Joshua
Visalia,#2UPDATE Employee
Fri, May 26, 2006
I would like to first point out that the product Dental Network Access (DNA) and Dental Network Solutions (DNS) are discount programs, and are NOT sold by CIGNA. 3rd Party companies, lets say a car insurance company, may choose to sell a discount dental plan to an individual (or likewise a website). The company selling the plan makes the rules, this would not be a CIGNA plan. The 3rd Party is merely "leasing" the CIGNA Dental network of dentists. This means the 3rd Party selling the DNA or DNS plan is the owner of the plan and are just using CIGNA dentist's (who do not work for CIGNA, but are merely contracted with CIGNA), rather than trying to setup their own network of dentists. Moreover as far as not being able to cancel your plan during the middle of the year you probably did not check into any type of "laws" or "regulations" regarding this type of situation. Have you ever tried to cancel or change your dental "insurance" plan (not discount plan) during the middle of the year. Your employer will say no (with a few exceptions from "some" specific employers). You may want to post your complaint against the company you purchased the plan through and not CIGNA. I will remind you again, CIGNA is just providing the dentists and contract (the contract being the discounted rates), the company you purchased the plan through is the owner and we know this because the set the name of the product (i.e. it could be owned by Farmers Insurance and be named Dental Discount Plan (DDP) if they wanted too). You may find this product sold by: Consumerbenefits.net (www.consumerbenefits.net/dental-insurance-cigna.htm), Wright & Company (www.wrightandco.com/Plans/Dental/dentalnet.htm), or AHC (www.bestdiscountbenefits.com/AHCDescriptionsInfo.htm) This should prove to you that any company can sell this product and it should be considered more like a "franchise" company than a "corporation". Your complaint again, would be about the company you purchased the product from and not with CIGNA.