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).
- The PCS for the 2025-2026 plan year is available in English and Spanish.
- For the 2024-2025 plan year, follow this link to access the 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

¹Out-of-network preventive care is covered 100% up to reasonable and customary amounts.
²Separate $1,800 lifetime oral surgery maximum.
³Separate $2,000 lifetime orthodontic maximum.

What the Plans Cost

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	Cigna PPO	Cigna DHMO
Employee	$15.50	$5.99
Employee + Spouse/DP¹	$35.42	$10.92
Employee + Child(ren)	$33.21	$11.19
Employee + Family	$56.46	$17.48

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 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

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

myCigna Setup Guide

Get Support

Cigna

Dental Insurance

Phone: 888-336-8258

myCigna Member Portal