Cigna UK HealthCare Benefits (Cigna) has launched an optional, customised extension of cover for its dental plans, which allows customers to add family members – including parents, parents-in-law and older children – to their corporate dental plan.
This new option meets the needs of customers who are considered part of the ‘Sandwich Generation’. That is, people who find themselves responsible for the care of and providing healthcare cover for members of their extended families.
Sometimes, such people can be in the difficult position of having to choose between supporting their own children and providing much-needed care for their aging parents, Cigna says.
The new dental family care service offers customers the option of selecting the level of cover best suited for themselves, and their unique family situation and needs. The level of dentist charges covered can be tailored to individuals on a customer’s plan. For example, the level of cover a customer chooses for him or herself may be different from the level of cover the individual chooses for parents, parents-in-law and/or older children. The single rate (not the family member rate) applies per relative, making this a truly tailored, competitive and comprehensive option, Cigna says.
Family dental cover is available for small-large sized clients, on a company paid or flex salary sacrifice basis, and on all levels of cover within both of Cigna’s DentaCare and OralHealth dental plans. Customers benefit from having immediate access to Cigna’s comprehensive benefits, without the need to be underwritten.
What They Say
Phil Austin, Cigna UK HealthCare Benefits managing director said: "These responsibilities [looking after the extended family] can cause financial strain and stress for the caregiver, which can have performance and productivity implications in the workplace. For this reason, it’s important that employers offer services that can positively impact employee productivity and an employer’s bottom line.
"Good company practices which support caregivers can help employers retain qualified and valued employees. Providing expanded benefits as part of the employee benefits package is one measure that many employers are beginning to implement. Our dental family cover option has been specifically designed for this; it’s another way that Cigna is advancing its mission of helping people improve their health, wellbeing and sense of security."
What We Say
"Traditionally, health insurances (including dental benefits) cover just an individual and their immediate family. However, many people may want to or have to go beyond that, which usually means having to arrange separate cover(s).
"Cigna’s new option simply allows such wider family responsibilities to be incorporated within the individual’s own plan. Simple, quick, easy and value for money – it’s a trend we’d like to see others follow too (albeit some do already)."