Lowe's provides a comprehensive Dental Plan (the Dental Plan Option) for its regular full-time employees and their dependents. This is a dental PPO-type plan (DPPO), meaning that you can visit any licensed dentist or licensed dental specialist you choose. And now, the CIGNA's DPPO network has a new name: the CIGNA Dental Core Network. Lowe's and its employees share in the cost of the Dental Plan Option.
Here's how to get the most out of your dental care dollars:
- Make your next appointment with a dentist or dental specialist in the CIGNA Core network. Visiting a CIGNA Core network dentist can help save you money as a result of the discounts CIGNA has negotiated with network dentists. In addition, Core network dentists will file your claims for you. You can locate a Core network dentist near you, by visiting cigna.com, mycigna.com, or calling 1-800-CIGNA-24 (1-800-244-6224).
- Visit your dentist regularly for preventive exams. Regular examinations and cleanings can help you save money now and can prevent costly services in the future. In fact, the American Dental Hygienists' Association says that $1 spent on preventive dental care today can save $8 to $50 in future dental treatment costs (www.adha.org). And with your dental coverage, you'll find that most preventive services are available at low or no cost.
- There's another reason to visit your dentist regularly: the CIGNA WellnessPlusSM feature is part of your Dental Plan. With this feature, preventive care received in one plan year means your annual dollar maximum will increase in the following plan year (up to the level specified in your plan documents), allowing you to build your annual dollar maximum for future services you may need.
The Lowe's Dental Plan Option is self-funded. This means that while CIGNA processes your claims and determines benefits, Lowe's pays the covered expenses directly. You can help control costs and limit future contribution increases through conscientious use of your Dental Plan coverage and by following the suggestions above.
This Dental Plan Option description has been prepared to provide an explanation of your Dental Plan Option coverage. If you have questions regarding your coverage under the Dental Plan Option, call CIGNA toll-free at 1.800.CIGNA24 (1-800-244-6224). If you are unable to get answers to your questions, please contact HR Shared Services at 1-888-474-6365.
Please take the time to review this material carefully. Key terms used in this text are specifically defined at the back of this section. Once you and your family are familiar with the benefit provisions, keep this book handy for future use.