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If you’re covered by Cigna insurance and find yourself in need of dental care in Singapore, you might be wondering how to utilise your coverage to reduce out-of-pocket expenses. From routine check-ups and fillings to more complex treatments, your insurance could help significantly lower the cost of your dental treatment.
Dental Designs Clinic is an accredited Cigna Healthcare provider, allowing eligible patients with Cigna dental insurance to use direct billing for their treatments.
Understanding how to navigate your Cigna dental insurance coverage can make the process of getting care smoother and more affordable.
Dental Designs Clinic is conveniently located in the heart of Singapore (Raffles Place, Telok Ayer and Orchard). This guide is designed to help you understand how to use your Cigna insurance for dental treatments at Dental Designs Clinic. Whether you're an expatriate or a local seeking a reliable clinic with international standards of sterilisation, hygiene and modern equipment, our friendly team is here to assist!
Why choose a Cigna Healthcare panel dentist?
Cigna dental insurance is a dental plan designed to provide comprehensive dental coverage for
policyholders. Cigna Healthcare can help cover dental procedures such as routine check-ups, and restorative and preventive treatments, depending on your specific plan. This makes it easier for you to keep up with regular dental care, reducing the financial burden of dental treatments.
Here’s a simple guide on how the process works when you use your Cigna dental insurance with us.
1) Convenient Clinic Locations
For professionals working at the Central Business District (Telok Ayer and Raffles Place) as well as Orchard, finding a dentist close to your workplace reduces the time spent on travel and waiting. We also offer lunchtime appointments to fit your busy schedule.
2) Comprehensive Dental Services
Cigna Healthcare panel dentists provide a wide range of dental treatments, from preventive care like fluoride treatments, routine cleanings and dental X-rays to restorative care (dental fillings) and tooth extractions. If there is any procedure that is not within your dental coverage, your doctor will inform you so before starting the treatment.
3) Direct Billing
At Dental Designs Clinic, we offer direct billing services for Cigna Healthcare members, meaning you can avoid upfront payments for selected dental treatments. We’ll submit your claim directly to Cigna through our system, simplifying the process so you can focus on improving your oral health.
Using your Cigna Dental Insurance at Dental Designs Clinic: What to know
1) Before your appointment
If you have dental insurance, please let us know when you are arranging your appointment. This will smoothen the billing process on the day of your appointment. Our team is happy to answer any questions you may have about your dental insurance or coverage before your visit.
Please note that some treatments may require a Guarantee of Payment (GOP) or pre-authorisation request, depending on the terms of your specific insurance policy. We also recommend checking your insurance policy before booking your appointment so you have a clearer understanding of your coverage and benefits.
2) Cigna is a direct-claim insurance
This means we can submit your claim to your dental insurance provider directly through our system. If the treatment performed on the day is fully covered by your insurance, you will not need to pay anything out of pocket. If any treatment is not fully covered, our team will let you know beforehand if there are any payments you need to make.
What to expect during your first visit to a Cigna dental clinic?
Here’s a look at what typically happens during an initial visit.
Verification of details: We will verify your Cigna dental insurance plan details with you to ensure that you are eligible for the benefits. This is so that you have a clear understanding of what’s covered and minimise any surprises regarding payment, ensuring your visit is smooth from start to finish.
For some dental procedures, a (GOP) or pre-authorisation request may be required.
Comprehensive Exam: The dentist will conduct a detailed examination of your oral health. He will check your mouth, teeth and gums, using X-rays or other diagnostic tools as needed.
Personalised Treatment Plan: Evaluating the cost of dental treatments and how they are covered under the plan is crucial. Comprehensive health insurance plans often integrate dental coverage, ensuring better access to quality care. If you require further treatment for your dental issues that is not covered by your dental insurance plan, your dentist will explain the options and potential out-of-pocket costs.
