Frequently Asked Questions |
Dental Questions
Vision Questions
Q: How long has CIGNA been in business? |
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A:
CIGNA has been providing a highly credentialed and quality network nationwide since for over 40 years.
They are one of the largest healthcare companies in the world.
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Q: What is the DentAfford Card? |
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A:
The DentAfford Card is a wholly owned subsidiary of
National Benefit Builders Inc. It currently markets two networks to the public,
CIGNA Dental Network AccessSM and the Coast to Coast Vision networks.
Both these networks are among the most respected in America.
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Q: Who is included under a household plan? |
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| A: All members of the household are included regardless of age. |
Q: Is this an insurance plan? |
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| A: No, The DentAfford card is a reduced fee for service program, it is not insurance. |
Q: Can I nominate my dentists if they are not now in the network? |
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| A: Yes, If your dentist is not in any of our networks, we will make every effort to solicit their membership. |
Q: What If I Want To Change my Dentist? |
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| A:
Members may change dentists at any time without notice to CIGNA Dental Network AccessSM. You should check our web site or call our customer service center to make sure that the dentist you have chosen is still in the network. |
Q: Can I just use the plan for orthodontia services? |
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| A: Yes, The savings realized on orthodontia service are the reason many members purchase the DentAfford card. |
Q: Are there any limits on the type of services included? |
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| A: No, There are no limits whatsoever, except work in progress. You can go to the dentist as often as you like and get whatever services you need at discounted prices. |
Q: Why do dentists join the Plan? |
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| A: The dentists who join the Plan are interested in the opportunity to grow their patient base. They want to develop a long-term relationships with their patients and are committed to offering affordable dental care. |
Q: How long before my dental plan is activated? |
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| A: You can start using your dental plan as soon as you receive your ID card(s) and fulfillment package. You should receive your fulfillment package and ID card(s) within 5 to 10 days. |
Q: Is this Coast to Coast (CTC) discount plan insurance? |
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| A: No, Coast to Coast (CTC) is a reduced fee eyewear and eye care program. There are no claim forms or reimbursement procedures. The participating retail optical locations will give you the discount at the time of the purchase. |
Q: Can I use CTC if I already have vision insurance? |
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| A: Yes, in most cases CTC can be utilized to eliminate or reduce the deductible and to buy additional pairs of glasses or contacts once the insurance benefit has been exhausted. |
Q: How many times can I use my CTC membership? |
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| A: There is no limit on the number of times you and your family can take advantage of the savings provided by CTC throughout the year. |
Q: Does the CTC discount plan cover my family? |
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| A: The Family plan covers you and all members of your household. |
Q: What is covered with CTC membership? |
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| A: Prescription glasses, prescription sunglasses, and contact lenses are discounted 20% - 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available. |
Q: Why does the savings vary from 20%-60%? |
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A:
Many variables go into the calculation of the discount such as market demographics, location, hours of operation, one-hour service capability and level of retail mark-up.
Example - a chain provider in a major metropolitan mall, open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an independent practitioner in a rural community. However, members will pay almost exactly the same price for the exact same materials regardless of where the purchase is made. Only the percentage of discount off retail will vary.
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Q: Is the discount the same at different locations? |
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| A: The discounted price for the exact same pair of glasses at any of our locations should vary only slightly. The discounted Coast to Coast price should be very close to the same at each location. |
Q: Can I go to any place that sells glasses to get
the vision plan discount? |
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| A: No, you must go to a retail optical locations that is contracted with Coast to Coast Vision to get your discount. Our providers include national, regional and local chains as well as thousands of independent professionals. Members can call our toll free number 24 hours a day, seven days a week, to access the names of participating providers nearest them or can check on this web site. |
Q: Is the eye exam discounted? |
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| A: Yes, at approximately 4000 of our 10,000 locations nationwide. Our member service representatives can tell you which locations discount eye exams in your area. |
Q: How do I receive the discount at the vision center? |
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| A: All you need to do to receive your discount is show the provider your membership card and tell them you are with Coast to Coast Vision. It is very important that you mention Coast to Coast Vision Plan to ensure a discount at the time of purchase. |
Q: Do I get the discount if the store is running a sale? |
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| A: The location will not combine our contracted discount with the sale price. However, in most cases, the Coast to Coast price will be better than the sale price. |
Q: Do the retail locations mark up the merchandise to give me the discount? |
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| A: No, you receive the discount because CTC brings the buying power of over 8 million members to the optical retailers participating with us. |
Q: How do I get my eye doctor or optician on the Coast to Coast plan? |
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| A: If you wish to refer your doctor to the Coast to Coast Plan, just give us their name, address and phone number and CTC will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your discount on glasses or contact lenses. |
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