Premier Dental Insurance Plan - FAQs
Who is eligible?
Full or part-time Federal Employees are eligible for Wright USA's CIGNA Dental Care® (DHMO) Premier Plan.
Please Note: This plan is not currently available in the following states: Alaska, Hawaii, Maine, Montana, New Hampshire, New Mexico, North Dakota, Rhode Island, South Dakota, Vermont, and Wyoming. If you reside in one of those states, you may obtain additional information about and apply for our PPO plan by clicking here.
What are Dental HMO Plans and how do Wright's compare to PPO plans offered by OPM?
Wright's DHMO plans have no deductibles, no annual dollar maximums, no waiting periods and set copayment amounts. In a DHMO, you select a network dentist who handles your routine dental care. If necessary, your dentist will refer you to a network specialist.
After you enroll in a Wright DHMO plan, you get a Patient Charge Schedule (PCS) listing the exact payments (copays) necessary for specific dental care procedures. The PCS is helpful because it lets you know in advance what you will pay for a procedure.
For more information about Wright USA’s DHMO plans, including a comparison to various PPO plans available through the Federal Employees Dental and Vision Insurance Program, view the following document: CIGNA Dental Care® (DHMO) Plan vs. FEDVIP PPO Plans.
When is my policy effective?
If you enroll between the 1st and 15th of the month, your coverage will become effective on the 1st of the next month. If you enroll after the 15th of the month, your coverage becomes effective the first of the following month.
You enroll on January 8th, your coverage becomes effective February 1st.
You enroll on January 17th, your policy becomes effective March 1st.
Do I have to select a dentist from a network?
Yes. To be able to take advantage of the cost savings Wright USA's CIGNA Dental Care® (DHMO) Premier Plan provides, you must select a network general dentist and use them for your dental care.
How do I find and select a network dentist? Can I change my network dentist later?
Simply pick a network dentist near your home or office by using the CIGNA Provider Directory online. Select "Dentist" under "What Type of Provider are you looking for?", provide at least the additional required information, and click on the "Next" button. Select "CIGNA Dental Care (HMO)", then "DHMO Network" and dentist type in the drop-down boxes. You can also call the automated Dental Office Locator at 1-800-244-6224 any time. Whether you apply online or via downloaded application, make sure to indicate your choice of dentist when you enroll.
You can change your network dentist at any time; changes are effective the next month. However, remember, if you visit a non-network dentist, your treatment may not be covered at all.
Can my family members use different dentists?
Yes. Each of your covered family members is free to select their own dentist from within our network. For example, your child attending college in another location can select a network dentist near their school.
What if I need to see specialist?
If you require specialty dental care, your network general dentist will refer you to a network specialist.
What if my current dentist is not on the network list?
This means your current dentist does not participate in Wright USA's CIGNA Dental Care® (DHMO) Network. You should select a dentist from the list of participating dentists. Services provided by a non-network dentist without prior approval by CIGNA Dental (except for emergencies) are not covered under the Wright USA CIGNA Dental Care (DHMO) Premier Plan.
Can my dentist be added to the network list?
Participating dentists must meet standards to become part of the Wright USA CIGNA Dental Care (DHMO) Network. If your current dentist meets our credentialing standards and is interested in becoming a participating dentist in our network, they can call 1-800-244-6224 to get more information on joining our network.
What if my current dentist is on the network list, but their office is shown as "accepting current patients only"? Can I still choose my current dentist?
If you are an existing patient of a participating network dentist, you may select them to be your primary care dentist.
if I have a dental emergency and can't get treatment from my network dentist?
If you are away from home or unable to contact your network general dentist, you may receive emergency dental services by any licensed dentist for unexpected but necessary services such as relieving severe pain, controlling excessive bleeding, eliminating serious and sudden ("acute") infection, or preventing an existing dental condition from getting worse.