If you are looking for NC dental insurance there is a new player in town. Cigna North Carolina is now offering a comprensive dental plan that can be added on when you purchase one of their health plans. This is not a stand alone plan - meaning that you cannot buy their dental coverage by itselt...you have to have one of the medical plans as well. However this is a pretty good plan that will stand toe to toe with the others available, actually will out perform them in many others. Here are how the benefits stack up (in network):
- Calendar Year Deductible per Person $50
- Calendar Year Maximum per Person $1,000
-
Preventive/Diagnostic Services (no waiting period) Cigna Pays 100% (no deductible)
- Oral Exams
- Routine Cleanings
- Routine X-rays
- Fluoride Application
- Sealants
- Space Maintainers (non-orthodontic)
-
Basic Services (6 Month Waiting Period) Cigna pays 80%
- Fillings
- Non-Routine X-rays
- Emergency Services to Relieve Pain
- Oral Surgery, Simple Extractions
-
Major Services (12 Month waiting Period) Cigna pays 50%
- Crowns/Inlays/Onlays
- Root canal Therapy/Endondontics
- Minor Periodontics
- Major Periodontics
- Oral Surgery, All Except Simple Extractions
- Surgical Extraction of Impacted Teeth
- Relines, Rebases, and Adjustments
- Repairs - Bridges, Crowns, and Inlays
- Repairs - Dentures
- Anesthetics
- Dentures
- Bridges
There you have it. Comprehensive Coverage at an affordable price. Here are the rates for 2011 in Mecklenburg County (prices vary by area):
Age | Male |
Female |
2-24 | $22 | $28 |
25-29 | $24 | $29 |
30-34 | $24 | $27 |
45-39 | $25 | $27 |
40-44 | $27 | $30 |
45-49 | $30 | $32 |
50-54 | $33 | $34 |
55-59 | $35 | $36 |
60-64 | $38 | $38 |
Click this link for quotes on Cigna North Carolina health plans.