Dental Coverage

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Dental 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
Preventive services¹ (Oral Exams, Cleanings, X-rays)
$0 (in-network only)	$0
Deductible
Individual: $50 Family: $100	None
Basic services (Fillings, Oral Surgery², Simple Extractions, Endodontics, Periodontics)
20% after deductible	You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan.
Major services (Bridges, Crowns, Dentures)
50% after deductible	You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan.
Orthodontia³ (Children Through Age 18 Only)
50%, no deductible	You pay fixed copays according to the plan’s schedule of benefits. Specialist’s referral is required under this plan.
Annual maximum
$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.