.
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Cigna Dental Health, Inc
Cigna offers a range of dental insurance plans for individuals and families. These plans are insured by Cigna Health and Life Insurance Company (CHLIC) and its subsidiaries, including Cigna Dental Health, Inc. and its various state-specific entities. For example, in Texas, the insured dental product offered is referred to as the Cigna Dental Choice Plan, while in New Mexico, the available plans are Cigna Dental 1000 and Cigna Dental 1500.
Cigna's dental insurance plans provide coverage for routine, preventive, and diagnostic dental care. They emphasize the importance of regular dental exams in preventing and identifying serious dental problems, which can help minimize treatment costs. Cigna also offers tools like the Brighter Score® feature on myCigna® to help customers find a dentist within their network, compare dentists, and access reviews.
The Cigna Dental Care (DHMO) Insurance Plan requires customers to choose a specific dentist for their routine, preventive, and diagnostic care. This plan has waiting periods for basic and major services, which can vary by state. It's important to note that orthodontic services are generally not covered under this plan, and customers under the age of 13 cannot register for myCigna.com.
Cigna also offers group health insurance and health benefit plans, which include dental HMO options. These plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates, and are distributed through subsidiaries of The Cigna Group Corporation.
While Cigna provides informative articles and resources on dental health, they emphasize that the content on their website is not medical advice and should not replace the medical care provided by a physician.
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Frequently asked questions
Cigna CMS-1500 is a dental insurance plan offered by Cigna Healthcare.
The Cigna CMS-1500 plan covers dental services, including Class 2 and 3 procedures.
Yes, there are waiting periods for Class 2 and 3 procedures, but these may be waived if there was prior dental coverage of 12 months or more, including coverage for Class 3 services.
Eligibility may vary based on location and plan type. It is recommended to check with Cigna Healthcare directly to confirm your eligibility for the Cigna CMS-1500 plan.
The Cigna CMS-1500 plan is provided by Cigna Healthcare, which is a part of The Cigna Group Corporation and its operating subsidiaries, including Cigna Health and Life Insurance Company.
