If you enroll in the Cigna Dental HMO plan, you select a Cigna DHMO network dentist for dental services and you must visit your selected dentist for all of your dental care.
Here’s how Cigna DHMO plan works. When you get a dental service, Cigna allows your network dentist to charge a certain amount. Then you pay a fixed portion of that cost, in addition to any allowable charge for upgraded materials (such as gold, high noble metal or porcelain used in molar restorations), complex rehabilitation or characterizations (for dentures). And your plan pays the rest. There are no annual maximums and no deductibles.
Once a year in October, employees may change from one plan to another or add dependents. During the year new dependents may be added within 31 days of marriage, birth, adoption or formation of domestic partnership, and children of domestic partners. After 31 days, the dependent cannot be added until the next open enrollment.