Dental

Kirksville R-III School District offers you a PPO dental plan through CIGNA that gives you the freedom to choose any dentist when you need care. Participating dentists file claims directly with and accept reimbursement as payment in full. You are only responsible for your deductible and coinsurance, as well as any charge for non-covered services up to approved amounts.

If you choose to see a non-participating dentist, you may incur additional out-of-pocket expenses and will be billed the total amount the dentist charges (called balance-billing).

Out-of-Network benefits are calculated by applying a 90th percentile (reasonable and customary) coinsurance to the dentist’s charges. When you see an in-network PPO dentist, you are protected from balance-billing.

You can locate in-network dentists by visiting the CIGNA website and click on the blue bar that says “find a provider, dentist or facility.