Insurance
Cigna Dental Dentist NYC — Out-of-Network, We File Your Claims
Centre Dental is a non-participating provider with Cigna DPPO plans. We bill Cigna directly on your behalf and handle all claim submissions. Your Cigna DPPO plan covers treatment at out-of-network providers, and we verify your benefits in advance so you know exactly what to expect.
Coverage Overview
How Your Cigna Plan Works Here
Cigna DPPO plans typically cover preventive care at 80–100%, basic restorative procedures at 50–80%, and major restorative work at 30–50%. Cigna uses a "Maximum Reimbursable Charge" (MRC) for out-of-network providers, which determines the amount they cover. We verify your specific MRC and benefit levels before treatment.
Many Cigna DPPO plans cover dental implants under major restorative benefits, typically at 30–50% of the Maximum Reimbursable Charge. Some Cigna plans classify implants separately with their own coverage tier. Waiting periods may apply for newer plans. We confirm your Cigna implant benefits during your consultation at no cost.
Typical Coverage Ranges
80–100%
Preventive Care
Cleanings, exams, X-rays
50–80%
Basic Restorative
Fillings, simple extractions
30–50%
Major Restorative
Crowns, bridges, implants
Varies by plan
Orthodontics
Invisalign, aligners
Ranges are general estimates. Your plan may differ.
Billing Process
How We Handle Your Cigna Claims
Call (212) 925-7066 or book online. Provide your Cigna member ID and group number.
We verify your Cigna DPPO benefits, including the Maximum Reimbursable Charge, annual maximum, and any applicable waiting periods.
We present your treatment plan with a clear estimate of your out-of-pocket cost based on your verified Cigna benefits.
Treatment is completed — often in a single visit with same-day technology. We submit the claim to Cigna directly.
Cigna processes the claim and sends reimbursement based on your plan. You pay only your coinsurance or copay portion.
Same-Day Procedures
One Visit. One Claim. Done.
Our CEREC same-day crown technology allows us to design, mill, and place a permanent porcelain crown in a single visit. For Cigna plan holders, this means one appointment, one claim, and no temporary crown. The procedure code is identical to a traditional crown, so your Cigna coverage applies the same way.
Technology
CEREC Same-Day Crowns
Custom porcelain crowns designed, milled, and placed in a single visit. One claim instead of two.
3D CBCT Imaging
Full 3D scan in seconds for precise diagnosis and treatment planning.
3D-Guided Implant Surgery
Precise implant placement using a custom surgical guide built from your 3D scan.
Common Questions
Cigna FAQ
Does Centre Dental accept Cigna dental insurance?
Centre Dental is a non-participating provider with Cigna DPPO plans. We bill Cigna directly on your behalf. Your DPPO plan covers out-of-network providers, and we verify your specific coverage — including the Maximum Reimbursable Charge — before treatment begins.
What is Cigna’s Maximum Reimbursable Charge (MRC)?
The MRC is the maximum amount Cigna will consider for out-of-network claims. It is based on provider charges in your geographic area. As a non-participating provider, our fees may be above the MRC, which means you may be responsible for the difference. We clarify these amounts before any work begins so you can make an informed decision.
Does Cigna cover dental implants?
Many Cigna DPPO plans include dental implant coverage under major restorative benefits, typically at 30–50% of the MRC. Some plans have separate implant benefit riders or waiting periods. We verify your exact Cigna implant coverage during your free consultation.
Does Cigna cover CEREC same-day crowns?
Yes. CEREC same-day crowns use the same dental procedure codes as traditional crowns. Cigna covers them at the same benefit level as any other porcelain crown. The advantage for you is one visit, one claim, and no temporary crown.
How do I verify my Cigna dental benefits before my visit?
Call us at (212) 925-7066 with your Cigna member ID and group number. Our team contacts Cigna to verify your DPPO benefits, MRC amounts, annual maximum, and any waiting periods or exclusions. We provide this information before your appointment.
Will I pay more at an out-of-network dentist with Cigna DPPO?
With Cigna DPPO, you have the freedom to visit any dentist. Out-of-network visits may result in slightly higher out-of-pocket costs because reimbursement is based on the MRC rather than a contracted rate. However, many patients find the difference manageable given the advanced care and same-day technology available at Centre Dental.
Does Cigna cover Invisalign treatment?
Some Cigna DPPO plans include orthodontic benefits that apply to Invisalign. Coverage varies significantly by plan and may include a separate orthodontic lifetime maximum. We verify your Cigna orthodontic benefits before starting treatment.
Can I switch to Centre Dental mid-year with my Cigna plan?
Yes. Cigna DPPO plans allow you to visit any licensed dentist at any time without a referral. You do not need to wait for an enrollment period. Your current annual maximum and benefits carry over regardless of which dentist you visit.
Coverage information on this page is provided as a general guide. Your actual benefits depend on your specific plan, employer selections, and enrollment date. We verify your exact benefits before treatment. Centre Dental never shares your insurance or health information beyond what is required for claims processing. Your information is protected under HIPAA.
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Verify Your Benefits
Ready to Use Your Benefits?
Call us with your Cigna member ID. We verify your benefits, explain your coverage, and provide a cost estimate — all before your first appointment. No obligation.