Saturday, April 13, 2024

Cigna Dental And Vision Insurance

Dental Vision & Hearing For Those On Medicare

Cigna’s New Dental, Vision & Hearing Plan

You probably know that most Medicare supplement insurance plans do not cover dental, vision and hearing insurance. Some Medicare Advantage plans offer these benefits, but not traditional supplements. Cigna insurance policies are available on a stand-alone basis to those who are on Medicare and dont have ancillary benefits elsewhere.

If youve recently retired and lost a coverage through a group employer plan, then you can avoid any waiting periods. This is a great feature and its somewhat unique to Cigna. Most other insurance companies will make you satisfy their waiting periods even if you have no gap in coverage.

Who Should Consider Cignas Dental Insurance

Seniors Who Need Preventative Care

Cigna plans have no deductibles or co-pays for preventative care. Procedures such as checkups, X-rays and tooth cleanings are all covered. For individuals who see their dentist twice a year for preventative care, these Cigna plan savings can pay for themselves.

Seniors Who Need Vision and Hearing Care

Cigna allows individuals to bundle dental care with vision and hearing to purchase a single plan for all three needs. This option is convenient for those anticipating vision and hearing coverage who want reliable dental insurance.

People Who Need Restorative Care

With plans that offer up to $2,500 of coverage for tooth restoration, Cignas dental plans are great if you anticipate the need for a root canal, tooth extraction, dentures, crowns or veneers. They also offer limited coverage for dental implants.

Descubre Cmo Las Soluciones Innovadoras De Cigna Pueden Mejorar La Salud Integral De Las Personas

Comunícate con tu agente o con un representante de Cigna para analizar las necesidades específicas de tu organización.

Ver los nombres de la compañía Cigna

1 Basado en los reportes de LIMRA sobre recuento de membresías individuales de compañías de seguro dental, reportes anuales al tercer trimestre del 2019.

2 Datos internos de Cigna Book of Business al mes de octubre del 2019.

3 Preventive Dental Treatment Associated with Lower Medical Utilization and Costs. Estudio nacional de clientes de Cigna con cobertura médica y dental, julio del 2019. Reducción del costo médico total en el primer año: 6% reducción del TMC en el segundo año: 2%.

4 Datos internos y reportes de Cigna, diciembre del 2019. Proyección de utilización de la red para el 2021 a partir de reclamos de las redes Advantage DPPO y DPPO.

5 Proyección de sedes únicas hacia fin del 2019. 31,950 sedes únicas en octubre del 2019. Datos de DHMO de NetMinder a septiembre del 2019 sobre Cigna Dental Care – Recuentos de sedes únicas de la red Access Plus. Los datos están sujetos a cambio. The Ignition Group no garantiza el desempeño de los datos ni los resultados que se obtengan al utilizarlos.

6 Estudio de la Organización Mundial de la Salud Blindness and Visual Impairment , octubre del 2019.

Read Also: Does Gopro Have Night Vision

National General Dental And Vision Insurance For Seniors

There are three different National General dental and vision policy options so that you can find the right ancillary coverage for your healthcare needs. Any policy will cover preventive, basic, and major services from day one. The annual maximum and select benefits will increase in year two.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

The National General dental, vision, and hearing PPO plan has three benefit levels for dental benefits. All three levels pay for dental procedures, including routine exams and cleanings. The Level 2 and Level 3 plans cover major services at 25% in the first year and 50% in the second year.

The Level 2 and Level 3 plans also cover dentures at 25% in the first year and 50% in the second year. Implants are only covered on the Level 3 plan with 25% coverage in the first year and 50% coverage in the second year.

Level 1 has an annual maximum of $750 the first year and $1,500 the second year. Meanwhile, Level 2 has a maximum of $1,000 in the first year and $2,000 in the second year. Finally, Level 3 has an annual maximum of $1,500 in the first year and $3,000 in the second year.

Further, National General offers two plans for vision coverage, the L1 Plan and the L2 Plan.

The L1 Plan has a $15 copay for annual exams, $130 maximum per 24-month period, and a $25 copay for lenses. The maximum benefit for progressive lenses is $55.

