Seattle’s Downtown Dentist Accepts Cigna PPO Dental Insurance

If you have Cigna dental coverage through your employer or an individual plan, you can use your benefits at Seattle’s Downtown Dentist.

Accepted Plans:

Cigna PPO (Cigna Dental Care PPO)

Plans we’re not currently able to accept:

Cigna DHMO plans, Medicaid dental plans

*If you’re unsure which plan type you have, call us and we’ll look it up for you.

Seattle’s Downtown Dentist accepts Cigna PPO dental insurance and works to make your coverage as easy to use as possible. Our team contacts Cigna directly before your first visit to confirm your specific plan details, provides a written cost estimate before any major procedure, files your claims electronically after every appointment, and handles any follow-up communication with Cigna on your behalf. You'll never need to call your insurer or manage paperwork yourself.

Network Status:

In-Network with Cigna PPO

Typical Cigna PPO Coverage at a Glance

Coverage percentages below reflect typical Cigna PPO benefit levels for employer-sponsored plans in Washington State. Your exact coverage depends on your specific plan, deductible status, and remaining annual maximum, all of which we confirm before any treatment is scheduled.

Service Category	Typical Coverage	Common Examples
Preventive & Diagnostic Care	80% – 100%	Exams, cleanings, X-rays, fluoride treatments, sealants
Basic Restorative Services	70% – 80%	Fillings, simple extractions, emergency palliative visits
Major Restorative Services	50%	Crowns, bridges, root canal therapy, dentures
Periodontal (Gum) Treatment	50% – 80%	Scaling & root planing, periodontal maintenance
Oral Surgery	50%	Surgical extractions, wisdom teeth removal
Orthodontics (if benefit elected)	20% – 50%	Invisalign, traditional braces (lifetime ortho max applies)
Dental Implants	Varies by plan	Implant placement, abutment & crown (employer plan determines)

Understanding Your Annual Cigna Maximum & Deductible

Annual Maximum

This is the total dollar amount Cigna will contribute toward your covered dental care within a single benefit year. Most employer-sponsored Cigna PPO plans carry an annual maximum between $1,000 and $2,500. Once that limit is reached, any remaining costs for the year are the patient's responsibility.

Deductible

This is the amount you pay out-of-pocket before Cigna begins contributing to covered services. A typical Cigna PPO deductible is $50 to $100 per person. Preventive care, including exams and cleanings, is generally exempt from the deductible, meaning your coverage applies from your very first visit.

Frequency Limitations

Most Cigna PPO plans include frequency limits on certain services, such as one set of bitewing X-rays per year or cleanings every six months. Our team reviews these limits during your benefits verification so there are no surprises.

Cigna PPO Coverage by Dental Treatment

Our Seattle dental offices offer a full range of dental services that fall within Cigna’s covered categories. We confirm your specific plan coverage and provide a detailed cost estimate before scheduling any procedure.

Dental Exam

Preventive — typically covered at 100%

Professional Teeth Cleaning

Preventive — typically covered at 100%

Digital X-Rays

Preventive — typically covered at 100%

Fluoride Treatment

Preventive — coverage commonly includes patients through age 18–21

Dental Sealants

Preventive — typically covered for children and adolescents

Cavity Treatment (Fillings)

Basic restorative — typically covered at 70–80%

Tooth Extractions

Basic restorative — typically covered at 70–80%

Emergency Dentistry

Basic restorative — palliative and emergency visits typically covered

Dental Crowns

Major restorative — typically covered at 50%

Dental Bridges

Major restorative — typically covered at 50%

Root Canal Therapy

Major restorative — typically covered at 50%

Dentures & Removable Appliances

Major restorative — typically covered at 50%

Gum Disease Treatment

Periodontal — typically covered at 50–80%

Periodontal Care (Deep Cleaning)

Periodontal — typically covered at 50–80%

Invisalign Clear Aligners

Orthodontic benefit (if elected) — typically 20–50% up to lifetime maximum

Pediatric Dentistry

Preventive & basic services — typically well covered under most plans

TMJ Treatment

Coverage varies by plan — we confirm your benefits before any treatment begins

Mouth Guards

Coverage varies — many plans provide partial coverage for prescribed appliances

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Our Insurance Process

Get Started Using Your Cigna Insurance at our Seattle dental offices

Step 1

We Verify Your Cigna Benefits

Before your visit, our insurance team contacts Cigna directly to confirm your plan type, covered services, annual maximum, remaining deductible, frequency limitations, and any waiting periods. You'll receive a plain-language summary before your appointment.

Step 2

You Receive Your Care

Our clinical team provides the treatment you need at your chosen Seattle dental office. You pay your estimated patient portion on the day of service.

Step 3

We File Your Claim

After your visit, our billing team submits your Cigna claim electronically to your insurance provider. Most Cigna claims are processed within 10 to 30 business days, after which you'll receive an Explanation of Benefits (EOB) from Cigna.

Step 4

We Follow Up and Appeal on Your Behalf

Our team monitors your claim through processing and reviews your EOB when it arrives. If Cigna underpays, requests additional documentation, or issues a denial, we handle the follow-up and appeals process on your behalf. We work to make sure your Cigna plan pays what it should so you're not leaving benefits on the table.

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Cigna Dental Insurance FAQs

Is Cigna dental insurance accepted at Seattle’s Downtown Dentist?

Yes, Seattle’s Downtown Dentist accepts Cigna PPO dental insurance. Cigna DHMO plans and Medicaid dental plans are not accepted.

Will my Cigna PPO plan cover a cleaning visit?

Most Cigna PPO plans cover preventive care, including exams and cleanings, at 80% to 100%, and these services are usually deductible-exempt. Seattle’s Downtown Dentist verifies your exact coverage before your visit so you know what to expect.

Does Seattle’s Downtown Dentist bill Cigna on my behalf?

Yes. Our office files all claims electronically with Cigna after every appointment, so you don't need to submit any paperwork yourself.

What if part of my Cigna annual maximum is already used?

We check your remaining annual maximum during benefits verification, and if you're approaching your limit, Seattle’s Downtown Dentist factors that into your treatment plan and cost estimate so you can plan your budget accordingly.

Are dental implants covered under Cigna?

Implant coverage varies by employer plan — some Cigna PPO plans include an implant benefit while others don't. Seattle’s Downtown Dentist verifies this for your specific plan before any implant consultation.

Does my Cigna plan have a waiting period for major treatment?

Some Cigna plans include waiting periods before covering major restorative work. Seattle’s Downtown Dentist checks for this during your benefits verification and lets you know before scheduling any affected procedure.