Orthodontics Questions

Please review your plan documents for full details, including exclusions, limitations and state mandates that might affect your benefits.
Please be aware Deductibles and Maximums apply to both the In-Network and Out-of-Network Benefits.
Deductibles In-Network Out-of-Network
Individual Calendar Year Deductible
Basic & Major Restorative, Orthodontic
$50.00 $50.00
Family Calendar Year Deductible
Basic & Major Restorative, Orthodontic
$150.00 $150.00
Maximums In-Network Out-of-Network
Individual Calendar Year Maximum
Diagnostic & Preventive, Basic & Major Restorative
$1,000.00 $1,000.00
Individual Lifetime Maximum
Orthodontic
$1,000.00 $1,000.00
Member’s Coinsurance Percents In-Network Out-of-Network
Reimbursement: Fee Schedule Reasonable and Customary
Basic Restorative 20 % 20 %
Diagnostic & Preventive 0 % * 0 % *
Major Restorative 50 % 50 %
Orthodontic 50 % 50 %
* Fields that display zero as the Member’s Coinsurance Percent indicate that CIGNA covers this service at 100%.
Frequency and Age Limitations
Specific Coverage Information In-Network Out-Of-Network
Dependent Age Limitation 19 19
Student Age Limitation 25 25
Date Coverage Ends Birth Month Birth Month
Procedure In-Network
Frequency/ Age Limit Out-of-Network
Frequency/ Age Limit
Oral Exam Twice per Calendar Year Twice per Calendar Year
Full Mouth X-Rays Once per 36 Consecutive Months Once per 36 Consecutive Months
Adult Cleaning Twice per Calendar Year Twice per Calendar Year
Child Fluoride Once per Calendar Year /
Under Age 19 Once per Calendar Year /
Under Age 19
Topical Sealant Application Once per 36 Consecutive Months /
Under Age 14 Once per 36 Consecutive Months /
Under Age 14
Crown Once per 60 Consecutive Months Once per 60 Consecutive Months
Bridge Work Once per 60 Consecutive Months Once per 60 Consecutive Months
Orthodontics Coverage for Dependent Children Coverage for Dependent Children
Now my question is….see where it says “frequency and age limitations”? where it says something about being 25? I turned 25 on september 2nd, can I not use this insurance anymore for myself, its dental insurance through my employer so it wasnt explained very well, or can I use it maybe until right before I turn 26, meaning can I use it while I’m 25 or did it end as soon as I turned 25?