What About Vision And Hearing Insurance

Cigna Agents

Fortunately, Cigna has you covered there as well. Several plans also include vision coverage and hearing benefits as well. You can mix and match benefits to find the best plan for your needs.

The coverage level selected will determine your costs for eye exams and allowance for lenses, contacts and frames. Plans offer up to $400 per year combined for all.

When hearing benefits are added, you can expect a small copay for an exam and $500-$1,000 per year for hearing aids.

Read Also: Clear Vision Scope Pro Review

How Much Does Cignas Dental Insurance Cost

While individual rates may vary, seniors can get coverage for as little as $19 per month. Seniors looking to include coverage for orthodontic care, restorative dentistry and other non-preventative procedures could pay up to $39 per month. All three plans have no deductible for preventative care such as routine exams, cleanings and diagnostics.

If youre also looking for vision care, you can bundle both types of insurance for between $35 and $62 per month, depending on the coverage you need and your desired deductible.

Is Dental And Vision Insurance For Seniors Necessary

Dental and vision insurance for seniors is crucial to promote proper dental and vision health through retirement. Once you reach age 65, you are ten times more likely to be diagnosed with cancer, including oral cancers.

Additionally, the risk for other oral diseases increases. These include:

Routine dental care can nip these health complications in the bud. Although you can receive dental care without coverage, it can become costly. For example, a basic cleaning can cost upwards of $300, depending on your location. Beyond the basic cleaning, dental procedures can cost tens of thousands of dollars without proper coverage.

In addition to dental, vision coverage is also essential in keeping seniors on Medicare healthy. Approximately one in three seniors on Medicare develop a vision-reducing eye disease. These can include:

Most of these diseases are treatable if found early. Vision coverage can help you access treatment as soon as an issue is detected. Luckily, dental and vision plans for seniors are available to cover both necessary benefits.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

You May Like: Cell Phones For Seniors With Vision Problems

Planes De Seguro De Visin Grupales De Cigna

Los seguros de visión de Cigna agregan valor a tu paquete general de beneficios de Cigna con:

  • Una amplia gama de planes de beneficios con opciones de financiamiento
  • Cobertura dentro y fuera de la red a través de una red especializada de cuidado de la visión de rutina
  • Acceso a profesionales de cuidado de la visión de calidad
  • Administración fácil, con un único estado de cuenta mensual, archivo de elegibilidad, acceso en línea y administrador de cuenta para todos tus productos de cuidado de la salud de Cigna

Planes de visión grupales de Cigna

Learn How Cigna Can Help Improve Whole

New Product Launch – Cigna Dental/Vision/Hearing | Near & Far | Episode 79

Contact your broker or connect with a Cigna representative to discuss your organizations unique needs.

View Cigna Company Names

1 Based on LIMRA reporting for national dental carrier individual membership counts, year-over-year reporting as of Q3 2019.

2 Cigna Book of Business internal data as of October 2019.

3 Preventive Dental Treatment Associated with Lower Medical Utilization and Costs. National study of Cigna customers with dental and medical coverage, July 2019. First year TMC savings: 6%, additional 2% second year TMC savings.

4 Cigna Internal Data and Reporting, December 2019. Network utilization projected for claims across the DPPO and DPPO Advantage networks for 2021.

5 Projected unique locations for year-end 2019. 31,950 unique locations as of October 2019. NetMinder DHMO data as of September 2019, reflecting Cigna Dental Care – Access Plus Network counts of unique locations. Data is subject to change. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using.

6 World Health Organization Blindness and Visual Impairment study, October, 2019.

Read Also: Guardian Dental And Vision Insurance

How To Find A Cigna Vision Provider

Cigna offers a search tool for in-network vision providers on their website. You can use this tool to find out which providers will accept your Cigna vision insurance in your local area.

Cignas Flexible Choice Dental, Vision and Hearing Plan operates through a different network of providers. You can find a provider that honors this plan using a separate search tool also hosted on Cignas website.

If you have coverage under a Cigna vision indemnity plan, you may visit any eye care provider you choose. Your coverage may be subject to different restrictions if you choose to do this. Consult your plan before scheduling an appointment with an out-of-network vision care provider to ensure that you can accurately budget for the expenses you will incur.

