Are you looking for top-quality pediatric dental care in Erie that accepts Cigna Dental PPO insurance? At Hardy Pediatric Dentistry & Orthodontics, we understand that navigating dental insurance for your child can be confusing. Our team is here to help you maximize your Cigna benefits while providing exceptional dental care for your little ones.
Dr. Namrata Hardy and our experienced team work with all major Cigna Dental PPO plans to ensure your child receives the best possible care with minimal out-of-pocket expenses. We’re committed to making pediatric dental care accessible and affordable for families throughout Erie and surrounding areas.
Understanding Your Cigna Dental PPO Insurance Options for Children
Cigna Dental offers several PPO plans that provide excellent coverage for pediatric dentistry services. These plans fall into two main categories: low deductible plans and high annual maximum plans. Each option offers different levels of coverage to meet your family’s specific needs and budget.
Choosing the right dental insurance plan for your child is crucial for maintaining their oral health while managing costs. Cigna’s DPPO networks give you access to reputable pediatric dentists nationwide, including our specialized team at Hardy Pediatric Dentistry & Orthodontics in Erie, CO.
Most Cigna plans cover preventive services like regular cleanings, exams, and x-rays at 100% after meeting your deductible. Other services typically require you to pay a coinsurance percentage once you’ve met your annual deductible and satisfied any waiting periods.
Low Deductible Cigna Dental Plans for Children
Cigna Dental Preventive Plan
The Cigna Dental Preventive plan offers excellent basic coverage with no deductibles or annual maximums. This plan is ideal for families focused primarily on preventive care.
| Service Type | Coverage Level | Waiting Period |
| Preventive & Diagnostic (exams, cleanings, x-rays) | 100% | None |
| Basic Restorative | Not covered | N/A |
| Major Restorative | Not covered | N/A |
This plan provides access to Cigna’s convenient nationwide Cigna Advantage DPPO Network, making it easy to find qualified pediatric dentists like Dr. Nam Hardy wherever you go.
Cigna Dental 1000 Plan
The Cigna Dental 1000 plan offers more comprehensive coverage with a low deductible and a $1,000 annual maximum benefit.
| Service Type | Coverage Level | Waiting Period |
| Preventive & Diagnostic | 100% | None |
| Basic Restorative (fillings, simple extractions) | 80% after deductible | 6 months |
| Major Restorative | Not covered | N/A |
This plan is perfect for families needing basic restorative services beyond just preventive care.
Cigna Dental 1500 Plan
The Cigna Dental 1500 plan provides the most comprehensive coverage among the low deductible options with a $1,500 annual maximum benefit.
| Service Type | Coverage Level | Waiting Period |
| Preventive & Diagnostic | 100% | None |
| Basic Restorative | 80% after deductible | 6 months |
| Major Restorative (crowns, root canals) | 50% after deductible | 12 months |
| Orthodontic Treatment | 50% (lifetime maximum applies) | 12 months |
This plan is ideal for families anticipating the need for more extensive dental work or orthodontic treatment for their child.
High Annual Maximum Cigna Dental Plans for Children
Cigna Dental 5000/250 Plan
The Cigna Dental 5000/250 plan offers a generous $5,000 annual maximum benefit with a $250 individual deductible.
| Service Type | Coverage Level | Deductible |
| Preventive & Diagnostic | 100% after deductible | $250 annual |
| Basic Restorative | 80% after deductible | $250 annual |
| Major Restorative | 50% after deductible | $250 annual |
This plan provides extensive coverage for both minor and major dental procedures and gives members access to Cigna’s Total DPPO Network with no referrals needed.
Cigna Dental 3000/150 Plan
The Cigna Dental 3000/150 plan offers a $3,000 annual maximum benefit with a $150 individual deductible.
| Service Type | Coverage Level | Deductible |
| Preventive & Diagnostic | 100% after deductible | $150 annual |
| Basic Restorative | 80% after deductible | $150 annual |
| Major Restorative | 50% after deductible | $150 annual |
With this plan, members and their dependents have access to Cigna’s nationwide Total Cigna DPPO Network and don’t need referrals to see specialists.
Cigna Dental 3000/100 Plan
The Cigna Dental 3000/100 plan offers a $3,000 annual maximum benefit with a lower $100 individual deductible.
| Service Type | Coverage Level | Deductible |
| Preventive & Diagnostic | 100% after deductible | $100 annual |
| Basic Restorative | 80% after deductible | $100 annual |
| Major Restorative | 50% after deductible | $100 annual |
This plan is an excellent choice for families wanting a balance between affordable premiums and comprehensive coverage with a lower deductible.
