People with dental insurance commonly have what’s described as “100-80-50” coverage, meaning it pays 100 percent of the cost of routine preventive and diagnostic care, such as checkups and cleanings; covers 80 percent for fillings, root canals and other basic procedures; and 50 percent for crowns, bridges and major procedures, Ireland says.
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*Waiting periods may apply to restorative and orthodontia services. See plan details. You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna reimburses for billed services.
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Premiums for these plans will cost more but often may include a higher yearly payout rate, such as $1500 rather than $1200. The plans may also allow more cleanings per year, such as one every four months rather than one per six months.
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Affording the dentist is a big problem for many families. Dental insurance may be a great option to ensure that you and your family always have access to the dental treatment you need.
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