Cigna DHMO
Covers only in-network providers and is only available in certain locations.
2023 dental plans
You can enroll in dental coverage as a new hire, during Annual Enrollment, or if you have a qualifying life event. To see your contributions and enroll, log in through HR Link accessible through either The HOP or OKTA.
MetLife Low Plan
You’re free to select the dentist of your choice. However, you’ll pay less when you choose a network provider.
MetLife High Plan
A dental plan with higher contributions and benefits, including orthodontia for children up to age 26. You’re free to select the dentist of your choice. However, you’ll pay less when you choose a network provider.
Key features at a glance
All dental plans provide:
- Free in-network preventive and diagnostic care to help keep your teeth healthy. Note: With Cigna DHMO, there’s a $5 office visit fee, and then most preventive care is free.
- Affordable coverage that helps you manage the cost of dental treatment.
- Wide network of providers that have agreed to negotiated rates, which helps you save money.
Find a network dentist
| Coverage details | Cigna DHMO | MetLife Low Plan | MetLife High Plan |
|---|---|---|---|
| Required to see a participating provider? | Yes | No | No |
| Deductible Employee only Family |
N/A | $50 $150 |
$50 $150 |
| Annual maximum benefit per person | N/A | $1,000 | $2,000 |
| Services | |||
| Preventive (exams and cleanings) | Flat fee per procedure | 100% covered | 100% covered |
| Basic (X-rays, fillings, simple extractions) | Flat fee per procedure | You pay 20% | You pay 20% |
| Major (crowns, dentures, bridges) | Flat fee per procedure | You pay 50% | You pay 50% |
| Orthodontia | Flat fee per procedure | Not covered | For covered children up to age 26: You pay 50%; separate $1,500 lifetime maximum |
Note: In-network services are reimbursed based on the negotiated fee, and out-of-network services are subject to reasonable and customary limits.
Are you considering the Cigna DHMO? Check availability in your area
Before electing the Cigna DHMO, you should verify there is a Cigna dental provider in your area accepting new patients by visiting Cigna.
Cigna DHMO is not available in the following locations: Alaska; Hawaii; Maine; Montana; New Hampshire; New Mexico; North Dakota; Puerto Rico; South Dakota; Vermont; West Virginia; Wyoming.
In addition, if you live near one of these DISH locations, you may not have an in-network provider within a 25-mile radius: Harlingen, TX; Bloomington, IL; Pembroke, VA; Christiansburg, VA; and Bluefield, WV.
All employees will see Cigna DHMO as an option in HR Link. If you’re ineligible, the HR Operations Team will contact you to select another dental plan.
Use your dental benefits wisely
Here’s how to make the most of your dental benefits:
- Present your plan identification. Plan ID cards are not required for any of the plans. However, your provider may ask for your Social Security number to verify your coverage.
- Submit for a pretreatment estimate. With the MetLife plans, you should submit a request for a pre-treatment estimate for procedures and services your dentist believes will exceed $300 (procedures such as crowns, inlays, bridges, and periodontics). For more information, visit MetLife or call 1-877-638-3379.
- Check your claim status. You can review Explanation of Benefits (EOB) statements, check if claims have been paid, and more through MetLife.