Seeking For A Richmond Hill Dentist

We speak: English, Farsi, Cantonese, Mandarin

You have landed in the right place, we will give your teeth extra care and attention. The dental practice by us stands for patient-friendly dentistry, pocket-friendly and carried forward with modern treatment methods. Our patient-friendly Service includes affordable dentistry and painless forms of therapy, including innovative laser therapies. In our modern practice, you can expect a wide range of dental services not just to offer you healthy teeth, but aesthetic teeth for a perfect smile. Our offer is geared to the requirements of all age and patient groups. Our dental practice provides you with modern children’s dentistry and orthodontic treatments for adults.

In our dental clinic, we are particularly interested in providing all patients with the best dental care. Because we think every patient has the right to high-quality medical care and the right consultation. For this reason, we offer all patients of our dental office in Richmond Hill Quality and Affordable Services. In the dental office, you will find a friendly team of dental practitioners, dental specialists, and prophylaxis experts. Your health and satisfaction are of particular concern to us. We take time for you and are always open to your questions and concerns.

Make your first consultation or treatment appointment today in our dental office. We look forward to hearing from you.

You May Like: Multiple View Geometry In Computer Vision

Does Original Medicare Include Dental And Vision Coverage

Dental and vision benefits are crucial as we age. Unfortunately, Original Medicare does not offer coverage for dental, vision, or hearing services. That is why enrolling in a stand-alone dental, vision, and hearing policy is important to supplement your Medicare benefits.

When you enroll in Original Medicare, adding dental and vision to your rolodex of coverage makes sense. Obtaining dental, vision, and hearing coverage can prevent several major health concerns and help you keep up with routine health maintenance.

Our Solutions Help Create A Total

WinCorp Marketing

At Cigna, our whole-person health approach helps address the many dimensions of your employees health and well-being, helping them to bring their best to work every day.

Providing a full benefits offering can help lead to better health outcomes and savings. After all, when your employees are healthier, they are likely to be more productive which helps lead to a better bottom line.

Recommended Reading: Personal Vision And Mission Statement

Cigna Group Dental Insurance Plans

We are in the dental insurance industry and the fastest-growing national dental carrier1, serving over 17 million customers2 and 1 in 5 clients in Fortune 500, as well as thousands of smaller companies.2

We help provide a stress-free, streamlined experience that can help our customers and clients achieve reliable and meaningful results.

Whether offered to your employees as a standalone plan or bundled with medical, we deliver forward-thinking, real-world solutions that bring together oral health expertise with personalized total health support.

Cigna Dental Coverage And Costs

Its imperative to pick the proper plan for your needs, and Cigna provides some of the best affordable dental insurance. While the company doesnt offer plans specific to older adults, the variety of options available to any policyholder makes it an insurance company seniors should take a look at.

The companys three plans are Preferred Provider Organizations, also known as PPO plans. A PPO allows policyholders to choose a dentist from a large network of providers and is a popular plan option many insurance companies offer, including Aetna and Kaiser.

Cigna has more than 90,000 dentists in over 286,000 locations in its national network, meaning there are most likely provider options for older adults living anywhere in the United States. That being said, it is important to note PPO plans tend to have slightly higher premiums, but you get what you pay for as they provide the most flexible service options.

Each plan offers different benefits when it comes to preventative care, basic restorative care, major restorative care, and orthodontia care. Before I started looking into insurance benefits, I didnt know which services fell into the different categories. Below is a breakdown of whats included in preventative, restorative, and orthodontia services.

You Should Know: Cigna offers Bright Score, a tool that allows you to compare dental providers and rates dentists on their patient experience and affordability.

Preventative Care

Also Check: Neurological Causes Of Loss Of Peripheral Vision

Cigna Dental Insurance For Seniors

Are you newly retired? If you dont have dental coverage as part of your Medicare or retirement benefits, youve probably asked yourself, Do I really need dental insurance?

The truth is, you need just as much preventative dental care now as you did when you were younger. In fact, maybe more so. Why? Because as you age, your mouth tends to become dry, your older restorations wear out, and your gums recede. All of these variables can significantly raise your risk for tooth decay and loss.

