Your Cigna Dental Provider in Midtown East
Routine dentistry is a critical aspect of staying healthy and living a productive life, and having dental insurance can make it much easier to fit necessary dental treatments within your family’s budget. To maximize your investment, you will need to make sure you choose a dentist who is in-network with your plan. At Dr. Aaronson & Associates, we are pleased to work with patients’ insurance coverage, including being a Cigna dental provider in Midtown East. Keep reading to learn more about this plan, including how it works at our office and how we can help you make the most out of your coverage.
How Does Cigna Work?
Cigna works like other dental insurance plans in that you pay upfront for services that you can receive throughout the year. In exchange for a premium paid monthly, you and anyone else who is covered by your plan are eligible for coverage on a list of general, preventive, and restorative dentistry treatments.
Visiting an in-network dentist is not required to use your insurance, but it does make it much easier to maximize on your benefits. A dentist who is in-network with Cigna dental has come to a contractual agreement to provide services to all members at a predetermined discounted rate. You may still be eligible for the same savings going out of network, but you will be expected to pay out-of-pocket upfront and then wait for a reimbursement to come weeks or months later.
What Does Cigna Cover?
Certain details of your plan may depend on decisions that are made at the time of enrollment -- like your copay, annual maximum, and others. In general, though, you can expect your Cigna dental coverage to look like this:
- Preventive dentistry: Fully covered by dental insurance. This includes 6 month checkups and cleanings, X-rays, and possibly dental sealants and fluoride treatments for children.
- Restorative dentistry is covered between 50% and 80%, depending on the complexity of the treatment being rendered.
- Cosmetic dentistry services and elective treatments (like teeth whitening, porcelain veneers, etc.) are typically not covered by dental insurance.
Maximizing Your Insurance Benefits
The key to making the most out of your dental insurance in Midtown East is to take advantage of the six month checkups and cleanings which are covered under your plan. Not only are they free, but these visits are vitally important because they help you avoid the need for more expensive and time-consuming restorative treatments altogether.
In addition to taking advantage of preventive care, you should try to reach as close to your annual maximum during the years that you meet your deductible. We will perform a verification of benefits and help you make strategic decisions when the time comes.
Start Saving on Dental Care Today!
If you are covered by Cigna dental insurance, finding a dentist in Midtown East who accepts your plan is very important. And that’s us here at Dr. Aaronson & Associates! Go ahead and contact us to schedule an appointment today.