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<\/figure>\n<\/div>\n\n\nHow Cigna Dental Coverage Is Structured<\/h2>\n\n\n\n
Most Cigna dental plans sort your care into three tiers. Knowing which category your treatment falls under tells you roughly how much the plan will pay.<\/p>\n\n\n\n
Preventive care<\/strong> is the good stuff \u2014 cleanings, routine exams, and X-rays. Cigna typically covers these at 100%, which means little to no cost for you. These visits are your best defense against bigger problems down the road, so use them.<\/p>\n\n\n\n Basic care<\/strong> covers things like fillings, simple extractions, and treatment for gum issues. Plans usually pay around 70% to 80% here, leaving you responsible for the rest.<\/p>\n\n\n\n Major care<\/strong> includes crowns, bridges, dentures, and root canals. This tier tends to get the least coverage \u2014 often about 50%. So a crown that costs several hundred dollars will still leave a meaningful chunk for you to pay.<\/p>\n\n\n\n Two numbers shape what you actually spend each year. Get familiar with both.<\/p>\n\n\n\n Your deductible<\/strong> is what you pay out of pocket before Cigna starts chipping in on basic and major work. Many plans set this around $50 per person, and preventive visits usually don\u2019t count against it.<\/p>\n\n\n\n Your annual maximum<\/strong> is the ceiling \u2014 the most Cigna will pay toward your care in a single year. A lot of plans cap out somewhere between $1,000 and $1,500. Once you hit that limit, you cover the rest yourself until the plan resets.<\/p>\n\n\n\n Here\u2019s a tip most people miss: that maximum doesn\u2019t roll over. If you\u2019ve got major work looming and you\u2019re near the end of your benefit year, timing your treatment across two years can stretch your coverage further. We\u2019re happy to help you map that out.<\/p>\n\n\n\nDeductibles and Annual Maximums<\/h2>\n\n\n\n