Specialized Pediatric Dental Services Covered by Cigna at Hardy Pediatric Dentistry
At Hardy Pediatric Dentistry & Orthodontics, we offer a wide range of pediatric dental services that may be covered by your Cigna Dental PPO plan. Our state-of-the-art facility in Erie, CO is equipped with the latest technology to provide comfortable and effective treatment for your child.
Dr. Namrata Hardy, our board-certified pediatric dentist, specializes in creating positive dental experiences for children from infancy through adolescence. Our team takes the time to build trust with each child, using child-friendly language and the “Tell-Show-Do” technique to reduce anxiety.
We’re proud to offer advanced services like laser dentistry, which allows us to treat cavities without shots or drills in 99% of cases – making dental visits much less stressful for children.
X-Rays and Diagnostic Imaging Coverage with Cigna Dental
Regular dental x-rays are crucial for monitoring your child’s dental development and detecting issues that aren’t visible during a regular exam. Cigna Dental typically covers routine dental x-rays for children at 100%, while non-routine x-rays are estimated to be 80% covered after meeting your plan deductible.
According to Cigna Dental guidelines, coverage typically includes one set of bitewing x-rays in any 12-month period, limited to a maximum of 4 films per set. This diagnostic imaging helps Dr. Nam identify potential issues early when they’re easier and less expensive to treat.
Our office uses digital x-ray technology, which reduces radiation exposure by up to 90% compared to traditional x-rays. This safer alternative provides instant results and allows Dr. Nam to easily explain findings to both parents and children.
Cleanings and Tooth Fillings for Children with Cigna Dental
Regular professional cleanings are essential for maintaining your child’s oral health and preventing cavities. Cigna Dental typically covers routine cleanings at 100% with no waiting period. For children 14 years and older, coverage allows for one cleaning per 6-month period.
If your child does develop a cavity, Cigna Dental generally covers tooth fillings at approximately 80% after you meet your plan deductible. There is typically a 6-month waiting period for this service. Replacement of an existing composite filling is usually covered if at least 12 consecutive months have passed since the original filling was placed.
At Hardy Pediatric Dentistry, Dr. Nam uses laser dentistry for many cavity treatments, making the experience more comfortable for children. This advanced technique often eliminates the need for shots or drills, reducing anxiety and making dental visits more positive.
Frenectomy, Tongue Tie, and Lip Tie Procedures Coverage
Frenectomy procedures (correction of tongue tie or lip tie) can be crucial for proper feeding, speech development, and oral function in children. Cigna Dental plans typically cover frenectomy procedures (frenulectomy or frenotomy) and include an allowance for local anesthesia and routine postoperative care.
Dr. Nam specializes in infant and child frenectomy using the advanced Lightscalpel laser technology. This minimally invasive approach results in less discomfort, faster healing, and reduced risk of complications compared to traditional methods.
If you’re concerned about your child’s tongue tie or lip tie, we can help determine if a frenectomy is necessary and check your specific Cigna plan’s coverage for this procedure. Many families are relieved to learn that this important procedure may be partially covered by their insurance.
Orthodontic Coverage for Children with Cigna Dental
Does your child need orthodontic treatment? Some Cigna Dental plans, such as the Cigna Dental 1500, include coverage for orthodontic services at approximately 50% after meeting waiting periods. This coverage can help make braces, clear aligners, or other orthodontic treatments more affordable.
At Hardy Pediatric Dentistry & Orthodontics, we’re fortunate to have Dr. T.C. Hardy, a board-certified orthodontist, working alongside our pediatric dental team. This integrated approach allows for comprehensive care under one roof, making treatment more convenient for busy families.
Dr. T.C. Hardy offers various orthodontic options, including traditional braces, clear braces, InBrace, KLOwen braces, and Invisalign® for teens. Our team can help verify your Cigna orthodontic benefits and create a payment plan that fits your budget.
Retainers After Braces for Kids with Cigna Dental
Many parents wonder if retainers are covered by their dental insurance after their child completes orthodontic treatment. Cigna dental plans may cover part of your child’s retainers depending on your specific plan and coverage details.
Retainers are an essential part of maintaining the results achieved through orthodontic treatment. After braces are removed, teeth naturally tend to shift back toward their original positions. Properly wearing retainers as directed by Dr. T.C. Hardy helps preserve your child’s beautiful new smile.
The coverage for retainers varies widely between different Cigna plans. We recommend calling our office at (720) 764-6158 to verify your specific coverage details before beginning orthodontic treatment.
