Insurance – Frequently Asked Questions
Would there be a circumstance or situation when our Cigna medical covered dental procedures?
Yes, benefits are available for the removal of impacted teeth (wisdom teeth) or are the result of an accidental injury to the jaw, natural teeth, mouth or face.
Do I need a Referral before going to a specialist?
No, over coverage does not require a referral, however, a procedure or benefit may not be covered if the specialist is out of network. You can find providers that are in network by going to www.mycigna.com for an up-to-date list.
At what age does medical coverage for my dependent children terminate?
Subject to the Patient Protection and Affordable Care Act guidelines dependent coverage ends at age 26.
When can I enroll in the Health, Dental and/or Vision Benefits?
New employees must enroll within 30 calendar days of their hire date. If you do not enroll within this timeframe, you will have to wait until the next annual open enrollment period in October of each year. Open enrollment elections will be effective January 1st of the up coming year. If you experience a Life Event change, you can enroll within 30 days of the qualifying event such as marriage, divorce, death, birth, adoption or loss of coverage. This will be considered a Special Enrollment with the appropriate documentation.
Do I have an HMO, POS or PPO?
We have a PPO.