Cigna Dental Insurance Review

Table of Contents

Published: 7/18/2022

Best Reputation and Reliability

Cigna is a mainstay in the insurance industry and has a great reputation for providing dependable customer service. Much of this is owed to Cigna’s strong financial stability as it displays the company’s responsible approach to its insurance products. Cigna is one of the oldest insurance companies in the United States.

Pros and Cons of Cigna’s Dental Insurance

Pros

Cons

Excellent company reputation
Great customer service
Affordable coverage
Expanded benefits offer savings on prescriptions, dental procedures and preventative care

Limited plan variety
Some savings options aren’t available in multiple states
Getting quotes can be confusing and are only available through Cigna’s site

Overview of Cigna’s Dental Insurance

Cigna has been in the insurance business since 1792 and offers health, life and dental coverage. It offers three dental plans, and you have the opportunity to enroll in savings programs that can lower dental care costs for you and your family. These savings programs aren’t available in Alaska, California, Montana, North Dakota, Oklahoma, Rhode Island, South Dakota, Utah, Vermont and Washington.

Company

Overall Score (1-5 Scale)

Company Reputation and Reliability

Plan Variety

PPO Coverage Limitations

PPO Costs

Dental Insurance Alternatives

Cigna

4.1

How Much Does Cigna’s Dental Insurance Cost?

While individual rates may vary, seniors can get coverage for as little as $19 per month. Seniors looking to include coverage for orthodontic care, restorative dentistry and other non-preventative procedures could pay up to $39 per month. All three plans have no deductible for preventative care such as routine exams, cleanings and diagnostics.

If you’re also looking for vision care, you can bundle both types of insurance for between $35 and $62 per month, depending on the coverage you need and your desired deductible.

Eligibility, Plan Details and Other Information

Cigna offers three dental plans and three dental and vision bundles. Seniors can also enroll in a dental savings program if they live in a qualifying state.

Cigna Dental Preventative

This base plan has no individual or family deductibles and starts as low as $19 per month. It covers preventative care only and is best for people who don’t intend to use insurance for restorative or orthodontic care.

Cigna Dental 1000

For an average monthly premium of $33 per month, you get free preventative care and coverage for up to $1,000 of restorative procedures each calendar year. Deductibles are reasonable at $50 per individual or $150 for your family. Cigna Dental 1000 doesn’t cover orthodontic care.

Cigna Dental 1500

The Cigna Dental 1500 plan covers up to $1,500 in restorative procedures each year and $1,000 in orthodontic care. The deductibles are $50 for an individual and $150 for families. It costs an average of $39 per month.

Cigna Dental Vision 1000

The Cigna Dental Vision 1000 plan includes up to $150 of coverage for contact lenses and eyewear and a copayment for vision exams. Individuals also get up to $1,000 of coverage each for restorative dental care. The plan doesn’t include orthodontic care. The bundle costs around $32 per month.

Cigna Dental Vision Hearing 2000

For about $51 per month, you’re covered for up to $1,500 in restorative dental care and $850 in vision and hearing care each year. Vision exams have a copayment, and your individual deductible is $100.

Cigna Dental Vision Hearing 3500

For $62 per month, individuals get coverage for up to $2,500 of restorative dental work each year and a lifetime allowance of $2,000 for dental implants. The plan includes up to $1,150 of vision and hearing care and the individual deductible is just $100.

Eligibility

Cigna Dental offers plans to anyone in the United States, but there are limitations on dental savings plans. If you live in an eligible state, you can enroll in a dental savings plan that reduces the cost of procedures such as tooth extractions, root canals, crowns, veneers and implants.

Who Should Consider Cigna’s Dental Insurance?

Seniors Who Need Preventative Care

Cigna plans have no deductibles or co-pays for preventative care. Procedures such as checkups, X-rays and tooth cleanings are all covered. For individuals who see their dentist twice a year for preventative care, these Cigna plan savings can pay for themselves.

Seniors Who Need Vision and Hearing Care

Cigna allows individuals to bundle dental care with vision and hearing to purchase a single plan for all three needs. This option is convenient for those anticipating vision and hearing coverage who want reliable dental insurance.

People Who Need Restorative Care

With plans that offer up to $2,500 of coverage for tooth restoration, Cigna’s dental plans are great if you anticipate the need for a root canal, tooth extraction, dentures, crowns or veneers. They also offer limited coverage for dental implants.

What Are People Saying About Cigna’s Dental Insurance?

Customers like that Cigna negotiates rates with dentists in its network to lower costs after exceeding coverage limits. They also cite Cigna’s solid reputation and customer service. Many reviewers feel that the free preventative care is a great value, and the savings for routine office visits and discounts on restorative care justify the monthly premiums. The ability to bundle plans that include vision or hearing services is also popular.

The downside to Cigna’s Dental plans is that it’s difficult or confusing to get a quote, and you can’t obtain a plan through a broker. There’s also a limited number of plans to choose from.

Frequently Asked Questions

Does Medicare Cover Dental Work?

Medicare offers very limited coverage for dental care and doesn’t often cover restorative procedures such as fillings and root canals.