Exciting Update: Cigna Leases Its Dental PPO Network to Humana—Effective November 1, 2025
Attention Dental Providers:
Big news is unfolding this fall from Cigna! Beginning November 1, 2025, Cigna has entered into a third-party leasing agreement with Humana Dental PPO, extending to Humana Dental, FEDVIP PPO, and TeamCare members.
How This Arrangement Affects Your Practice
If you’re a Cigna PPO provider, here’s what you need to know:
– Gain Expansion Without Extra Contracts
All Humana Dental PPO members, including FEDVIP and TeamCare, will now be in-network with your practice via the Cigna Dental Shared Administration Network.
– Fee Schedule Guidelines
– If directly contracted with Humana, your Humana Dental fee schedule applies.
– If not directly contracted, you’ll likely be reimbursed following Cigna’s Dental Network Fee Schedule.
– If you’re in another network Humana accesses, yet another fee schedule may govern your reimbursement.
PPO Advisors–Styled Insights on Network Leasing
To help you navigate this development with clarity, here are three strategic considerations—crafted in the style of PPO Advisors:
👉 Map Your Contract Relationships Proactively
Create a clear participation map to understand exactly how you’re connected—whether directly or through leased networks—and pinpoint any overlaps or risks.
👉 Always Know Which Fee Schedule Takes Precedence
Insurance companies often default to the lowest available option when leasing networks. Make sure you know and assert which fee schedule is being used for each patient to safeguard your bottom line.
👉 Partner with Experts for Strategic Leverage
Outsourcing analysis and negotiation to advisors—whether internal or external—empowers you to optimize reimbursements, decline unfavorable leased arrangements, and reinforce contract terms that benefit your practice long-term.
Why It Matters
Expanded Access — Seamlessly accept Humana PPO, FEDVIP, and TeamCare members without juggling extra contracts.
Controlled Revenue — Stay alert to changes in fee schedules to protect your reimbursements.
Strategic Advantage — Network leasing often means reduced transparency and control—knowledge and negotiation are your best defenses.
Next Steps & Support
– Starting November 1, 2025, if you have questions about your participation status or reimbursement rates, call Humana Dental at 800-833-2223.
– For more details on Cigna’s Shared Administration Network—including provider support, billing logistics, and fee information—visit the “Dental Office Reference Guide” via the Cigna for Healthcare Professionals Portal at CignaforHCP.cigna.com (login required).
By Shelley DeGroff, Founder of PPO Advisors