It’s possible that dental insurance isn’t the first product that springs to mind when you think of USAA. In the end, dental insurance isn’t always a top priority for USAA, which is recognized for providing financial products and services targeted at veterans, active duty members, and their families.
But thankfully, USAA has teamed up with Cigna, one of the biggest health and dental insurance providers in the US, to provide a fantastic policy for people who need to take care of their teeth without going over budget. Now, why doesn’t USAA provide dental insurance of its own?
Rather, it determined that collaborating with a business that already has a strong grasp of the market and a vast nationwide network of dentists and dental clinics would be the best course of action.
For USAA members, who frequently relocate from one state to another because of their line of work, this is a major benefit. Accessing care from any location is made simpler by having a wide network.
How does USAA dental insurance work?
The procedure is fairly easy for people who are thinking about getting dental insurance. After contacting Cigna via the internet or USAA channels, you select the plan that best suits your needs.
Cigna offers a variety of flexible plans, from the most basic, which include examinations and cleanings, to more extensive alternatives for people in need of root canal therapy, dentures, and even orthodontics.
For a more practical example, consider that you only visit the dentist for checkups since you take good care of your teeth.
The basic plan, which includes one cleaning and examination annually, is sufficient to maintain the health of your teeth and prevent serious issues.
However, if you have kids, this is when the more comprehensive plan comes in handy because your child will need to see the dentist more often and may require more involved procedures.
In any case, the three coverage tiers that form the foundation of all Cigna plans are:
- Preventive: Comprehensively covered examinations and cleanings are quite advantageous. Regular dental checkups are the greatest approach to avoid serious issues in the first place, even if you don’t think you need them.
- Basic: Obtain coverage for minor dental problems, like as caries. Here, a little portion of the expenses will be your responsibility. For those who are currently taking care of themselves and will rarely require further examinations, this is a sensible alternative.
- Root canal crowns: These are fairly complex treatments that are typically very costly, thus most people who are unable to pay out of pocket should avoid them.
Advantages of USAA Dental Insurance
Since your smile is an aspect of your general health and dental disease is a predictor of diabetes and heart disease, most individuals only consider visiting the dentist when they are experiencing pain.
Imagine walking into the office knowing that you would always have hassle-free, free access to cleanings and checkups on a regular basis.
Because we will be taking preventive action more frequently, this approach will alter the way we think about oral health and examinations.
This is particularly true for our kids since it instills in them the value of self-maintenance and self-care throughout their lives.
Ease of access and customer service
Cigna offers phone assistance as well as an online platform where you may schedule appointments and, frequently, verify whether operations will be covered.
You may easily visit a clinic practically anyplace in the nation if you travel regularly or are a frequent traveler (as many USAA members are).
Customer service is another area in which Cigna shines. They are always available to answer any queries you may have concerning coverage, reimbursements, or even their network of certified dentists.
USAA would be well advised to collaborate with a business that already dominates this sector. Cigna has a strong history of offering services that are transparent, efficient, and reasonably priced.
So is USAA dental insurance worth it for USAA members?
It’s safe to assume that getting dental coverage for your medical needs is worthwhile for families, veterans, and active military personnel. especially considering that having reasonably priced dental care like this helps protect your teeth from long-term harm.
Insurance can help you develop the habit of seeing the dentist, which can save you a lot of money in the future (not to mention the possible discomfort), especially if you don’t often go.
Even if you don’t now require dental care, the goal is to avoid long-term costs. Making sure you have the coverage you require when the time comes is always a good idea.
Similarly, Cigna has even better coverage alternatives if you want to safeguard the dental health of your entire family.
Both you and your children will benefit much from this, as youngsters and teenagers require frequent examinations and often require orthodontic treatment.
Since your insurance is always there for you, it lowers the overall cost of the procedure while still giving you access to a board-certified dentist and a trustworthy network of care providers.
Bottom line
How you intend to utilize your insurance will determine the USAA dental coverage you select. If your focus is only on preventative and basic maintenance, you only need a simpler strategy, which also happens to be less expensive.
It would be wise to acquire the greatest coverage, though, if you have a treatment you know you’ll need or if your family intends to take care of themselves more frequently.
Think about what your family would benefit from. You can learn more about how each approach applies to you and get answers to some frequently asked questions by speaking with a Cigna agent using the channels your USAA plan provides.
Keep in mind that maintaining your dental health has an impact on your overall well-being. Therefore, don’t overlook this and think about discussing USAA insurance for you and your whole family!
