Please note that the Employment Classifications of short-term or very short-term employees, short-term consultants, and trainees/students are not eligible for dental benefits.
The maximum that the Plan will pay is up to $2,000 per calendar year for the dental expenses of each covered person and up to $2,000 per lifetime for children age 18 and under for the orthodontia benefit.
You can minimize your out-of-pocket dental expenses and save time by using providers that are in Cigna’s network outside the United States and Cigna’s PPO network in the United States.
Please note that the Plan will pay a percentage of what Cigna determines to be the reasonable charge for each dental expense. The reasonable charge for a service or supply is the lower of the dentist’s usual charge for furnishing it, and the charge Cigna determines to be the prevailing charge level made for it in the geographic area where it is furnished. If your dentist bills for more than the reasonable charge, you are financially responsible for the excess charge. If you use a dentist in the Cigna PPO network, the total charge will never exceed the reasonable charge.
The following table provides a listing of the dental procedures that are covered and the respective coinsurance percentage.
| Plan Features Active Employee/Bridging | Care Received Outside the U.S. | Care Received in the U.S. – Cigna PPO | |
|---|---|---|---|
| Any Provider | In-Network | Out-of-Network* | |
| Calendar Year Benefit Maximum | $2,000 per individual | ||
| Orthodontia Lifetime Maximum** | $2,000 per individual | ||
| You pay: | You pay: | ||
| Calendar Year Deductible | None | ||
| Diagnostic & Preventive Services (e.g., x-rays, cleanings, exams) | $0 | $0 | 10% |
| Basic & Restorative Services (e.g., fillings, extractions, root canals) | 20% | 20% | 30% |
| Major Services (e.g., dentures, crowns, bridges) |
40% | 40% | 50% |
| Orthodontia (children to age 18) | 20%** | 20%** | 20%** |
| Treatment of Temporomandibular Joint Disorder | Not covered | ||
| Cosmetic Dentistry | Not covered | ||
*For out-of-network services, members pay applicable coinsurance plus any amount that exceeds the usual, customary, and reasonable charge.
**You will pay 20% until the orthodontia maximum of $2,000 is reached, then you will be responsible for the full balance in excess of that amount.
This section provides you with answers to the most frequently asked questions about the Dental Plan.
The Plan covers most common dental procedures that are needed to establish and maintain the health of your teeth and gums. This includes preventive procedures such as cleanings and X-rays; basic procedures such as fillings, root canals, and oral surgery; and major procedures such as crowns, bridges, and dentures. Refer to the dental coverage in the above table for a listing of dental procedures that are covered and not covered as well as maximums and limits.
The Plan does not cover the following dental expenses:
Please refer to the Limitations on Benefits in the respective section of the AIARC Benefits for examples of covered versus non-covered dental expenses.
In general, the Plan pays 100% of expenses for preventive procedures, 80% for basic procedures, and 60% for major procedures.
For care received in the United States, these percentages only apply if you use a dentist who participates in Cigna’s Preferred Provider Organization (PPO) network of dentists. If you use a U.S. dentist who is not in Cigna’s preferred network, the Plan will pay 90% for preventive procedures, 70% for basic procedures, and 50% for major procedures.
The Plan will pay up to $2,000 per calendar year for the dental expenses of each covered person and will pay up to $2,000 per lifetime for orthodontia (e.g., braces) for children age 18 and under.
You will find a list of providers through your Cigna Personal Webpage account. To Find a Dental Provider use the links in the sidebar.
You should use a provider in the network to save time and money. You can minimize your out-of-pocket dental expenses by using providers that are in Cigna’s network outside the United States and Cigna’s PPO network in the United States.
Yes, the Plan will pay a percentage of what Cigna determines to be the reasonable charge for each dental expense. The reasonable charge for a service or supply is the lower of the dentist’s usual charge for furnishing it, and the charge Cigna determines to be the prevailing charge level made for it in the geographic area where it is furnished. If your dentist bills for more than the reasonable charge, you are financially responsible for the excess charge. If you use a dentist in the Cigna PPO network, the total charge will never exceed the reasonable charge.
Outside the U.S.:
Within the U.S.:
For all Inquiries
AIARC reserves the right to modify or terminate any of the benefits described at any time for any reason. Please note that AIARC is not your employer and nothing contained in this website should be construed to create an employer-employee relationship. Your Center is your employer.
AIARC
901 N. Washington St., Suite 706
Alexandria, VA 22314-1535
United States
Phone +1-703-548-4540
Fax +1-703-548-5960
Office hours are from 8:30 a.m. to 5:30 p.m. (0830 to 1730 U.S. Eastern Time), Monday through Friday
If you have questions about your benefits, please contact the AIARC Coordinator for your Center by visiting www.AIARC.org.
