2026 Cigna Dental Plan SPD – Low Option

Covered Dental Service The term Covered Dental Service means a dental service used to treat a Covered Person’s dental condition and which is: • prescribed or performed by a Dentist while the insurance provided under this Certificate is in effect; • Medically Necessary and/or Dentally Necessary to treat the Covered Person’s condition; and • described in this Certificate.

reason of intellectual or physical disabilities. Proof of the child's condition and dependence may be required to be submitted to Us within 31 days after the date the child ceases to qualify above. The term child means a child born to You or a child legally adopted by You. It also includes a stepchild, a foster child, a child for whom You are the legal guardian or a child supported pursuant to a court order imposed on You (including a Qualified Medical Child Support Order). Benefits for a Dependent child will continue until the last day of the calendar month in which the limiting age is reached. Anyone who is eligible as an Employee will not be considered as a Dependent. No one may be considered as a Dependent of more than one Employee.

HCDFB-DFS410

06-21

Covered Person The term Covered Person means a person who is insured for dental coverage under the terms of the Policy and this Certificate.

HCDFB-DFS411

01-18

HCDFB-DFS415

06-21

Deductible The term Deductible means expenses to be paid by You or Your Dependents before benefits are paid under the Policy.

Effective Date The term Effective Date means the date that coverage for insurance begins under the Policy. See the Certificate cover page for the Effective Date.

HCDFB-DFS412

01-18

HCDFB-DFS420

01-18

Dentist The term Dentist means a person practicing dentistry or oral surgery within the scope of the person’s license. It will also include a provider operating within the scope of the provider’s license when performing any of the Covered Dental Services described in the Policy.

Eligibility Waiting Period The term Eligibility Waiting Period means the period of time that an Employee must be in an Eligible Class in order to be eligible for coverage under the Policy.

HCDFB-DFS414

06-21

HCDFB-DFS421

06-21

Dependent The term Dependent means: • Your lawful Spouse; and • any child of Yours who is: • less than 26 years old.

Eligible Class The term Eligible Class means a group of people who are eligible to enroll for insurance coverage under the Policy as determined by the Employer.

HCDFB-DFS422

06-21

• 26 or more years old, unmarried, and primarily supported by You and incapable of self-sustaining employment by

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