A complete understanding of your dental insurance plan is key to protecting your smile and your wallet.
MainVue Homes offers dental insurance through Cigna
The dental plan includes in- and out-of-network benefits, which means you can choose any dentist that you would like. However, you will pay less out of your pocket when you choose an in-network dentist. Locate a Cigna network dentist at www.MyCigna.com.
The table below summarizes the key in-network features of the dental plans. The coinsurance amounts listed reflect the amount you pay for services. Please refer to the official plan documents for additional information on coverage and exclusions.
| Cigna | In-Network |
|---|---|
| Deductable (Individual / Family) | $50 / $150 |
| Annual Benefit Maximum | $2,000 Class 1 services do not apply to annual maximum |
Class 1: Preventive & Diagnostic Services
|
Covered in full |
| Class 2: Basic Services | 20% coinsurance |
| Class 3: Major Services | 50% coinsurance |
| Orthodontia | 50% up to $1,500 Lifetime Max |
| Out of Network | When services are received by an out of network provider; in addition to the deductible and coinsurance amounts listed above you may also be subject to the difference between Cigna’s reimbursement and the providers billed charges, this is called balance billing. |