Why Choose Hardy Pediatric Dentistry & Orthodontics for Your Child’s Dental Care
When you choose Hardy Pediatric Dentistry & Orthodontics for your child’s dental care, you’re selecting a practice dedicated to providing specialized care specifically designed for young patients. Here’s what makes our Erie, CO practice stand out:
- Board-Certified Specialists: Both Dr. Namrata Hardy (pediatric dentist) and Dr. T.C. Hardy (orthodontist) have completed advanced specialty training beyond dental school.
- Laser Dentistry: We offer drill-free, shot-free cavity treatment with laser technology in 99% of cases.
- Child-Friendly Approach: Our entire team is trained to make dental visits positive and comfortable for children of all ages.
- Advanced Technology: We utilize iTero scanning, digital x-rays, 3D printing, and more to provide precise, efficient care.
- Comprehensive Care: From infant exams to teen orthodontics, we provide all the dental services your child needs under one roof.
Our office proudly accepts all Cigna Dental PPO plans and works with families to maximize their insurance benefits.
Frequently Asked Questions About Cigna Dental Coverage for Kids
How do I know if Hardy Pediatric Dentistry & Orthodontics accepts my specific Cigna plan?
Hardy Pediatric Dentistry & Orthodontics accepts all Cigna Dental PPO plans. However, coverage details vary between different Cigna plans. To verify your specific coverage, we recommend calling our office at (720) 764-6158 before your child’s appointment. Our friendly staff can check your benefits and explain what services are covered under your particular plan. We’ll help you understand any potential out-of-pocket costs so there are no surprises.
Does Cigna Dental cover sedation dentistry for anxious children?
Coverage for sedation dentistry varies by specific Cigna plan and is typically determined by medical necessity. For children with severe dental anxiety, special needs, or extensive treatment needs, Cigna may provide partial coverage for sedation services. Dr. Nam offers various levels of sedation to ensure comfortable treatment for anxious children. Our team will work with you to determine if sedation is appropriate for your child and check with Cigna regarding coverage. Some plans may require pre-authorization, so it’s best to discuss this with our office well before your child’s scheduled procedure.
How often will Cigna cover dental cleanings and checkups for my child?
Most Cigna Dental plans cover two preventive visits (cleaning and exam) per year at 100% with no waiting period. For children under 14, these visits are typically covered once every 6 months. Regular preventive care is crucial for maintaining your child’s oral health and preventing more serious dental issues. Dr. Nam recommends following the American Academy of Pediatric Dentistry guidelines of dental checkups every six months. These regular visits allow us to monitor your child’s dental development, provide professional cleanings, and address any concerns before they become major problems.
What if my child needs emergency dental treatment? Will Cigna cover it?
Cigna Dental plans typically provide coverage for emergency dental services, but the exact coverage depends on your specific plan. Emergency services like treatment for dental trauma, severe pain, or infection are usually covered similarly to other basic or major services, subject to your plan’s deductible and coinsurance requirements. If your child experiences a dental emergency, contact our office immediately at (720) 764-6158. We offer same-day emergency appointments whenever possible. Our team will verify your Cigna coverage for the necessary emergency treatment and explain any potential out-of-pocket costs.
If we’re switching to Cigna Dental insurance, is there a waiting period before my child can receive treatment?
Most Cigna Dental plans have no waiting period for preventive and diagnostic services, meaning your child can receive exams, cleanings, and x-rays immediately after your plan becomes active. However, basic restorative services like fillings typically have a 6-month waiting period, and major services like crowns or root canals may have a 12-month waiting period. Orthodontic treatment often has a 12-month waiting period as well. These waiting periods may be waived if you’re switching from another dental insurance plan with similar coverage. Our team can help you understand the specific waiting periods that apply to your Cigna plan when you call to schedule your child’s appointment.
Get Started with Cigna-Covered Pediatric Dental Care Today
At Hardy Pediatric Dentistry & Orthodontics, we’re committed to providing exceptional dental care for children while making the most of your Cigna Dental PPO benefits. Our experienced team will work with you to understand your coverage and create a treatment plan that fits your family’s needs and budget.
Don’t wait to start your child on the path to optimal oral health! Regular dental care beginning in early childhood sets the foundation for a lifetime of healthy smiles.
Ready to schedule your child’s appointment with Dr. Nam Hardy or have questions about your Cigna Dental coverage? We’re here to help!
📍 Visit Us: 3200 Village Vista Dr., Suite 110, Erie, CO 80516
📞 Call: (720) 764-6158
📩 Or Request an Appointment Online Today
DISCLAIMER: This information is subject to change by the insurance company. We provide this as an informal guide to help you determine which services at our office are covered by your insurance. For more detailed information, please visit the Cigna website or call the customer service number listed on your insurance ID card. Updated as of April 28, 2025. The above logo & trademarks are property of Cigna Dental.
