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. | ||
Cigna DHMO Plan Resources
Helpful Links
Provider
Michaels offers you two dental plans administered by Cigna.
The Cigna PPO plan allows you to see any dentist in- 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.
With the Cigna DHMO plan, you choose a primary care dentist who directs your care. All services are paid on a copay basis. There is no out-of-network coverage with the DHMO plan. Please check my.cigna.com to see if your dentist is in the Cigna DHMO network. Otherwise, you will need to choose a new dentist in the Cigna DHMO network. There are fewer dentists in the Cigna DHMO network than in the Cigna PPO network.
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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 (Biweekly)
| Cigna PPO | Cigna DHMO |
| $14.12 | $5.77 |
| $32.28 | $10.54 |
| You + Child(ren) | |
| $30.26 | $10.80 |
| You + Family | |
| $51.45 | $16.86 |
1. By law, if a domestic partner does not qualify as a tax dependent, the cost for his/her benefits cannot be paid pre-tax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable.
Additional Resources
Cigna Dental Care (DHMO) Plan:
Other:
Provider