How do you find the right type of dental insurance for your needs, especially as a senior?

Focus on Preventative Care

Most dental problems are preventable. If youve always been one to see the dentist regularly, youre off on the right start. Pick a dental insurance plan that includes routine prophylactic services like:

  • Dental cleanings every six months
  • Diagnostic dental X-rays
  • Yearly exams and gum disease screenings
  • Oral cancer exams

How Often Seniors Need to See a Dentist

What if You Need Dental Work?

One of the biggest misconceptions by seniors is that if their teeth give them problems, they should just have them all extracted, and a pair of dentures made. While denturesare a viable solution for chronic dental health problems, they shouldnt be the go-to treatment for a few troublesome teeth.

What if I Need or Already Wear Dentures?

Affordable Alternatives to Traditional Insurance

What Does Dental And Vision Insurance For Seniors Cover

Affordable Dental Insurance Plans for Individuals

Dental and vision insurance for seniors often covers basic preventive care and significant services. Each plan and carrier offer different benefits. However, the most common benefits include:

  • Routine dental cleaning and deep-root cleaning

Not all plans cover hearing benefits. However, many available plans cover this additional perk.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

Recommended Reading: Lasik Vision Centers Of Cleveland

How Do Dental Vision And Hearing Plans For Seniors Work

Dental and vision plans for seniors provide benefits Original Medicare does not cover. These plans combine dental, vision, and often hearing benefits into one easy-to-use policy. Dental and vision plans have a maximum benefit that the plan pays out each year.

When you enroll, you can choose your maximum benefit amount. Typical options range from a $1,000 maximum benefit to a $5,000 maximum benefit. So, you can decide which amount best fits your needs.

Plus, if you need more benefits in the future, you can change your coverage level at any time. However, you may encounter a waiting period before you can use significant service benefits.

An advantage to enrolling in a dental and vision insurance plan is the approval guarantee regardless of your health.

However, it is vital to ensure your doctors will accept your plan. Fortunately, many policies are PPO-style, so any dentist or optometrist may accept them. Yet, to receive the planâs maximum benefit, you should see an in-network provider.

Do Dental And Vision Plans For Seniors Require Waiting Periods

All carriers are different regarding waiting periods for dental and vision plans. Commonly, carriers do not have waiting periods for preventive and basic services. However, you may need to satisfy a waiting period before receiving coverage for dentures, glasses, hearing aids, and other major services.

Find Medicare Plans in 3 Easy Steps

We can help find the right Medicare plans for you today

Waiting periods typically last between six and twelve months, depending on the service and the carrier.

Read Also: How Does An Astigmatism Affect Vision

Cigna Group Vision Insurance Plans

Cigna Vision helps add value to your overall Cigna benefits package with:

  • A wide range of benefit plans with options for funding
  • In- and out-of-network coverage through a national specialty routine vision network
  • Access to quality eye care professionals
  • Easy administration with a single monthly statement, eligibility file, on-line access, and account manager for all your Cigna health care products

Cigna Group Vision Plans

  • Over 80% of all visual impairment can be prevented or cured6
  • 81% of people living with blindness are aged 50 and above6
  • 12 million children are visually impaired due to refractive errors, a condition that could be easily diagnosed and corrected6
  • People with diabetes are 40% more likely to suffer from glaucoma than people without diabetes6

What Are People Saying About Cignas Dental Insurance

Vision &  Dental Insurance Plans St. Louis â Hometown Benefits Group

Customers like that Cigna negotiates rates with dentists in its network to lower costs after exceeding coverage limits. They also cite Cignas solid reputation and customer service. Many reviewers feel that the free preventative care is a great value, and the savings for routine office visits and discounts on restorative care justify the monthly premiums. The ability to bundle plans that include vision or hearing services is also popular.

The downside to Cignas Dental plans is that its difficult or confusing to get a quote, and you cant obtain a plan through a broker. Theres also a limited number of plans to choose from.

Read Also: What Is The Best Vision Plan For Federal Employees

Latest news
Related news