Cigna Dentist in Fort Collins (North Fort Collins)
If you’re looking for dentists that take Cigna in Fort Collins, we can help you get the dental care you need at Murphy Dental.
We do accept Cigna PPO, when we realized the Poudre School District was with MetLife we had a choice at that time, so we kept MetLife at a higher status because of our amazing teachers at Poudre School District.
Things became more complicated when Poudre School District switched their dental insurance for teachers and employees to the Cigna Dental Plan and its associated dental benefits. Dr. Murphy’s wife Stacy is by trade a special education teacher. She joined the dental world when their children were babies for flexibility so they and our entire staff truly value our teachers, educators and staff in this amazing community of Fort Collins.
After diligent time researching this with Cigna we decided to remain out of network so Dr. Murphy has more legal freedom to accommodate our Cigna patients. Although we aren’t a network provider, we do have a special offer that we have designed specifically for Cigna cardholders for their health care needs.
Cigna Cardholders Receive 25% Off Treatment
Since we have more flexibility when we work with Cigna; Dr. Murphy and Stacy decided to offer 25% off your patient portion for dental services treatment that would be covered at an in-network status. It helps benefit the patient in choosing the best treatment for their oral health and Dr. Murphy enjoys the flexibility in offering services at a discounted rate to provide latest researched dental treatment.
Since our status with Cigna is less restrictive we can work with each patient financially with more flexibility with dental treatment fees.
Note that you don’t have to have Cigna through the Poudre School District to take advantage of this offer. If you have a plan with Cigna insurance company under a different employer we will also offer the 25% off your estimated patient portion for the cost any services.
How We Work with Cigna Dental Insurance Plan Holders
We Collect Your Dental Insurance Information & Plan History
Murphy Dental will access your specific dental insurance and get all the details of your plan and associated dental coverage, and will keep on file. This helps us keep your frequencies on preventive care like dental cleanings, exams, x-rays, periodontal maintenance as well as various common services offered at a limited amount with each Cigna dental insurance plan
Cigna will pay out for one year the maximum on your dental insurance plan, typically there is a $50.00 deductible for services in their basic category and major. We obtain this information and any history on the plan just in case it was used at another office and they won’t pay for another, details pertaining to fillings are important to ask as some dental plans still only pay their co-insurance portion based on alternate benefit codes at the silver filling fee instead of for the white fillings (resin/composite) adding additional costs to the patient.
Know All Costs Up Front - No Surprises
We don’t want to give you the wrong information if treatment is necessary for a filling and be surprised if the plan downgrades. Typically there is not a huge difference.
Services & Coverage
Cigna will pay out for one year the maximum on your dental insurance plan, typically there is a $50.00 deductible for services in their basic category and major.
Preventive Services
Periodontal cleanings also have limitations, such a patient may have to split the scaling and root planing therapy into 2 different appointments on 2 different days doing half the mouth each time because insurance won’t pay for it if you do it all in one day. Cigna PPO typically structures a dental plan at 100% preventive and diagnostic for those types of services.
Basic Services
Fillings, Root Canals, Oral Surgery typically fall into the basic category and co-insurance is between 50%-80% with insurance paying the 80%.
Major Services
Major services usually at 50% include crowns, bridges, implants, bone grafts, dentures and other more prosthodontics.
Call (970) 225-8081 With Health Insurance Questions.
We will personally contact Cigna and receive all the details of your specific dental plan to ensure you have the most accurate estimates for any treatment and we can monitor the limitations on cleanings. As an example, cleaning coverage varies greatly – some Cigna plans will pay for 2 anytime in the benefit year while another dental insurance plan under Cigna will only pay if the next dental cleaning therapy is 6 months plus one day. We know the ins and outs of the insurance plans – and are able to allow you to maximize what you pay for with your dental insurance premiums.
We do realize that dental insurance can be confusing. Our effort to accommodate Cigna Dental Insurance cardholders is no exception. Please call for details and we can walk you through the details.
