Cigna offers dental coverage to more than 17 million insurance customers. At the moment, it is one of the largest PPO dental networks in the country. It sells individual dental plans in all 50 states in the USA and the District of Columbia. Their representatives are always available. And the company offers an online portal that makes it very easy to manage your various dental plan benefits.
This company provides various insurance products. This includes health insurance plans, international health insurance, Medicare, and Medicaid plans. And other supplemental insurance such as lump sum cancer, whole life insurance, lump sum heart attack and stroke, and hospital indemnity.
With options like preventive plans that cover routine check-ups and cleanings, as well as more comprehensive plans that include coverage for orthodontic treatment and restorative procedures. Cigna’s network of dentists provides accessible care across the country, making it easier for members to find a dentist they trust. Whether you need basic preventive care or more extensive treatment, this company’s dental plans aim to help keep your smile healthy while providing peace of mind.
Cigna Dental Insurance Plans
Cigna offers three dental plans for personal shoppers and more dental plans for plans that are provided through employers.
Cigna Dental Preventive Plan
The Preventive Plan makes sure you can get regular dental check-ups and cleanings without worrying about an annual limit or deductible. Every six months, you can schedule a dental exam and cleaning. And once a year, you’re entitled to a routine X-ray. However, for children aged 13 or younger, some services may have limits on how often they can be used. Keep in mind that if you need any restorative dental work, you’ll need to pay for it yourself.
Cigna Dental 1000
The Cigna Dental 1000 plan covers preventive care and offers savings for basic and major dental procedures. Basic services include fillings and extractions, while major services include treatments like deep cleanings, root canals, and dentures. However, orthodontic and cosmetic dentistry aren’t covered. When you use an in-network provider, you pay a portion of the cost for services, while Cigna covers the rest. If you go out-of-network, the plan still helps with costs, but only up to a certain limit. The plan has an annual maximum benefit of $1,000.
Cigna Dental 1500
The Dental 1500 plan goes beyond basic dental care by offering orthodontic benefits in addition to preventive and restorative care. Both adults and kids can use this coverage for Invisalign or traditional braces. However, cosmetic treatments like teeth whitening or veneers aren’t covered.
The plan has similar coinsurance rates for basic and major services as the Cigna Dental 1000 plan. For orthodontic care, you’ll pay 50% of the cost with in-network providers, and Cigna covers half the cost if you go out-of-network. The plan has an annual maximum of $1,500, with a separate lifetime maximum of $1,000 for orthodontic care.
You have three dental insurance options with low deductibles to choose from. They all cover preventive care, but they vary in what other services they include. Although they have the same maximum deductible, each plan has different annual maximums based on the services covered.
Pros and Cons of Cigna Dental
Although this company is all that, it still has its advantages and disadvantages. Check out below for the pros and cons.
Pros
- Unlike other competitors, it offers more budget-friendly plans.
- There is 100 percent coverage for preventive care.
- Long-standing and positive reputation.
- 50% for major and reimbursement for basic care at 80%
- Annual deductible of 150% for family coverage and $50 for individuals
- The annual maximum coverage of $1,500 is a good one.
Cons
- Dental implants are not covered by the plans.
- 12 month waiting period for major care and 6 month waiting period for basic care
- Getting quotes can be complicated.
This company stands out as a reliable choice for individuals and families looking to maintain good oral health without breaking the bank. With straightforward coverage options and an expansive network of dentists, Cigna makes it easy to find quality dental care that fits your needs and budget.
Cigna Dental Pricing
In a survey comparing dental insurance plans, Cigna’s premiums averaged $19 per month for the Preventive Plan, $33 for the Dental 1000 Plan, and $39 for the Dental 1500 Plan. Your premiums may vary based on where you live and your age. Living in a big city with higher dental costs could mean higher premiums. Also, older individuals might pay more because insurers see them as higher risk.
How can I purchase Dental Insurance from Cigna?
Just so you know, this company makes dental plans accessible no matter where you stay in the United States. You can contact its customer service by phone or chat online during limited hours. Visit their online portal at their official website or use the mobile app to check out their plans anytime you want. Once you know what you want, you can then contact them to purchase the plans. Their contact information is available on the official Cigna website. You will need to become a member, by the way.
After becoming a member, you can do many things. Use the myCigna website or the mobile app to view claims, estimate costs, get a digital insurance card, and make plan changes. You can even pay premiums and find in-network providers using the app. Plus, the main website has a knowledge center with answers to dental insurance questions.
Is the Cigna Dental Insurance Plan a good choice?
Choosing a Cigna dental plan can be a smart decision for many people seeking affordable and comprehensive dental coverage. With a range of plan options tailored to different needs and budgets, it offers flexibility and accessibility.
Their extensive network of dentists ensures convenient access to quality care. While features like preventive coverage and orthodontic benefits provide added value, Whether you’re looking for basic preventive care or more extensive treatment options, Cigna dental plans offer peace of mind and help keep your oral health in check.