Does Cigna Cover Dental Implants?
- Some Cigna Medicare Advantage plans may cover dental implants, though the exact coverage and costs may vary from one plan to another. Learn more about Medicare dental coverage and the additional benefits some Cigna Medicare Advantage plans may offer.
Cigna Medicare Advantage (Medicare Part C) plans that include dental benefits may help cover routine dental services such as exams, teeth cleanings, X-rays or fluoride treatments. Some plans may also cover restorative care like fillings, extractions, root canals or periodontal care like the insertion of dental implants.
Learn more about Cigna Medicare Advantage dental coverage, including how and when some plans may cover dental implants.
When Do Cigna Medicare Plans Pay for Dental Implants?
Cigna Medicare Advantage plans are required to cover everything Original Medicare (Parts A and B) covers, and some Cigna Medicare plans may include dental coverage as an added benefit that Original Medicare doesn't cover.
Medicare Advantage plans are an alternative way to receive Original Medicare benefits, and Medicare Advantage plans can offer additional coverage for other things that Original Medicare doesn't cover such as vision, hearing or prescription drugs.
Not all Cigna Medicare Advantage plans that offer dental coverage may cover dental implants, so you should be sure to check with your plan carrier directly to make sure you know exactly what dental services are covered by your plan.
Some Cigna Medicare plans offer a Dental Allowance that beneficiaries can use to reimburse the costs for certain preventive and comprehensive dental services such as dental implants. Depending on the plan and whether an allowance is offered, your plan may or may not help pay for your dental implant. Be sure to contact Cigna Healthcare directly to confirm your plan coverage.
How Much Does Cigna Medicare Dental Care Cost?
Some Cigna Medicare Advantage plans members pay a monthly premium, though some Cigna Medicare Advantage plans may feature $0 monthly premiums.
Depending on the type of Cigna Medicare Advantage plan you have, your plan may feature an annual deductible for dental care. This represents the amount of money you must pay out of pocket for covered services and items before the plan’s coverage takes hold. Once you’ve satisfied your deductible, you may then be responsible for a copayment (flat fee) or coinsurance (percentage of the bill) for covered dental services.
As mentioned above, some plans may instead feature an annual allowance for certain dental services. There may be an annual limit as to how many dollars worth of covered care the dental plan will cover over the course of a year.
It’s important to keep in mind that the cost of a dental implant may be more than the annual benefit limit. There may also be a limit on the number or frequency of implants that will be covered by the plan. Depending on the cost of the implants and how much your plan will cover, you may have to pay some of the costs out of your own pocket.
When you need dental implants or any other dental care, you’ll want to be sure to visit a Cigna participating provider for the procedure. Having dental implants or nearly any other dental service performed by an out-of-network provider may result in less coverage or even no coverage at all. Depending on your plan, you may not have a network of preferred providers and may be able to visit any approved dentist.
Do Other Cigna Plans Cover Dental Care?
Cigna offers a number of insurance products in addition to Medicare Advantage plans, and some options may help cover dental implants.
Employer-based plans with dental coverage
Cigna is among the leading providers of employer-sponsored health insurance plans, and dental benefits are often an optional add-on to many of these health insurance plans.
Individual and family plans with dental coverage
Cigna also sells health insurance outside of the workplace, with plans available on the federal marketplace (sometimes referred to as Obamacare).
Standalone dental plans
Even if you don’t receive your health insurance through Cigna, you may still be able to enroll in a standalone Cigna dental insurance plan. These plans can include dental coverage similar to the dental coverage included in some Cigna employer or marketplace plans.
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