Cigna HealthSpring Dental Insurance Review
Cigna offers flexible bundled dental, vision, and hearing coverage designed for individuals and families looking for preventive care and affordable protection.
At this time, the plan available through us are:
- Cigna Flexible Choice Dental, Vision, and Hearing Plus
Monthly premiums typically start around $34–$60 per month, depending on your age, ZIP code, and selected coverage level.
This bundled plan combines preventive dental care with vision and hearing benefits into one convenient monthly premium.
In this article, we’ll cover:
- Cigna bundled plan offering
- Coverage details and pricing
- Pros and cons
- How Cigna compares to Ameritas
- Which company may be the better fit for your needs
We’re here to help you make an informed decision, so let’s start with an overview of Cigna Flexible Choice Plus.
Cigna Bundled Plan: Dental + Vision + Hearing
Cigna’s bundled insurance plan combines dental, vision, and hearing coverage into one convenient package.
This comprehensive coverage includes preventive dental care, basic and major dental services, vision and hearing coverage, low-cost copays for preventive care, and no waiting periods.
This bundled plan offers simplified billing, one premium for multiple coverages, and potential savings. This is ideal for seniors, families, or those seeking all-in-one insurance solutions.
Pricing varies based on location, coverage level, and age.
Note: Prices may be lower for basic plan structure or higher for comprehensive plan features (lower deductibles and higher plan maximums).
Cigna’s bundled plan is available in many states.
Cigna HealthSpring Flexible Choice Plus
Let’s break down the Cigna plan currently available through our agency, including its coverage highlights, bundled benefits, and estimated pricing.
The Cigna Flexible Choice Dental, Vision, and Hearing Plus plan includes:
- Preventive dental coverage, vision, and hearing benefits are bundled into one plan
- Average premium starting around $34-$60/month
The Cigna Flexible Choice Dental, Vision, and Hearing plan is designed for individuals who want bundled protection without purchasing separate policies.
This plan combines preventive dental services with vision and hearing coverage under one easy-to-manage policy. Preventive dental care is typically covered at high benefit levels when using in-network providers, helping reduce out-of-pocket costs for routine care.
Vision benefits, after a 6-month waiting period, include a covered percentage (60-90%) up to a $200 maximum every two years. Hearing benefits, after a 12-month waiting period, include a covered percentage (70-90%) up to a $500 maximum every year.
Depending on your state and selected benefit level, reduced benefit waiting periods may apply for some restorative or major dental services.
The Cigna Flexible Choice Dental Vision and Hearing Plus plan offers expanded bundled protection:
- Enhanced bundled dental, vision, and hearing coverage with strong overall benefits
- Average premium starting around $34-$60/month
The Cigna Flexible Choice Dental Vision and Hearing Plus plan is one of the more comprehensive bundled options available through our agency.
This Plus plan is ideal for individuals or families looking for broader protection across dental, vision, and hearing services while keeping administration simple with one carrier and one monthly payment.
The Cigna Flexible Choice Dental Vision and Hearing Plus plan is currently available in 48 states.
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Pro tip:
Bundled plans can often save you 10–25% compared to purchasing dental, vision, and hearing coverage separately. Plus, managing one plan is just easier.
Cigna Flexible Choice Plus: Pros and Cons
After looking at Cigna’s dental insurance option, let’s go over what we think are the biggest pros and cons.
Pros of Cigna Dental Insurance
| Pros | Details |
| Stable provider | More than 17 million dental insurance members. |
| Wide network | Access to a large number of in-network dentists across the U.S, and sells plans in 48 states. |
| Affordable options | Lower premiums than other leading competitors such as Aetna or Delta Dental. |
| Day One Coverage | Basic and Major services covered on day one at a lower percentage. |
| Online tools | Easy claims tracking, provider search, and plan management through the myCigna portal and app. |
Cons of Cigna Dental Insurance
| Cons | Details |
| Reduced benefit waiting period for major services | Day one coverage for Major is 20% for year one, then 60% beyond that. |
| Annual maximum limits | Most plans cap coverage at $1,000-$5,000 per year-out-of-pocket costs can add up for major dental work. |
| Not accepted by all dentists | While the network is large, not every provider accepts Cigna. |
| Limited coverage for cosmetic work | Teeth whitening, veneers, and implants are usually not covered. |
Bottom Line: Cigna dental plan can be a solid choice if you’re looking for good comprehensive benefits and bundling options. Before signing up, be sure to review waiting periods, coverage limits, and your dentist’s network status.
