Please note that HCDE's MetLife dental plans will end on Sept. 1, 2025. Visit the MetLife Dental page for more info.

Beginning Sept. 1, 2025, Cigna will be the dental insurance provider for HCDE.

Taking care of your oral health is not a luxury, it is a necessity to long-term optimal health. Dental insurance can greatly reduce your costs when it comes to preventative, restorative, and emergency procedures. These plans are designed to help you keep your teeth in the best shape possible and help cover the costs. There are three plans to choose from a DHMO plan and two PPO plans by Cigna!

A range of procedures may be covered, such as comprehensive exams, cleanings, x-rays, fillings, tooth extractions, general anesthesia, crowns, or root canals.

The Cigna DHMO Plan is designed to provide structured dental care with predictable costs. It operates differently from a PPO plan by focusing on a network of dentists and fixed patient charges.

Key Features

Network-Based Care: All covered dental services must be performed by your Network Dentist, unless otherwise authorized as described in your plan documents. You'll need to select a primary Network Dentist to manage your care. It's recommended to check with your Network Dentist in advance, as not all dentists perform all listed services.

Patient Charge Schedule: Instead of coinsurance, you pay a fixed "Patient Charge" (copay) for covered procedures. Procedures not listed on the Patient Charge Schedule are not covered and are your responsibility at the dentist's usual fees.

Freedom of Choice

No time to notify Cigna of your choice or change in provider? As long as you see a network general dentist actively participating in your dental network, you're covered.** If you can’t contact Cigna first, they will make the change as of the date of service received and mail you confirmation of the change. 

See any network general dentist within the network when and where needed.

• A new office has an immediate opening
• Squeezing the kids in during school break
• Moved to a new city
• Need an appointment before a vacation
• Dependent away from home

Change or select your network general dentist anytime on myCigna or by calling the number on the back of your ID card.

View DHMO Plan Info & Patient Charge Schedule

* If you haven’t created a myCigna account, go to myCigna.com and click “Register.” Follow the instructions to complete the short form and click “Submit.”  Customers under 13 years old will not be able to register and/or have their parent/guardian register on their behalf at myCigna.com.

** The treating provider must be an active participant in your Cigna Dental Care network at the time of service. Members are responsible for confirming provider participation on the date of service when making changes outside of Cigna Dental Care’s traditional provider selection method (calling customer service or logging on to myCigna.com).

Find an in-network provider at mycigna.com.

As our plan has always been set up, the annual deductible and maximum run calendar year; NOT plan year.

What Both PPO Plans Cover

Both plans offer the same benefits and deductibles for in-network care and also feature the WellnessPlus^SM Progressive Maximum Benefit, which can increase your annual maximum over time if you receive preventive care.

Policy year benefits maximum (does not apply to orthodontics):

• • Year 1: $1,250
  • Year 2: $1,450
  • Year 3: $1,650
  • Year 4 & Beyond: $1,850

Highlights

• • Annual Deductible: $50 individuals / $150 families. (The deductible does not apply to preventive services)
  • Preventive Services (e.g. routine exams, bitewing x-rays, full mouth x-rays) are covered 100%
  • Basic Restorative Services (e.g. simple extractions, fillings, root canals, periodontics) are covered 75% (after deductible)
  • Major Restorative Services (e.g. crowns, dentures, bridges) are covered 50% (after deductible)
  • Orthodontics are covered at 50% (no deductible) with a lifetime maximum of $1,000 (Dependent Child coverage to age 19 only)
  • Implants are covered at 50% (after deductible)

Key Differences Between PPO Plans

When choosing your dental coverage, it's important to understand the differences between the Cigna Dental PPO Low and High Plans. 

• Monthly premiums: 
  The Low Plan has lower monthly rates compared to the High Plan (see chart below).
  
  
• Out-of-network reimbursement:
  This is a significant difference if you plan to see dentists outside of Cigna's network.
  
  
  • Low Plan: For out-of-network services, Cigna reimburses based on the "Maximum Allowable Charge" for in-network dentists. This means your out-of-pocket costs for out-of-network care may be higher as the dentist can "balance bill" you for the difference up to their usual fees.
  • High Plan: For out-of-network services, Cigna reimburses based on the "Maximum Reimbursable Charge," which is calculated at the 90th percentile of typical provider fees in your area. This generally means a higher reimbursement from Cigna.

Download Cigna Dental PPO Benefit Summaries for more information:

View PPO Low Summary

View PPO High Summary