Preventative Treatments: Your initial visit will typically include a cleaning session to remove plaque and tartar. Your dentist will also offer tips on maintaining oral health and may schedule future appointments if needed.
Claims Processing: We are equipped to handle Cigna dental insurance claims directly. This means you can enjoy quality dental care with minimal hassle. If there are any co-pays or a benefit limit involved, our receptionists will inform you about it.
How to claim Cigna dental insurance for dental treatment?
1. Present your insurance information
When you arrive for your appointment, please bring your NRIC/FIN card and dental insurance card. This helps us confirm your insurance details and ensure they match the information you provided when scheduling the appointment, so we can update our records accordingly.
For certain dental procedures, our team will need to arrange a Guarantee of Payment (GOP) or pre-authorisation request before your treatment can begin. Treatment can only proceed once the GOP is received. We’re here to ensure that the claim submission process is as easy as possible for you.
2. Verify your details
If in any case we are unable to verify your insurance coverage on the Cigna Healthcare online portal, we will promptly inform you so that you can check with your insurance provider about your specific policy.
3. During your appointment
Your dentist will then perform the necessary treatment to improve your oral health. We recommend checking your policy in advance and letting the dentist know if the treatment you need is covered.
4. After your appointment
Once your appointment is complete, if all the dental procedures done for that day is covered by your Cigna dental insurance, we will process the claims directly for you. Please note that not all dental treatments may be covered under your specific policy. If any treatment is not covered, an out-of-pocket payment will be required.
5. Schedule your next appointment
With your insurance information now on file, managing future visits will be even easier. Just let us know if there have been any changes in your insurance details, and we’ll update our records accordingly.
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FAQs on Cigna Healthcare Insurance
We answer some commonly asked questions about Cigna Healthcare Panel Clinics and how you can utilise your Cigna dental insurance coverage fully with us.
Q) What if I need treatment that isn’t covered?
Some Cigna Healthcare dental plans have limitations, especially for cosmetic or complex treatments. Your dentist will advise on other payment options if a specific treatment is not covered under your plan.
Q) What is covered with a Cigna panel dentist?
As a Cigna-accredited clinic, we will be able to cover you for a range of services such as regular checkups, scaling and polishing, x-rays and restorative care (dental fillings), as well as other treatments, which can often be direct billed to Cigna Healthcare. Depending on your insurance plan, many of these treatments may be eligible for direct billing to Cigna Healthcare.
It is advisable to review your policy details before your appointment so you are aware of what is covered and what may not be included.
Q) How do I claim my Cigna dental insurance with a Cigna panel dentist?
As a Cigna Healthcare accredited clinic, you will get to enjoy coverage for your dental treatment with us. Please bring your Cigna dental insurance card for your appointments in order for us to process your claim with Cigna. Whenever possible, we direct bill your treatment charges to Cigna for your convenience.
Q) I have a cracked or chipped tooth. Can I come in immediately?
We understand that dental emergencies occur and you require prompt treatment. We will try to schedule your appointment on the same day, if possible.
Treating dental emergencies quickly is important, as a damaged tooth can affect your ability to eat, speak, and go about your daily activities comfortably. The good news is, our clinic is able to provide same day restorations and crowns, without the usual waiting period. Read more about same day crowns here
Our clinic provides a full range of dental services to you using high quality products from Germany and Switzerland. At Dental Designs Clinic, our dentists are trained in the high tech equipment such as the German SIRONA CEREC 3D CADCAM machine which can produce long lasting crowns in a day, compared to typical clinics which require 2 weeks for a crown.
Please do note that Cigna dental insurance, like most other insurance providers, does not cover dental crowns and root canal treatment under their basic plan. This article on "Does dental insurance cover root canal treatments and crowns in Singapore?" will explain more.
Conclusion
We hope our article has helped answer any questions you might have. Our clinic provides a wide range of dental services using high quality products from Germany and Switzerland.
To find out more about treatment options and how we can help, please feel free to schedule an appointment with us.