An Alternative to Cigna Dental: Ameritas
If you’re tired of the restrictions that come with traditional providers like Cigna, Ameritas offers a better option with more freedom and less red tape.
While Cigna is a well-known name, Ameritas offers flexible, competitively priced plans with standout features like next-day coverage, no enrollment fees, and high annual maximums.
Throughout the following sections, I’ll highlight why Ameritas stands out as the best choice for many people.
Ameritas Dental Insurance
Ameritas Overview:
Ameritas dental plans start at just $22 a month. Plus, coverage for basic and major procedures gets better after the first year.
They’ve got family plans, too, including orthodontic care for kids.
Their premium plan costs a bit more but comes with a $3,500 annual max and great coverage for preventive, basic, and major services.
Pros:
- Immediate Coverage and No Enrollment Fees – Many plans offer next-day coverage with no hidden fees.
- Lifetime Coverage Flexibility – Keep your policy through job changes, moves, or retirement. Cancel anytime.
- Vision Coverage Bundling – Option to add VSP or EyeMed vision coverage in most states.
- Expansive Provider Network – Large PPO network with strong out-of-network reimbursement options.
- Exceptional Customer Support – U.S.-based support centers with knowledgeable, non-outsourced reps.
- Dental Care Estimator Tool -Helps you estimate out-of-pocket costs before appointments for better budgeting.
Cons:
- Premiums May Be Slightly Higher – Higher monthly cost than some budget insurers—but with better coverage and value.
- Orthodontic Coverage Not Always Included – Not all plans cover braces or Invisalign; check plan details carefully.
- Higher Out-of-Network Costs Possible – While out-of-network is allowed, it may cost more if your provider isn’t in the network.
Ameritas: Dental Plans Offered
Let’s look at Ameritas’s dental plans and review the details of what each plan covers.
#1. PrimeStar® Lite Plan
PrimeStar Lite is the most affordable option, perfect if you want the basics. It covers 100% of preventive care, such as cleanings, exams, and x-rays, and 50% of basic services, such as fillings and simple extractions.
Monthly premiums are typically in the $20–$30 range.
Coverage includes:
- Annual Maximum: Up to $1,500/year after the first year
- Deductible: $50 (per benefit year)
- Preventive Services: 100% in-network, 70% out-of-network
- Basic Services: Starts at 50% in-network, increasing to 80% after year one
- Major Services: Starts at 10% in-network, increasing to 20% after year one
#2. PrimeStar® Boost Plan
This plan has better coverage and no waiting periods for preventive or basic services. It covers 65% of basic procedures and starts covering major services like crowns and oral surgery at 20% on day one and increasing to 50% after 12 months.
It’s a solid mix of affordability and value, with monthly premiums running around $39.
Coverage includes:
- Annual Maximum: Up to $2,500/year after the first year
- Deductible: $50 (per benefit year)
- Preventive Services: 100% in-network, 70% out-of-network
- Basic Services: Starts at 65% in-network, increasing to 80% after year one
- Major Services: Starts at 20% in-network, increasing to 50% after year one
- Child Orthodontia: 50% coverage (Major Service)
- Teeth whitening: 50% coverage (Major Service)
#3. PrimeStar® Complete
PrimeStar Complete is the most comprehensive plan. It includes 100% coverage for preventive care, 80% for basic (increasing to 90% year 2), and 20% for major services (increasing to 50% year 2).
It even offers hearing coverage in most states, which neither of the other plans does.
This plan is ideal for families or anyone who expects to need more than routine care. Monthly premiums typically start at $46.
Coverage includes:
- Annual Maximum: Up to $3,500/year after the first year
- Deductible: $50 (per benefit year)
- Preventive Services: 100% in-network, 80% out-of-network
- Basic Services: Starts at 80% in-network, increasing to 90% after year one
- Major Services: Starts at 20% in-network, increasing to 50% after year one
- Hearing Benefits: Coverage for exams and aids
Bundling Options
Ameritas Dental offers bundling options with vision coverage and sometimes hearing, depending on the state and plan. Vision bundling, available in most states, includes benefits like eye exams, glasses, and discounts on LASIK through VSP or EyeMed.
