Petfolk offers two dental plans through Cigna: Cigna Dental and Cigna Dental Plus. Both let you see any licensed dentist. You’ll pay less when you use a dentist in Cigna’s network.
Choosing the right plan
Cigna Dental is free for team member only coverage. Preventive care is covered at 100%, there’s a $100 individual / $300 family deductible for other services, and the plan pays up to $1,000 a year. It works well if your dental needs are mostly cleanings and the occasional filling.
Cigna Dental Plus costs more per paycheck. In return there’s no deductible, the annual maximum jumps to $3,500, basic and major work are covered at higher percentages, and orthodontia is included for both kids and adults. If someone in your family needs braces, a crown or a root canal this year, this is the plan to look at.
What’s covered
- Preventive services: 100% on both plans, in or out of network
- Basic services: Dental pays 70% in network and 50% out of network after the deductible. Dental Plus pays 90% in network and 80% out of network.
- Major services: Dental pays 50% after the deductible. Dental Plus pays 65% in network and 50% out of network.
- Orthodontia: Dental Plus only. It pays 50% for children and adults, up to a $3,500 lifetime maximum in network ($2,000 out of network).
In network vs. out of network
Deductibles and annual maximums are shared between in-network and out-of-network care. When you see an out-of-network dentist, Cigna pays based on the plan’s allowed amount, and you may owe the difference. Staying in network avoids that extra bill.
