Is Cigna Dental Insurance Good?
Cigna offers various dental plans, such as Dental 1000, 1500, and 3000/100, with premiums starting at just $33 a month.
If you’re looking for something more basic, Cigna’s Dental Preventive plan is more budget-friendly. It starts at $19 per month and covers routine check-ups like cleanings and standard x-rays for free.
Cigna also has bundled options that mix dental coverage with vision or both vision and hearing, with average monthly premiums beginning at $32.
Just keep in mind that some Cigna plans might not cover procedures like implants, and there are waiting periods of 6-12 months for basic and major services.
We’re here to help you make an informed choice about dental insurance, so let’s check out some highlights of Cigna.
Key Points:
- Cigna offers dental plans like Dental 1000, 1500, and 3000/100.
- Cigna’s network includes over 93,000 dentists and 297,000 office locations.
- Customer reviews are mixed on coverage for basic and major care.
I value Cigna as a reliable provider with one of the largest dental networks in the U.S. Their dental plan premiums are more affordable than many leading competitors, and they provide 100% coverage for preventive care.
However, members have reported negative experiences with their customer service and slow reimbursement times. Additionally, getting quotes from their website requires filling out a form, which can be inconvenient for those looking to compare prices quickly.
Cigna Dental Insurance Plans
Let’s break down Cigna’s various dental plans, including their coverage and premium details.
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Cigna Dental 1000:
The Cigna Dental 1000 plan includes:
- $1,000 annual maximum
- $50 individual deductible ($150 for families) for basic and major care
- 100% coverage for preventive care services like routine check-ups, cleanings, and x-rays every six months
- Average premium is $33/month
The Cigna Dental 1000 is designed for those seeking basic coverage. Its average monthly premium is $33, and it includes free routine check-ups. It also includes a deductible of $50 for individuals and $150 for families on restorative services and offers up to $1,000 in coverage for treatments such as fillings and crowns.
No referrals are required, and members can access Cigna’s nationwide network. Plus, you get 24/7 customer service and the Brighter Score tool to help pick dentists.
The 1000 plan offers 80% coverage for basic services after a six-month waiting period and 50% coverage for major services following a 12-month waiting period.
However, dental implants are not covered; dentures are only covered at 50%. Orthodontic services and teeth whitening are also excluded from this plan.
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Cigna Dental 1500:
The Cigna Dental 1500 plan provides better coverage with these features:
- Higher annual maximum of $1,500
- Includes orthodontia, making it suitable for families with children or individuals needing more extensive dental work
- $50 individual deductible and a $150 family deductible for basic and major care
- Average premium is $39/month
The Cigna Dental 1500 plan offers comprehensive coverage that is ideal for families. Its average monthly premium is $39; routine check-ups (including cleanings and x-rays) are free.
The plan provides a $1,500 annual benefit applicable to both minor and major dental procedures, such as fillings, crowns, and root canals, along with a $1,000 lifetime maximum for orthodontic services.
Like the Dental 1000, the 1500 plan offers no referral requirements, access to a nationwide network, 24/7 customer support, and useful online tools.
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Cigna Dental 3000/100:
The Cigna Dental 3000/100 plan offers great coverage with a low annual deductible:
- Highest annual maximum of $3,000
- $100 deductible
- 100% coverage for preventative care
- Average premium is $32/month
The Cigna Dental 3000/100 plan is a solid option for those seeking a high annual maximum paired with a low monthly premium. It offers 100% coverage for preventive care and provides up to $3,000 in benefits that can be used for both minor and major dental procedures, such as fillings, crowns, and root canals.
Basic services are covered at 50% after a six-month waiting period, while major services receive 50% coverage after a 12-month waiting period. Although implants are not included, dentures are covered at 50% following the waiting period.
Note that orthodontia and teeth whitening are not included in this plan.
Similar to the other plans we’ve reviewed, the Dental 3000/100 requires no referrals, gives access to a nationwide network, and offers 24/7 customer support and helpful online tools.
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Tight budget?
Cigna’s Dental Preventive plan provides budget-friendly coverage with monthly premiums starting at $19. This plan features $0 routine dental check-ups, including cleanings and routine x-rays.
There are no deductibles or maximums.
Cigna's Pros and Cons
In a nutshell, here are some pros and cons that come with Cigna’s dental insurance options:
Pros:
- Lower premiums than other leading competitors such as Ameritas or Delta Dental
- One of the largest dental networks and sells plans in all 50 states
- A stable provider with more than 18 million dental insurance members
Cons:
- Members have reported negative experiences with customer service and reimbursement times
- No plans include dental implant procedures
- Waiting periods = delayed care
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Bonus tip:
Cigna also provides bundled plans that include dental coverage alongside vision or both vision and hearing. Monthly premiums start at an average of $32, with deductibles ranging from $50 to $100.
These plans offer up to $2,500 in dental benefits, up to $300 in vision, and $700 in hearing benefits.
Bottom Line
Cigna dental insurance is great for folks looking for low deductibles and preventive care without out-of-pocket expenses. Even with its affordable premiums, Cigna offers plans that cover many common restorative services and give you the flexibility to choose any dentist.
Just remember that Cigna’s plans might not cover certain procedures, like implants, and there will be 6-12 month waiting periods for basic and major services.
If long waiting periods are a dealbreaker and you’re willing to pay a bit more for your premium, consider alternative dental providers like Ameritas or Humana.
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
- Does Cigna dental insurance cover dental implants?
- How extensive is Cigna's dental network?
- Are there any waiting periods for Cigna dental plans?
