Cigna’s dental plans (available with or without a Cigna medical plan) deliver 100 percent coverage for a dental exam once every six months, and you won’t have to worry about deductibles or copays for cleanings, oral exams, and routine x-rays.
Their dental plans provide access to a network consisting of more than 92,700+ dentists in over 309,000 locations, and the Brighter Score© feature on their website allows you to “compare dentists and specialist scores for affordability, professional history, costs and ratings for different procedures, and patient experiences.”
Together with 24/7/365 customer service, more than 18+ million customers choose Cigna dental plans.
Should you join as well? Let’s start by taking a look at the company’s offerings.
Which Dental Plans Does Cigna Offer?
Cigna offers a total of three dental plans:
Cigna Dental 1500
Cigna’s Dental 1500 Preferred Provider Organization (DPPO) plan offers the most coverage for check-ups, cavities, gum disease, and major dental work, as well as braces and other orthodontia. There’s a six-month waiting period for restorative care, which they waive if you “had a qualified dental insurance plan in place for at least 12 consecutive months before you joined Cigna.”
You can see any dentist while enrolled in the 1500 dental plan, although you’ll pay less when seeing a Cigna DPPO Network Advantage dentist. You can search for in-network dentists on the Cigna website.
Cigna Dental 1000
Cigna’s Dental 1500 plan focuses on affordability while balancing coverage for preventative dental care, including cavities, gum disease, and major dental work. You won’t pay any out-of-pocket costs when visiting a Cigna Dental Preferred Provider Organization (DPPO) Advantage provider for annual exams, routine x-rays, and cleanings.
Like the 1500 plan, Cigna waives the restorative care waiting period if you had a qualified dental insurance plan in place for at least 12 consecutive months before joining. Otherwise, you’ll have to wait six months for basic restorative services coverage and 12 months for major restorative services.
You can also see any dentist, although you’ll pay less when choosing an in-network provider.
Cigna Dental Preventive
Cigna’s Preventive dental plan covers one dental exam every six months, including cleanings, oral exams, and routine x-rays. There are no deductibles or copays.
With all of these details in mind, here’s a quick table outlining the differences between each of Cigna’s dental plans:
| Plan | Preventive | Restorative | Deductible | Orthodontia |
| Cigna Dental 1500 | $0 in-network, no deductible | Up to $1,500 per year, after deductible and coinsurance | Individual: $50
Family: $150 |
up to $1,000
lifetime limit, separate deductible, coinsurance |
| Cigna Dental 1000 | $0 in-network, no deductible | Up to $1,000
per year, after deductible and coinsurance |
Individual: $50
Family: $150 |
Not covered (in-network discounts available) |
| Cigna Dental Preventive | $0 in-network, no deductible | Not covered | Individual: None
Family: None |
Not covered |
How Much Do Cigna’s Dental Plans Cost?
Cigna Dental 1500
The Cigna website advertises the average monthly rate for their 1500 plan is $39 per person, per month. You’ll also have the following deductibles and maximums:
| Benefit | DPPO Advantage Network | Out-of-network |
| Individual Calendar Year Deductible | $50 per person (waived for preventive services) | $50 per person (waived for preventive services) |
| Family Calendar Year Deductible | $150 per family (waived for preventive services) | $150 per family (waived for preventive services) |
| Calendar Year Benefit Maximum
(For Class I, II, and III services) |
$1,500 per person | $1,500 per person |
| Lifetime Orthodontia Deductible | $50 per person | $50 per person |
| Lifetime Orthodontia Maximum | $1,000 per person | $1,000 per person |
Cigna Dental 1000
On average, Cigna customers pay $33 per person, per month for their Dental 1000 plan. You’ll also have the following deductibles and maximums:
| Benefit | DPPO Advantage Network | Out-of-network |
| Individual Calendar Year Deductible | $50 per person (waived for preventive services2) | $50 per person (waived for preventive services2) |
| Family Calendar Year Deductible | $150 per family (waived for preventive services2) | $150 per family (waived for preventive services2) |
| Calendar Year Benefit Maximum
(For Class I, II, and III services) |
$1,000 per person | $1,000 per person |
| Lifetime Orthodontia Deductible | Not covered | Not covered |
Cigna Dental Preventive
When it comes to Cigna’s Preventive plan, you’ll pay an average of $19 per person, per month. There are no deductibles or copays for covered services.
Need More Information About Cigna’s Dental Plans?
Do you have additional questions about dental care through Cigna? The friendly staff at IHS Insurance Group are standing by with answers!
Need a FREE Quote or have questions regarding Dental Insurance Coverage? We have three convenient ways to reach us:
- If you prefer to talk to a licensed agent directly, please call (866) 480-5063.
- If you prefer to fill out a quick form and have an agent get back to you at your convenience, use the GET A FREE QUOTE.
- Lastly, for those that want an immediate quote, please click HERE.
We look forward to speaking with you today!
