Cigna administers all of our dental plan options.

When you enroll, all of your dental options will be shown in the benefits enrollment portal. Eligibility for the DHMO is determined using your home zip code. If there is a DHMO provider within 10 miles of your home, you will be eligible to enroll in this plan.

The High Plan costs more per paycheck but has a higher annual maximum for benefits and also covers orthodontia. And, if you cover more than two dependents under the dental plan, the High Plan’s deductible is lower. But both plans cover Preventive and Diagnostic services at 100% and provide the same benefit for Basic Restorative and Major services. Review the Annual Benefits Enrollment Guide for more details on the plans.

Yes. While the plan will pay the same percentage of the cost whether you go in-network or out-of-network, Cigna has negotiated rates lower with its network providers, so you pay less. In most cases, you will save money using Cigna’s in-network dentists.

The monthly contribution for the DHMO is somewhere between the Low and High Plans, but the main difference is that you must use dental providers in Cigna’s DHMO network to receive any plan benefits. The DHMO has no annual deductible, no annual maximum for services and the plan pays a fixed, negotiated rate for most services—and it also covers orthodontia, which is not available under the Low Plan.

To find a dentist in the Cigna dental network, go here.