Cigna Dental Insurance
The number one reason patients avoid visiting the dentist is financing. Many patients associate dental care with unexpected costs. Unfortunately, dentists aren’t always great when it comes to communicating clearly about dental insurance coverage, out of pocket costs, coverage maximums, and other complications associated with the cost of dentistry services. At Smile Fitness Dental Centers, we take the time to carefully review all of your treatment costs, dental insurance coverage, and provide accurate out of pocket estimates. Our knowledgeable dentistry team members work with dental insurance providers regularly, and we’ll always be happy to apply for benefit preauthorization to ensure you know exactly what to expect. We know that working with dental insurance plans can be difficult and frustrating for our patients, so please don’t hesitate to reach out to our team with questions. We’re happy to process and file dental insurance claims for most major PPO benefit plans, and we are in-network providers for a number of insurers, including Cigna Dental. If you have questions about your Cigna Dental plan, call our Phoenix dentist and team today. We’ll do our best to answer your questions over the phone or schedule a consultation to review your policy.
How Your Cigna Dental Insurance Plan Works
Every Cigna Dental plan is a unique agreement between a patient, their employer, and Cigna. However, we work with Cigna Dental plans on a daily basis, and our team is happy to help you better understand your coverage. First, we’ll review your unique policy, so we can provide accurate out of pocket cost estimates for any necessary services. Like most dental insurance, Cigna Dental plans provide a percentage of the cost of specified treatments to help offset the price of necessary dental care. In addition to covering specific treatments, insurers also outline what they consider to be the average price for each treatment, and the coverage percentage is for treatment costs up to this preset price. Finally, your plan will also have an annual maximum. This is the highest dollar amount your plan will cover in any given year.
Maximize Coverage with Preventive Care
Dental insurance may still seem a pretty complicated. However, there is one simple way to maximize your dental insurance coverage – visit our office for preventive dental appointments. In most cases, preventive dentistry services receive 80 to 100% coverage from Cigna Dental. These biannual appointments are the best way to keep a healthy smile and avoid the need for more advance dentistry procedures that receive less insurance coverage.
Benefits of In-Network Dental Care
In-network dental coverage essentially means that our office has agreed to your Cigna Dental insurance plan’s “fair and average” pricing for dentistry services. Because we charge these agreed upon fees, you will only ever be responsible for the out of pocket portion of the cost of dental care. Patients who visit out of network providers may need to pay the difference in cost between the insurer’s fair pricing and your dentist’s fees in addition to the out of pocket portion of treatment costs. This difference in price is typically minimal but visiting an in-network dentist means you don’t have to worry about any additional costs.