UCFW Trust

Offered by Cigna Health and Life Insurance Company.

Smile more. Stress less.

Convenience

Whole health focus

You have access to over 150,000 dentists on the Cigna Total DPPO network.* Using a Cigna network dentist is convenient and offers savings on dental care.

Network

The online tools available on your personalized myCigna account (available once your benefits are active) make it easy to compare and choose dentists, read patient reviews, and view costs based on your specific plan.

For enrollment information and instructions, click here. For issues or questions with the YES system, please contact the HRIS Help Desk at 1.602.542.4700 or email hrishelpdesk@azdoa.gov For questions about the Cigna Dental Care (DHMO) plan, contact Cigna at 1.800.968.7366.

We want you to feel comfortable knowing that Cigna is a leading health services company with one mission: to help the people we serve improve their health, well-being and security. We are honored to be providing dental benefits to you and your family.

As a Cigna Dental customer, you have access to programs and services that can help improve whole person health through dental care.

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Cigna Dental PPO

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*Network data for Cigna Total DPPO as of YE2020. Subject to change.

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Cigna Dental PPO

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Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents. All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company (CHLIC) or its affiliates. Policy forms: OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al. (CHLIC). 927583 04/21 ©2021 Cigna. Some content provided under license.

***This listing is not all-inclusive. For a listing of providers and facilities that participate in the LocalPlus network, contact your Cigna representative or visit Cigna.com.

** As of March 2021. Subject to change.

* Potential savings estimated, based on an internal Cigna study conducted in 2021 comparing Cigna’s LocalPlus plans with Cigna’s Open Access Plus (OAP) plans in Georgia with the same benefit plan provisions. Savings are not guaranteed and will vary depending on plan design, geographic distribution and utilization patterns. Medical cost savings do not directly translate to rate or premium rates.

The Cigna Dental PPO plan makes it easy to protect your health - and your smile - with the right dental care at the right price. And with coverage that allows you to see any dentist you want, the DPPO plan also offers maximum flexibility.

Although the DPPO plan will pay for covered services performed by dentists who do not participate in our network, you can save money by using a dentist who is in network. In-network dentists file claims on your behalf and apply your coinsurance to their fees which are discounted for Cigna customers.

How the plan works

The Cigna Dental PPO (DPPO) plan covers certain preventive care services at no additional cost when you use a dentist in the Cigna Total DPPO network*. The plan has an annual dollar maximum which is the most the plan will pay toward covered services during the plan year. For services other than preventive care, you'll pay a deductible and then a percentage of the amount Cigna reimburses the dentist. It you use an out-of-network dentist, you will be subject to balance billing. This happens when the amount Cigna reimburses the dentist is less than their usual fee. In this case, the dentist can bill you directly for the difference. See the example below for more information.

*All dental plans have exclusions and limitations. For a complete list of covered and non-covered services, refer to your plan documents or call 1-800-Cigna24.

Find a Total DPPO Network Dentist

It is important to understand how care is covered when you use a network dentist versus a non-network dentist.

Network dentists have agreed to provide dental services to Cigna customers at a reduced rate, saving you money on care. They will file claims for you and they cannot "balance bill" you for the difference between their usual fees and what they have agreed to accept from Cigna. Balance billing occurs when the fee the dentist usually charges is more than the amount Cigna pays them.

Out-of-Network dentists do not offer a reduced rate to Cigna customers and you may have to file your own claims. Out-of-network dentists can charge whatever fee they want for services, but Cigna uses a "maximum allowed amount" to determine the reimbursable fee. The "maximum allowable charge" (MAC) is based on a percentile of fees charged by dentists in an area for a specific service. Out-of-network dentists can balance bill you for the difference between their usual fees and the amount Cigna reimburses them.

Why use a Cigna Total DPPO network dentist?

Cigna Dental PPO (DPPO)

Bob and Mary both need a root canal. They have met their annual deductible.

Example for illustrative purposes only.

Bob Network Dentist

Fee for root canal

$850

Contracted Fee $650

$520

Yes

$140 + $150 = $290

$560

80%

$850

Percentage of reimbursable fees the plan covers

Reimbursable amount

Plan pays

Can dentist balance bill?

Mary Out-of-Network Dentist

Mary Pays

$130

20% coinsurance plus difference between usual fee and MAC.

Bob Pays

Learn how a DPPO plan works.

MAC Amount $700

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Cigna Dental PPO

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DPPO Brochure

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PREMIER DPPO Plan Summary

ULTRA DPPO Plan Summary

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