Dental Coverage
Keep Your Pearly Whites Bright with Dental CoverageDental Insurance Plans
Bloomin’ Brands offers two dental coverage options administered by Cigna: the DPPO and the DHMO. Review the plan information below to decide which coverage is best for you.
Key Differences Between the DPPO & DHMO
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| Coverage Feature | DPPO | DHMO |
|---|---|---|
| Deductible | A low deductible | No deductible |
| Out-of-Network Coverage | Covers out-of-network services | Does not cover out-of-network services |
| Copays | You pay a percentage of the cost for basic and major care | You pay a fixed copay for basic and major care |
| Benefit Maximum | Annual benefit maximum | No annual benefit maximum |
| Preventative Care | Preventive care covered 100% in Cigna network | Preventive care covered 100% in Cigna network |
| What You Pay | Higher paycheck contributions | Lower paycheck contributions |
| Your Provider | Designated primary dentist is not required | You must select a primary dentist to coordinate benefits |
Plan Comparison & Rates
For a detailed list of services and charges under the Cigna dental insurance plans, refer to the Patient Charge Schedule.
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| Coverage Feature | DPPO In Network | DPPO Out of Network | DHMO |
|---|---|---|---|
| Deductible per calendar year | |||
| Per individual | $50 | $100 | $0 |
| Family maximum | $150 | $300 | $0 |
| Preventive care (exams, cleanings) | Plan pays 100% | Plan pays 80% of MRC* | Plan pays 100% |
| Basic care (fillings, extractions, root canals, and denture repairs) | Plan pays 80% after deductible | Plan pays 50% of MRC* after deductible | Refer to your Patient Charge Schedule for costs and covered services |
| Major care (bridges, crowns, dentures) | Plan pays 50% after deductible | Plan pays 40% of MRC* after deductible | Refer to your Patient Charge Schedule for costs and covered services |
| Benefit maximum per calendar year | $1,500 per person** (combined in- and out-of-network coverage) | No benefit maximum | |
| Orthodontia (available for dependent children under age 19) | Plan pays 50% (no deductible required) | Refer to your Patient Charge Schedule for costs and covered services | |
| Lifetime maximum orthodontia benefit maximum | $1,000 per person (combined in- and out-of-network coverage) | No benefit maximum | |
| Coverage for pediatric dentist | No age limit | Eligible until age 13 |
*Cigna’s Maximum Reimbursable Charge (MRC) is based on the 90th percentile, which means that 9 out of 10 dentists’ fees (for the same service in the same geographical area) are within Cigna’s MRC. If your provider charges more than Cigna’s MRC, you are responsible for paying the difference.
**If you were enrolled in the Bloomin’ Brands DPPO dental plan and received preventive care in a prior year, your annual maximum benefit will increase to $1,750 for the following year. Each of your covered dependents must also obtain preventive care to receive an increase in their own annual maximum benefit. When you or your dependents remain enrolled in the DPPO dental plan and continue to receive preventive care, the annual maximum benefit will continue to increase the following year, up to a maximum of $2,000.
The Cigna Dental Oral Health Integration Program offers additional dental care for employees who are being treated by a physician for certain illnesses and are enrolled in either of BBI’s Dental plans (DPPO or DHMO).
Biweekly Rates
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| 2023-2024 | DPPO | DHMO |
|---|---|---|
| Team Member only | $12.91 | $6.84 |
| Team Member and spouse | $27.11 | $12.39 |
| Team Member and child(ren) | $23.21 | $18.77 |
| Team Member and spouse and child(ren) | $37.45 | $25.98 |
Once you’ve enrolled in a dental plan, you’ll want to register for myCigna so that you can access your plan details, manage claims, and review treatment estimates.
Get the myCigna App
The myCigna app is available for Apple and Android devices. With the app, you can:
- View digital ID cards for you and your enrolled dependents.
- Find a dental provider in the Cigna network.
- Find out if you’ve met your deductible.
- Determine how much of your dental benefits you have used for the current plan year.
Helpful Resources
