DENTAL
Your dental health is a good indicator of your overall health. Identifying issues early can simplify treatment, control costs and keep teeth and gums healthy. Southwest offers two dental plans through Cigna so that you and your family have the coverage that best matches your needs.
Resources
CIGNA Dental PPO
With the CIGNA Dental PPO you:
- Cigna DPPO Advantage Tier provides you deeper discounts and a higher plan maximum of $2,500. To find a provider in this enhanced tier look for the Cigna DPPO Advantage designation on www.mycigna.com
- Access the largest network of dentists who have contracted with Cigna for discounted rates
- Do not need to select a primary dentist
- Can visit any dentist or specialist – in or out-of-network
- You receive a higher level of coverage when you utilize in-network providers
- Learn how Cigna can reimburse you for certain out-of-pocket dental expenses if you are under treatment for conditions like heart disease, diabetes, maternity, stroke, chronic kidney disease, organ transplants or head and neck cancer radiation. Click here to learn more about the Cigna Dental Oral Health Integration Program!
| Cigna Dental PPO | CIGNA DPPO ADVANTAGE |
CIGNA DPPO | OUT-OF-NETWORK |
| YOU PAY | YOU PAY | YOU PAY | |
| Annual Deductible (Individual/Family) |
$50/$150 | $50/$150 | $50/$150 |
| Annual Maximum per individual | $2,500 | $1,500 | $1,500 |
| Diagnostic and Preventive including cleanings, fluoride treatments, sealants and X-rays | $0 with no deductible | $0 with no deductible | 0% of R&C charges, no deductible |
| Basic Services including fillings, periodontics, scaling and root planning, oral surgery | 20% after deductible | 20% after deductible | 20% of R&C charges after deductible |
| Major Services including crowns, bridges, full and partial dentures | 50% after deductible | 50% after deductible | 50% of R&C charges after deductible |
| Orthodontia (Coverage for employee and all dependents) |
50% $1,000 lifetime maximum |
50% $1,000 lifetime maximum |
50% $1,000 lifetime maximum |
| TMJ ($1,000 Lifetime Maximum) | 50% after deductible | 50% after deductible | 50% after deductible |
| Implants | 50% after deductible | 50% after deductible | 50% after deductible |
REIMBURSEMENT FOR SEVICES
Provided by an in-network dentist:
Provider reimbursement to the dentist will be according to a contracted fee schedule.
Provided by an out-of-network dentist:
Reimbursement will be according to the Reasonable & Customary allowance, but the dentist may bill you for the balance up to their usual fee.
Resources
CIGNA Dental Care DHMO
This dental coverage uses a designated network of providers and to participate in this plan, you must use one of the dentists included in the network. The dentist you select from the Cigna Dental Care network will manage and provide your general dental care.
Each covered participant in your family may choose their own “general” dentist. The “general” dentist will coordinate and manage your overall dental care.
- Requires each member select a “general” dentist that participates in the Cigna DHMO network
- Has no deductibles
- Does not include dollar maximums
- Does not have a waiting period
- Requires no claim forms
- Allows access to orthodontia without referrals
- Includes fixed fees clearly outlined on your Patient Charge Schedule (PCS) so you will know your costs in advance
- Does not put an age limit on sealants
- Includes fixed copayments so you will know your costs before
a procedure begins - Allows your enrolled dependents to choose their own dentist from the network
- No coverage outside of DHMO network
How to locate a Cigna Dental Provider
To get started please visit the Cigna website www.cigna.com/hcpdirectory
Follow these steps to search for a provider on Cigna’s website:
- If you are not registered you can simply go under: Not a Cigna Customer Yet? – then SELECT “Plans through your employer or school”
- Under FIND PROVIDERS – Select A Plan “PICK” – a window will open and you can choose Dental Plans – then either Cigna Dental Care HMO, OR, Cigna DPPO Plan – make your selection and Click “CHOOSE” at the bottom of page
- Then under SEARCH LOCATION – you can enter the zip code area you would like to search or select use current location – Then, in the SEARCH box you can start typing in “Dentist” to view all or a provider’s name to see if they are in the network
Please note you may contact Cigna’s customer service number also, at 1-800-244-6224
