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 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


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.


A Few Tips to Find the Best Health Insurance in North Carolina

Everyone that is looking for health insurance in North Carolina should also be looking for the BEST health insurance. There is no one size fits all. What is right for you may not be right for your neighbor. Here are some tips to assist you in what you are looking for.

The primary tip you should look at is how often your family uses healthcare related services on an average year. Some folks may visit their physician each month. Whereas others might only see their physician annually for their preventative physical. These two types of individuals would need completely different plans. For those that use medical services on a regular basis you may want to pay a little more for full comprehensive coverage so that you have copays to cover your routine visits and prescriptions. Whereas if you are generally healthy and only want to see the doctor when you have to you may look for a less comprehensive coverage like an HSA plan to cover you for the catastrophic scenario. However, in each case you still have to weigh the price vs benefits ratio.

The next suggestion in getting the best health insurance in North Carolina is refelective upon your budget. Health insurance is expensive.. Nevertheless, there are plans available that can save you a lot of money. You could take a plan that has a higher deductible each year and this will greatly affect you monthly premiums. As mentioned above, a high deductible health plan (HDHP) paired with a health savings account is now a very comom choice for affordable health insurance.

The last tip for securing the best health insurance in North Carolina your family is to utilize the services of a good health insurance broker. Most people think that they will pay more when using a broker.This IS NOT the case. In North Carolina, insurance companies cannot charge more for insurance policies that are bought through a broker. By taking advantage of the knowledge of a qualified broker you will likely save much more money that you would trying to do this on your own.

Contact us today to find the best health insurance in North Carolina.

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