Dental insurance

Western Union offers three dental plans that help you pay for preventive, basic, and major care. Some plans offer orthodontia benefits, too. Cigna administers each plan.

Which plan is right for you?

Our dental plans vary by provider choice, how much you pay each paycheck, and what you pay when you get care.

Dental PlanDescription
Enhanced Dental• A traditional dental plan with a deductible and maximum calendar year benefit
• Orthodontia coverage for children
• Highest paycheck cost
• Flexibility—you pay less when you use dentists in the Cigna network
Basic Plus• A traditional dental plan with a deductible and maximum calendar year benefit
• No orthodontia coverage
• Moderate paycheck cost
• Flexibility—you pay less when you use dentists in the Cigna network
Dental HMO (DHMO)• A traditional dental plan with a deductible and maximum calendar year benefit
• No orthodontia coverage
• Moderate paycheck cost
• Flexibility—you pay less when you use dentists in the Cigna network

Use your dental benefits wisely
Here are tips to help you become a better dental care consumer:

  • Go in-network for care and save money by using Cigna dentists.
  • Compare costs and quality rankings in your area before you get care by visiting myCigna.com or by using the myCigna Mobile App to find the best care in your area.
  • Practice preventive care – your Western Union dental plans cover in-network preventive care, like annual checkups, for FREE.

Compare your dental plan options

 EnhancedBasic PlusDHMO
What the Plans Pay (In-Network/Out-of- Network)
Annual Deductible (individual)$50 / $50$50 / $50N/A
Annual Deductible (family)$150 / $150$150 / $150N/A
Calendar Year Maximum$2,000 (in-network and out-of-network)$1,000 (in-network and out-of-network)See Benefit Schedule
Preventive Services100%100%See Benefit Schedule
Basic Services80%70%See Benefit Schedule
Major Services50%50%See Benefit Schedule
Orthodontia Services (for children only)50%, up to a $1,500 lifetime maximum per childNASee Benefit Schedule

Find a network dentist
Using Cigna participating dentists will save you money. Visit cigna.com and select “Find a Doctor, Dentist, or Facility” in the upper right portion of the screen. Then, select “Employer or School” to answer the question “How are you covered?” and complete your search by changing location if necessary and choosing how you want to search.

Remember! Under the DHMO, you choose a primary care dentist from Cigna’s network. Before enrolling in this plan, check to see if your dentist is in it. If you receive care from an out-of-network dentist, you pay the entire cost.