Here’s a general breakdown of estimated monthly costs for bundling vision and hearing with an Ameritas dental plan:
- Vision – EyeMed ($11) or VSP ($16)
- Dental + Hearing = PrimeStar Complete ($46)
- Dental + Vision + Hearing = PrimeStar Complete + VSP Vision ($62)
Note: Actual premiums vary by state, age, and zip code, but family plans often include discounts. Ameritas offers no enrollment fees and many plans with next-day coverage.
Cigna vs. Ameritas: A Detailed Comparison
Let’s compare Ameritas Dental and Cigna across key categories – like:
- Coverage options
- Provider network
- Premiums
- Customer experience
Coverage Options
Cigna’s lineup is built around convenience and bundled protection. Instead of purchasing separate dental, vision, and hearing plans from multiple carriers, customers can combine everything under one policy with one premium and one provider network.
The Flexible Choice Plus plan focuses heavily on comprehensive dental services and affordability with strong bundled benefits.
These plans are especially appealing for:
- Seniors looking for hearing coverage and comprehensive dental care
- Families wanting combined coverage under one carrier
- Customers who value simplicity and predictable monthly costs
Ameritas takes a different approach by focusing more heavily on standalone dental flexibility and broader network access. Their plans typically offer high annual maximums, strong long-term value for major dental work, and more plan customization.
Ameritas may be a better fit for customers expecting significant dental procedures such as crowns, root canals, bridges, implants, teeth whitening, or orthodontic work. Their plans also tend to appeal to people who want more freedom in choosing providers.
Ameritas wins in this category for its more generous coverage and stronger network.
Provider Networks
Ameritas Dental offers extensive nationwide access with over 727,000 access points, competitive rates, and the flexibility to see any dentist, even out-of-network.
Cigna Dental has a large network (93,000+ dentists) but limited flexibility with out-of-network flexibility.
Ameritas wins again with more provider flexibility and a larger network.
Cost and Value
Ameritas Dental offers affordable premiums, no waiting periods, high annual maximums, and strong value, including discounts on cosmetic procedures.
Cigna Dental provides competitive pricing with higher annual maximums, but less value for overall coverage and network strength compared to Ameritas.
Dollar-for-dollar, you get more with Ameritas – especially if you plan to use your dental benefits.
Customer Experience
Ameritas Dental is praised for its excellent customer service, fast reimbursements, and user-friendly portal, which has high ratings from review sites. Cigna Dental offers good digital tools but faces mixed reviews due to billing and pre-approval issues, with slower, less personalized service.
Choose Ameritas if you want easier claims processing, more responsive support, and a smoother overall experience.
Our Thoughts: Why Ameritas Is Better
Ameritas consistently outperforms Cigna Dental in:
- Plan flexibility – Implants, teeth whitening and child orthodontia
- Network access – huge provider list and out-of-network benefits.
- Customer satisfaction – responsive, smooth experience.
- Extra perks – LASIK discounts, cosmetic procedure support, and vision bundles.
Ameritas Dental is ideal for individuals and families who want real value, fewer headaches, and access to quality care without limits. Cigna can work in most scenarios as well, but it can feel like you’re trading network freedom for the price.
Bottom Line: Ameritas Wins
Cigna dental insurance is a great option for folks looking for a comprehensive care plan with low out-of-pocket expenses. Just remember that Cigna’s plans might not cover certain procedures, like implants, and their provider network is smaller.
If a smaller network is a dealbreaker, consider alternative dental providers like Ameritas or Humana.
Ameritas is a popular pick with over 11 million members and a huge network of dentists. One of the biggest perks is their no-waiting-period policy. With Ameritas, you can start using preventive, basic, and major services right away as soon as you enroll.
If you need help comparing dental plans, please don’t hesitate to contact us. We are here to help!
Sources: Cigna Dental | Ameritas Dental | Delta Dental | Humana Dental
FAQs
- How much is a root canal without dental insurance?
- Does Original Medicare cover dental?
- Is Delta Dental better than Cigna dental?
- Does Ameritas dental have a deductible?
- How long does Cigna take to approve dental claims?
