Cigna Dentist – Wheaton, IL
Learn More About the Benefits of Cigna
Routine dental visits are necessary to keep your teeth and gums healthy for life. However, some people may feel that a dentist appointment is financially out of reach, even with insurance. Don’t worry – this is a common misconception! By choosing a Cigna dentist in Wheaton, you can receive the comprehensive care your smile needs at reduced rates. Dr. Lam is committed to working with your dental insurance to offer personalized services without having to worry about straining your budget.
Cigna Coverage Availability & Fees
By paying your monthly premiums, Cigna grants you access to routine diagnostic, preventive, and restorative services to keep your smile healthy. While each plan varies, most offer:
- 100% coverage for preventive services
- 80% coverage for minor restorative services
- 50% coverage for major restorative services
With your policy, you can visit the dentist twice a year for cleanings and checkups, usually with just a co-payment. Investing in preventive care reduces long-term dental costs, as every $1 spent on prevention can save up to $50 on restorative and emergency treatments. As such, your dental insurance helps improve your oral health with minimal expenses, saving you money in the long run.
If you experience a dental problem, there's no need to delay treatment due to cost concerns. After meeting your annual deductible, Cigna may cover up to 80% of fees for common treatments like fillings, extractions, and root canals. Additionally, you have an annual allowance to help offset these expenses.
To maximize your benefits, Cigna suggests choosing an in-network dentist, as they offer pre-negotiated rates for greater coverage at the time of service. You can still visit an out-of-network dentist, but you’ll need to cover the difference between the allowed amount and the dentist’s fees.
Meet the Team
We understand that dental insurance can be confusing, which is why our team is here to assist you in any way possible. We’ll work with Cigna on your behalf to minimize your out-of-pocket expenses. We’ll explain how your coverage is applied and inform you of any remaining balance. If you have any costs to cover, we’ll also review your payment options to find one that best suits your financial situation.