: You may get up to $2,000 or $3,000 in total annual benefits, compared to lower limits on base plans.
: Many plans include the Oral Health Integration Program , which provides extra reimbursements for members with specific medical conditions (like diabetes or pregnancy) that affect dental health. Is it Worth it?
A is an enhanced insurance option typically offered through employers that allows you to pay a slightly higher monthly premium in exchange for more comprehensive coverage than a standard base plan. How the "Buy-Up" Works cigna dental buy up plan
Think of a buy-up plan as upgrading to a premium tier of service. While a standard Cigna Dental plan might cover basic needs, the buy-up version often includes:
: The buy-up often adds or increases coverage for major restorative work—like crowns, bridges, or implants —and frequently includes orthodontia benefits for both adults and children. Key Benefits and Features : You may get up to $2,000 or
: For non-preventive services like fillings, you often pay a 20% coinsurance after meeting your deductible, with the plan covering the remaining 80%.
: Most buy-up options are Cigna Dental PPO (DPPO) plans, meaning you can see any licensed dentist, though you save more by staying in-network. A is an enhanced insurance option typically offered
Whether you should "buy up" depends on your expected dental needs for the year. Dental Preferred Provider Organization (DPPO) Plans