When you’re researching digital x-rays covered by Cigna, you want clarity on what types of imaging your plan includes and how often you can get them without out-of-pocket costs. Digital dental radiography uses electronic sensors instead of film, capturing high-resolution images that your dentist reviews on a computer. This technology delivers sharper images, faster results, and up to 80% less radiation exposure compared to traditional film x-rays.
Digital x-rays, also known as digital radiographs, convert x-ray photons into electronic signals. A sensor placed inside or outside your mouth captures the image, then software processes it instantly. Common types include:
Digital technology brings several patient advantages:
Digital x-ray systems also streamline recordkeeping, reducing lost films and manual handling. Furthermore, electronic images support more accurate treatment planning and patient education.
Each method offers distinct pros and cons in comfort, resolution, and cost. Your dentist will recommend the best option based on diagnostic needs.
Cigna’s dental plans classify x-rays under preventive or diagnostic services. Preventive imaging—such as bitewings taken during a routine checkup—is usually covered at 100% when you see an in-network provider. Diagnostic x-rays, ordered to investigate pain or follow up on treatment, may carry coinsurance or require a deductible.
Preventive digital x-rays are part of routine care and typically include:
Diagnostic imaging covers:
While preventive services aim to catch problems early, diagnostic services target specific concerns. Note that diagnostic x-rays often count toward your annual maximum or deductible.
Under a Cigna Dental PPO plan, coverage generally follows this structure:
| Service type | Coverage level | Notes |
|---|---|---|
| Preventive services | 100% | No deductible |
| Basic diagnostic | 80% after deductible | Includes periapical x-rays |
| Major services | 50% after deductible | N/A |
| Annual maximum | $1,000–$2,000 per year | Varies by plan |
| Deductible | $50–$100 individual | Applies to basic and major services only |
Preventive digital radiography is exempt from the deductible, so bitewings taken during your twice-yearly checkup are fully covered when you choose an in-network dentist.
Cigna Dental HMO (DHMO) plans feature set copays rather than coinsurance:
With a DHMO, there is no annual maximum, but you must see a network provider and select a primary dentist. Copays vary slightly by your local plan.
While Cigna’s PPO and HMO offerings provide robust digital x-ray benefits, your coverage may differ if you rely on Medicaid, Medicare Advantage, or employer-sponsored plans.
In North Carolina, Medicaid covers dental services for individuals under age 21, including preventive and diagnostic x-rays. Coverage details:
Because adult Medicaid dental benefits vary by state, verify your plan’s scope and provider network before scheduling.
Original Medicare does not cover routine dental care, but many Medicare Advantage plans offer optional dental riders. If you enroll in a Cigna Medicare Advantage plan with dental coverage, you may receive:
Plan specifics vary widely. Review your Summary of Benefits to confirm how digital x-ray imaging is treated under your Advantage plan.
Group dental plans through your employer often mirror PPO designs:
Your HR department can share your plan’s Evidence of Coverage, detailing digital imaging allowances and any waiting periods.
If you’re weighing Cigna against other major dental insurers, note these resources:
This comparison will help you select the plan that best fits your family’s preventive and diagnostic needs.
Before you schedule digital imaging, confirm your benefits to avoid surprise bills. Follow these steps to make sure you’re fully covered.
Using an in-network dentist is the easiest way to secure full coverage for preventive x-rays. To locate a Cigna-approved dentist:
Staying in-network keeps your copays and deductibles at the lowest possible level.
Some diagnostic x-rays require preauthorization under Cigna’s standard coverage policies (Cigna). To streamline claims:
Electronic claim submission can reduce errors and speed up reimbursement.
Pro tip: If you need extra images outside your preventive allotment, discuss payment plans or discounts with your dental office.
Out-of-network providers may accept your plan, but they can charge higher fees. You’ll often pay the difference between the dentist’s rate and Cigna’s allowed amount. To learn more about which offices accept coverage, see insurance accepted for dental x-rays.
Most Cigna plans cover bitewing x-rays every 12 to 24 months as part of preventive care. Your dentist may recommend a different schedule based on your oral health.
Diagnostic x-rays beyond routine preventive films may carry coinsurance after your deductible. Always confirm with your member services team if you expect specialty imaging for root canal work, implants, or surgical planning.
Understanding how Cigna handles digital dental imaging empowers you to schedule x-rays with confidence. By choosing an in-network provider, confirming preventive coverage, and preparing for any diagnostic needs, you can maximize benefits and minimize costs. Ready to book your next checkup and digital x-ray? Log in to your Cigna portal or call your dentist’s office today to take full advantage of your plan.
