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:

: For non-preventive services like fillings, you often pay a 20% coinsurance after meeting your deductible, with the plan covering the remaining 80%. cigna dental buy up plan

Whether you should "buy up" depends on your expected dental needs for the year. Dental Preferred Provider Organization (DPPO) Plans Think of a buy-up plan as upgrading to

: 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. Dental Preferred Provider Organization (DPPO) Plans : Most

: Routine exams, cleanings, and X-rays are typically covered at 100% with no waiting period.

: Your out-of-pocket threshold before insurance kicks in may be reduced.