Cigna Now Offers NC Dental Insurance

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.

 

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