: You may get up to $2,000 or $3,000 in total annual benefits, compared to lower limits on base plans.
: 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
Whether you should "buy up" depends on your expected dental needs for the year. Dental Preferred Provider Organization (DPPO) Plans cigna dental buy up plan
: Routine exams, cleanings, and X-rays are typically covered at 100% with no waiting period.
: 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. : You may get up to $2,000 or
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:
: Your out-of-pocket threshold before insurance kicks in may be reduced. While a standard Cigna Dental plan might cover
: For non-preventive services like fillings, you often pay a 20% coinsurance after meeting your deductible, with the plan covering the remaining 80%.