Cigna Dental Plan Training Cigna Dental Started offering

Cigna Dental Plan Training ◦ Cigna Dental Started offering for individuals January 1, 2014 Available to all ages including people over age 65 Uses the Cigna PPO dental network One of largest networks available Bigger network than most competitors such as Aetna PPO, Humana, Careington, etc….

Cigna Dental Plan Training ◦ Plans Available in AL, AZ, CA, CO, CT, FL, GA, IL, NC, PA, SC, TN, TX, VA ◦ Three plan types to choose from (All PPO plan designs) Preventative 1000 1500

Cigna Dental Plan Training ◦ Preventative Plan- Covers two cleanings and X-Rays at 100% (no balance billing with participating dentists. ) Basic and Major services are not covered but are billed at the Cigna discounted rate which would allow for a 15% to 40% cost reduction depending on the procedure. Rates vary by age and area but this plan is $14. 00 a month on average

Cigna Dental Plan Training ◦ PPO 1000 - Covers two cleaning and X-Rays at 100%. Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%) The plan has a $50 deductible for basic and major services and a $1, 000 benefit max person per year. Rates vary by age and area but this plan is $25. 00 a month on average. Also covers Ortho at 50% (waiting period cannot be waived)

Cigna Dental Plan Training ◦ PPO 1500 -Covers two cleaning and X-Rays at 100%. Covers basic services (such as fillings) at 80% and covers major services (such as Crowns at 50%) The plan has a $50 deductible for basic and major services and a $1, 500 benefit max person per year. Rates vary by age and area but this plan is $28. 00 a month on average Also covers Ortho at 50% (waiting period cannot be waived)

Cigna Dental Plan Training ◦ Waiting periods No wait on the Preventative plan 6 month wait on basic for the 1000 and 15000 1 year wait on major for the 1000 and 1500 Waiting periods will be waived if member had previous dental plan for 1 year. They will need to send a certificate of coverage to Cigna to waive waiting periods.

Cigna Dental Plan Training ◦ PPO plan In network dentists must follow the fee schedule. They cannot balance bill the member Out of network dentists are allowed to balance bill over the allowable charges Discounts apply to all services (very important to consider with the Preventative plan) $1, 000 or $1, 500 ben max does not take discounts into consideration

Cigna Dental Plan Training ◦ Enrollments Clients can enroll with a paper application or through your personal broker portal Access all your clients status through portal Send links for them to enroll and get credit Enroll them in person through your broker portal Cigna site is www. cignaforbrokers. com ◦ Payment- monthly with EFT or credit card

Cigna Dental Plan Training ◦ Commissions $50 per member Example: single person is $50 but a family of 4 would be $200 Note: Comp for NC is $20 per member ◦ Referral program Refer an agent to us and get $10 for every member they write

Cigna Dental Plan Training ◦ Contracting You must submit a client paper application prior to being appointed. (can use electronic enrollment after that) One an application is written, fax, mail or email it to Crowe and Associates. Fax 203 -567 -6235 or email at Edward@croweandassociates. com Once the application is received, Cigna will send the agent an email with a link to the electronic appointment process. Call or email us if you need a rate sheet/application/summary of benefits

Cigna Dental Plan Training ◦ Selling points Great rates compared to other plans Three plans to choose from Can write people over age 65 PPO platform Big network Advanced commission (per member payment) Waive waiting period with prior coverage Easy to replace current coverage Referral program