Page 9 - Bar Bakers EE Guide 09-18 English-Updateed

BENEFITS

DENTAL INSURANCE

Cigna | DHMO Dental Plan
With the Dental Health Maintenance Organization (DHMO) plan through Cigna, you are required to select a general dentist to
provide your dental care. You will contact your general dentist for all of your dental needs, such as routine check‐ups and
emergency situations. If specialty care is needed, your general dentist will provide the necessary referral. For covered procedures,
you'll pay the pre‐set copay or coinsurance fee described in your DHMO plan booklet. Please keep a copy of your booklet to refer
to when utilizing your dental care. This will show the applicable copays that apply to all of the dental services that are covered
under this plan.

Cigna | PPO Dental Plan
With the Cigna Preferred Provider Organization (PPO) dental plan, you may visit a PPO dentist and benefit from the negotiated rate
or visit a non‐network dentist. When you utilize a PPO dentist, your out-of-pocket expenses will be less. You may also obtain
services using a non-network dentist; however, you will be responsible for the difference between the covered amount and the
actual charges and you may be responsible for filing claims.

Cigna Cigna
Plan Name DHMO Plan PPO Plan

Network Name DHMO Dental Care Access Plus Total Non-Network
Dental Benefits You Pay You Pay
Calendar Year Maximum Unlimited $1,500 (Excludes Class 1 Services)
Deductible (Annual)
- Individual $0 $50
- Family $0 $150

Preventive Services 0% for Most Covered Services 0% 0%
Exams, X-Rays, Cleanings

Basic Services See Copay Schedule Deductible, 20% Deductible, 20%
Fillings, Oral Surgery, Endodontics, Periodontics
Major Services See Copay Schedule Deductible, 50% Deductible, 50%
Crowns, Prosthetics
Wellness Benefit Not Included Included
Orthodontia $1,500 Child / $2,000 Adult Not Covered

Finding a Dental Provider
Go to www.hcpdirectory.cigna.com or call (800) 244-6224.
• DHMO: Select the “Cigna Dental Care Access Plus” network when prompted.
• PPO: Select the “Total Cigna DPPO” network when prompted.

We recommend you ask your dentist for a predetermination if total charges are expected to exceed $300. Predetermination
enables you and your dentist to know in advance what the payment will be for any service that may be in question.

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