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Cigna Dental Care® (DHMO) Insurance Plan
Covers most preventive and diagnostic services at a competitive rate, or at no extra cost. 5
Being offered a Cigna Healthcare DHMO insurance plan through work?
The Cigna Dental Care (DHMO¹) plan includes coverage for many procedures that may not be available on other dental plans. There are no deductibles to pay before coverage begins, no annual dollar maximums on covered services, no claim forms, and no waiting periods.
Cigna Healthcare DHMO insurance plan features3
- You choose a network general dentist (NGD) who will provide all of your routine care and refer you to specialists when necessary
- Referrals are not required for network orthodontists and network pediatric dentists for children ages 13 and under
- Each of your enrolled dependents can choose their own NGD2
- Certain dental preventive care services are covered at little-to-no-extra cost when you use your primary network dentist5
- If your dental plan includes coverage for orthodontic services, you can see a network orthodontist without a referral6
- Out-of-network services are not covered, unless for emergencies and where required by law as shown in your plan documents2
Easily search for DHMO network providers in the directory on Cigna.com.
Cigna Dental Care (DHMO)
Watch this short video to learn more about the DHMO plan and how it works. (Length: 01:40)
Next steps for shoppers
You'll most likely enroll in your plan using your employer's enrollment tool/website. If not, check with your HR department.
Need help understanding how insurance plans work? To learn more, visit the Knowledge Center
Buying a plan on your own?
1The term “DHMO” is used to refer to product designs that can vary depending on your state, including but not limited to, prepaid plans, managed care plans and plans with open access features. The Cigna Dental Care plan is not available in all states.
2A benefit is paid for covered out-of-network emergency dental care. Certain states mandate coverage for dental care received out-of-network. For example, in Minnesota, the plan will pay 50% of the value of your network benefit for covered out-of-network services. In Oklahoma, the plan will pay the same amount it pays network dentists for covered out-of-network services. You are responsible for any charges not covered by the plan. Other states may have similar mandates. Refer to your plan documents for cost and coverage details.
3Please refer to your plan documents or contact your employer for more information on what out-of- pocket costs you may be responsible for and what’s covered and not covered by your employer’s specific plan.
4 Network360 data as of September 2021: Cigna Dental Care Access Plus network as compared to competitor national DHMO networks. Network360 makes no warranty regarding the performance of the data and the results that will be obtained by using.
5 Not all preventive care services are covered. For example, prescription medications are generally not covered. Most plans limit cleanings and bitewing x-rays to two (2) per calendar year, and full mouth/panorex x-rays to one (1) every three calendar years. Plans may vary so see your Dental Fee Overview for a summary of covered preventive care services.
6Refer to your plan materials to see if your plan includes orthodontic coverage. The following orthodontic services are generally not covered: incremental costs associated with optional/elective materials; orthognathic surgery appliances to guide minor tooth movement or correct harmful habits; and any services which are not typically included in orthodontic treatment.
7Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
Product availability may vary by location and plan type and is subject to change. All group dental insurance policies and dental benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company (CHLIC), Connecticut General Life Insurance Company, Cigna HealthCare of Connecticut, Inc., and Cigna Dental Health, Inc. and its subsidiaries, including Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. CHLIC policy forms: OK – HP-POL99/HP-POL-388, POL115; OR - HP-POL68/HP-POL352, HP-POL121 04-10; TN – HP-POL69/HC-CER2V1/HP-POL389, et al., HP-POL134/HC-CER17V1 et al.
Cigna Dental Care (DHMO)
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The Cigna Group Information
Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North Carolina, Inc. and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of The Cigna Group.