Invest in a Healthy Smile with Cigna
A healthy smile needs more than just brushing and flossing every day. You should also see your dentist twice a year for a cleaning and checkup. Routine care keeps your teeth and gums healthy to reduce your long-term dental costs. In fact, every $1 you spend on prevention can save you $8 to $50 in restorative or emergency dentistry fees. Unfortunately, if you are like one-third of Americans, you don’t see your dentist regularly. Many people believe they can afford to go. There’s no need to worry about a large bill when using your Cigna dental insurance. You can get the comprehensive care you need for affordable rates with Dr. Kelly Blair.
Cigna Insurance Coverage Availability & Fees
Dental insurance differs from your medical benefits because it focuses more on prevention. It’s designed to give you the coverage you need to visit your dentist twice a year for a cleaning and checkup for little to no copayment after paying your monthly premiums. Even with the best preventive care, Cigna understands your teeth may still suffer damage over the years. They give you a yearly allowance to use toward restorative care after paying your annual deductible.
The amount your insurance pays for your dental services varies depending on your specific policy, but it often includes:
- 100% of preventive services.
- 70% to 80% of minor restorative services.
- 50% of major restorative services.
At the end of the calendar year, your insurance policy expires. You aren’t refunded for any unused coverage. You also aren’t reimbursed for the premiums and deductibles you’ve paid if you don’t reach your annual limit. With less than 3% of Americans meeting or exceeding their policy each year, we don’t want to see you waste your benefits.
Cigna encourages you to visit an in-network dentist to make the most of your coverage because they have pre-negotiated rates with the insurance carrier; however, you are free to visit any location that accepts your policy. Dr. Blair works with both in-network and out-of-network patients to reduce the amount you need to pay out-of-pocket.
We understand dental coverage can be confusing, which is why our insurance coordinator is here to help. Stephine works on your behalf with Cigna to file the necessary claims and paperwork, so you have one less thing to worry about. She helps you utilize your yearly benefits to their full potential to keep your treatments affordable.
Stephine takes the time to explain how your benefits are applied to the cost of services to reduce the amount you need to pay. She also discusses your payment options for anything not covered under your insurance. Besides traditional forms of payment, we also accept third-party financing with CareCredit. You are given the funds you need based on your credit’s approval. You then repay it using a payment plan that accommodates your budget.
Schedule an Appointment Today!
Don’t let the fear of a large bill keep you from visiting your dentist twice a year. We work with Cigna to keep your care affordable. Contact our office today to schedule an appointment.