Cigna Dental Dentist – St. Louis, MO
Getting the Most Out of Your Benefits
Dental insurance is one of the best and most important benefits you can receive from an employer. Being able to have the peace of mind knowing you are not responsible for the entirety of a bill can bring much-needed relief to most individuals. Although Cigna dental insurance is designed to encourage people to pursue preventive care, it’s not always possible to avoid problems or issues should they arise. As a Cigna dental dentist in St. Louis, Dr. Stewart Moreland and his team want you to get the most out of your coverage and are ready to help the moment you walk through our doors.
Cigna Coverage Availability & Fees
Whether you receive your Cigna dental insurance through your employer, or you purchase it on your own, you can expect most coverage plans to include something like this:
- 100% preventive care (dental cleanings, exams, X-rays, fluoride treatment, sealants)
- 80% basic procedures (fillings, tooth extractions, emergency treatment)
- 50% major procedures (crowns, root canal therapy, wisdom tooth removal, periodontal)
Keep in mind, the numbers and percentages listed above are what is covered by in-network providers like your dentist in Frontenac. Because in-network providers work with dental insurance companies to negotiate and contract certain services with more affordable rates for patients, you can expect your coverage rates to be lower should you opt for an out-of-network provider.
With a dental PPO plan, you have an annual deductible and coinsurance. Once you meet your deductible, you will be able to take advantage of sharing costs with Cigna as part of the coinsurance. This occurs until you reach your annual maximum each year. It’s important to remember, should you need any dental care that extends beyond preventive, it may be that you are responsible for a copay during your visit, as well as share costs with your particular plan.
As always, Dr. Moreland and his team will work to help you get the most of your benefits, and that means, if you need treatment that goes beyond your annual maximum, we will stretch out your treatments across calendar years.
As a member of Dr. Stewart Moreland’s expert team, Lucy will be happy to assist in discussing and explaining your dental insurance coverage, as well as your benefits, annual maximums, and any stipulations that must be considered prior to any procedure. Lucy understands the last thing patients want to do is attempt to navigate the paperwork that comes with dental insurance, which is why she is ready to process and file any necessary claims on your behalf.