You can choose from two Cigna dental plans—Cigna Dental Option 1 (Basic) and Cigna Dental Option 2 (Enhanced)—that cover all your dental needs, from routine exams and cleanings to major services like bridgework, crowns, and orthodontia. Although you may see any dentist you like, when you visit a Cigna Dental network dentist, you’ll pay less and you won’t have to file a claim.

  • A nationwide network of Cigna dentists
  • Discounted rates for using participating Cigna network dentists
  • Preventive and diagnostic care at no cost to you
  • Coverage for restorative services and orthodontia

The key difference: Option 2 provides a higher annual maximum benefit and higher levels of coverage for basic restorative and orthodontic services. Its higher benefit levels will cost you more per paycheck.

You can also choose to waive dental coverage.

Find a Participating Dentist

The Cigna website makes it simple to locate a participating dentist in your area.

Compare the Cigna Dental Plan Options

 Option 1 (Basic)Option 2 (Enhanced)

Annual Deductible

$50/$100 $50/$100 

Individual Maximum Calendar-Year Benefit* (excludes orthodontia) 

$1,200 $1,500 

Preventive & Diagnostic Care Services (no deductible), includes routine exams, cleanings, x-rays, sealants, and other services 

0% 0% 

Basic Restorative Care, such as fillings, oral surgery, extractions, root canals, periodontics, and repairs to dentures, bridges, and crowns 

20% coinsurance after deductible 10% coinsurance after deductible 

Major Restorative Care, such as dentures, bridges, crowns, and implants

40% coinsurance after deductible 40% coinsurance after deductible 


40% coinsurance after deductible. Lifetime maximum benefit (per person):* $1,000 40% coinsurance after deductible. Lifetime maximum benefit (per person):* $1,500 

*All plan deductibles and maximums (dollar and occurrence) cross-accumulate between in-network and out-of-network, unless otherwise noted.

Pretreatment Review of Benefits

Before you sit down for a procedure that will cost more than $200, contact Cigna to request a pretreatment review of benefits. That way, you’ll know how much the plan will cover, and how much you’ll need to pay.

Out-of-Network Dental Care

If you receive care from a dental provider outside the Cigna network:

  • You may pay more for services because non-participating dentists have not negotiated fee discounts with Cigna.
  • You may need to pay the dentist yourself and then submit a claim to be reimbursed by Cigna.
  • If you need to submit a dental claim yourself, ask your dentist for a standard American Dental Association claim form.

For complete details about covered expenses, exclusions, and limitations, visit HRConnect to review the summary plan description (SPD) for your dental plan.

Ready to Enroll?

To enroll or make changes to your benefits, visit bswift, our secure, online enrollment website. You’ll be prompted to enter your YNHHS username and password. If you are enrolling before your hire date, use this link to visit bswift and follow the temporary username and password instructions there. If you run into problems, call HRConnect at 844-543-2147. Need more info first? You’ll find details at HRConnect.