Dental Coverage
Keep Your Pearly Whites Bright with Dental CoverageDental Plan Options
Michaels offers you two dental plans administered by Cigna; the Cigna PPO and the Cigna DHMO.
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PPO vs. DHMO
Cigna PPO
- The Cigna PPO plan allows you to see any dentist in-network or out-of-network, but there is a limit to how much the plan pays for some covered services. You’ll save money when you use a provider in the Cigna Dental network.
- Visit my.cigna.com to find a network dentist near you.
Cigna DHMO
- With the Cigna DHMO plan, you choose a primary care dentist who directs your care. All services are paid on a copay basis according to the Patient Charge Schedule (PCS).
- There are fewer dentists in the Cigna DHMO network than there are in the Cigna PPO network.
- There is no out-of-network coverage with the DHMO plan.
- Visit my.cigna.com to check whether your dentist is in the Cigna DHMO network. If they are not, you will need to choose a new dentist in the Cigna DHMO network.
What You Pay When You Receive Care
| Cigna PPO | Cigna DHMO |
| $0 (in-network only) | $0 |
| Individual: $50 Family: $100 |
None |
| 20% after deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| 50% after deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| 50%, no deductible | You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan. |
| $1,800 per person | None |
1. Out-of-network preventive care is covered 100% up to reasonable and customary amounts.
2. Separate $1,800 lifetime oral surgery maximum.
3. Separate $2,000 lifetime orthodontic maximum.
What the Plans Cost
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| Cigna PPO | Cigna DHMO | |
|---|---|---|
| You | ||
| Biweekly | $15 | $5.77 |
| Annually | $390 | $150.02 |
| You + Spouse/Domestic Partner1 | ||
| Biweekly | $34.27 | $10.54 |
| Annually | $891.02 | $274.04 |
| You + Child(ren) | ||
| Biweekly | $32.13 | $10.80 |
| Annually | $835.38 | $280.80 |
| You + Family | ||
| Biweekly | $54.62 | $16.86 |
| Annually | $1,420.12 | $438.36 |
| 1By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the "value" of Team Member and employer-provided domestic partner contributions is taxable. | ||
myCigna
You will manage your account and your dental card digitally via myCigna. Please note that Cigna does not issue physical dental cards.
To get started, register in myCigna to create your account. You will need one of the following in order to set up your account: Social Security Number, Cigna Healthcare ID number, or Medicare number. There’s also a myCigna app available to download.
Then, use myCigna to:
- View, print and send ID cards
- Find in-network doctors, hospitals, and medical services
- Compare quality of care information, including patient reviews from customers
- Manage and track claims
- See cost estimates for medical procedures
- Chat with a live Cigna Healthcare rep
Cigna DHMO Plan Resources
Helpful Links
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