How does cigna deductible work

Full coverage dental insurance may cost you more in monthly premiums, but it will also help control your out-of-pocket expenses for costly dental procedures. How do you apply for dental insurance? There are a couple of ways you can get dental insurance: Your employer may offer you dental coverage as part of your employment benefits. If so, you can apply for that during annual open enrollment. There may be different types of dental plans you can choose from that can help cover the type of dental care you expect to need.

You can do this either through a state health exchange or directly from a health insurance company like Cigna. What does dental insurance cover? This often includes a dental exam and cleaning every six months, as well as certain types of mouth X-rays. There may also be coverage for sealants, fluoride, and more for children. Restorative care: This includes everything from fillings for cavities and tooth extractions, to root canals, crowns, bridges, dentures, and more.

Treatments like these range from basic to major. The more complex and specialized your dental care, the more costly it may be.

If you expect to need dental care that goes beyond your preventive dental exams, you may want to explore dental plans that offer you more coverage for restorative services like these. Orthodontic care: This area of dental specialization is focused on correcting teeth and bite alignment.

If you or a family member expect to need this type of dental care, look for dental insurance that includes coverage for orthodontic services. What is not covered by dental insurance? Here are some kinds of dental treatments that may not be covered: Anything cosmetic, such as teeth whitening and veneers.

Orthodontic appliances such as braces, removable teeth aligners, or retainers may not be included in all types of dental plans. Dental deductible, copay, and coinsurance explained Here are the basic costs associated with most dental plans. You will pay your dentist for any non-preventive dental care until you meet this plan deductible. Dental copays are fees you may have to pay when you visit a dentist.

Usually you pay the copay at the time of the visit. It may count toward meeting your deductible. Coinsurance is the term used to describe how you and your dental plan share costs, once you meet your deductible. In your dental plan details, coinsurance is often shown as a percentage of what you will pay vs. What are the benefits of having dental insurance? The benefits of dental insurance can include: Lower out-of-pocket costs for non-preventive dental care.

Without dental insurance you end up paying the full cost for dental treatments and procedures. Your insurance company negotiates with the dentists in its network to offer you lower costs.

This is how a dental plan helps protect you from the high cost of dental care. These plans include a dental exam, cleaning, and some X-rays every six months. For children it may also include fluoride and other pediatric preventive dental care.

Good dental health impacts other health, too. Good dental health can help you identify health problems before they become major. This information is for educational purposes only. It is not medical advice. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations. Any third party content is the responsibility of such third party. Cigna does not endorse or guarantee the accuracy of any third party content and is not responsible for such content.

Your access to and use of this content is at your sole risk. All insurance policies and group benefit plans contain exclusions and limitations.

For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico. Selecting these links will take you away from Cigna. Cigna may not control the content or links of non-Cigna websites. For the best experience on Cigna. Overview Medicare Coverage Options. Broker Resources. Individuals and Families. Understanding Insurance. How Health Insurance Works. Video: Your Individual Deductible This short video explains how an individual health insurance plan works and what it may cover.

How does health insurance work? This is typically how a health plan works, but they can vary: You pay a premium —usually monthly. This is a fee for having the health plan. Most health plans have a deductible. A deductible is how much you must pay out of your pocket for care until your health plan kicks in to share a percentage of the costs. Once you meet your deductible and your plan kicks in, you start sharing costs with your plan.

This includes things like your annual check-up, a flu shot, vaccinations for kids, certain wellness screenings, and more. Some plans may require a copay—a small fee you pay at the time of the doctor visit.

You save money when you stay in-network. You can usually find a list of network providers on your health insurance website, or by calling and asking them for a list of in-network providers. This is a key part of how health insurance works to help keep your costs low. Your health insurance may also come with extra no-cost programs and services. This may include health and wellness discounts for services and products, incentive programs where you can earn cash awards and other prizes for completing healthy activities, and more.

Learn more about deductibles, copays, and coinsurance How do you get health insurance? Please update your browser, or use an alternative browser such as Google Chrome , Microsoft Edge , or Mozilla Firefox for the best Cigna. An out-of-pocket maximum is a cap, or limit, on the amount of money you have to pay for covered health care services in a plan year. Some health insurance plans call this an out-of-pocket limit.

A plan year is the 12 months between the date your coverage is effective and the date your coverage ends. If you have dependents on your plan, you could have individual out-of-pocket maximums and a family out-of-pocket maximum. This depends on the terms of the plan. Costs you pay for covered health care services count toward your out-of-pocket maximum.

This may include costs that go toward your plan deductible and your coinsurance. It may also include any copays you owe when you visit doctors. As the health insurance industry changes, there could be non-ACA plans that do not meet the same standards.

Health plans that cover more than one person on a plan often have individual out-of-pocket maximums, as well as a family out-of-pocket max. If you buy a plan on your own and not through an employer, there are set limits for these out-of-pocket maximums. This is part of the Affordable Care Act. How you use your health plan and what you need coverage for both matter when it comes to meeting your out-of-pocket maximum:.

When choosing a health plan, make sure you consider all these factors, as well as your expected health needs. This information is for educational purposes only. It is not medical advice. Always consult your doctor for appropriate examinations, treatment, testing, and care recommendations. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative.

This website is not intended for residents of New Mexico.