How Much Does Cigna Dental Insurance Cost: A Comprehensive Guide

Cigna dental insurance costs vary depending on several factors, including your age, location, and the type of plan you choose.

You can expect to pay between $25 and $50 per month for individual coverage, while family plans can range from $100 to $250 per month.

The cost of Cigna dental insurance also depends on the level of coverage you need, with more comprehensive plans costing more.

On average, Cigna dental insurance costs around 1-2% of the total cost of dental care, which can add up to significant savings over time.

You can purchase Cigna dental insurance directly through their company, which can be a cost-effective option. Cigna's Dental Preventive plan costs $19 a month.

If you need more comprehensive coverage, Cigna's Dental 1000 plan starts at $30 per month, per person. This plan includes benefits for restorative treatments like fillings, crowns, or root canals, but you'll have to wait 6-12 months before using them if you didn't have insurance before.

The Dental 1000 plan also has a benefits cap of $1,000 per year, which resets every January 1.

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Cigna offers a range of dental insurance plans to suit different needs and budgets.

The Cigna Dental Preventive plan is a great option for those who rarely visit the dentist, costing just $19 a month and covering basic services like cleanings, exams, and limited X-rays.

If you need more comprehensive coverage, the Cigna Dental 1000 plan starts at $30 per month and includes restorative treatments like fillings, crowns, and root canals, with a $1,000 annual benefit cap.

For a few dollars more per month, the Cigna Dental 1500 plan adds orthodontic benefits of up to $1,000 for a lifetime.

Here's a breakdown of the different Cigna dental plans:

Keep in mind that if you didn't have insurance before joining the Dental 1000 plan, you'll have to wait 6-12 months before using the restorative benefits.

If you're looking for cheaper alternatives to traditional Cigna dental insurance, consider joining a dental savings plan or discount dental program.

Cigna offers a discount dental program called CIGNAPlus Savings, which costs $154.95 annually for individuals or $199.95 for families. That's less than $13-17 per month.

You'll save an average of 37% on most dental services with this plan.

The Preferred Network Access by Cigna discount plan costs even less, starting at $124.95 per year for individuals and $179.95 per year for families.

Here are some details on Cigna's discount plans:

Both plans can save you 37% on most dental services, and you can use them to see any participating dentist or specialist nationwide.

Cigna dental insurance plans offer a range of coverage options to suit different needs.

A full-coverage dental plan can cover preventive care, which includes regular check-ups and cleanings.

Preventive care is essential for maintaining good oral health and preventing more complex issues down the line.

You can expect to pay varying costs for more coverage, but a full-coverage plan may also cover basic restorative care, such as fillings.

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Major restorative care, including bridges and dentures, is also often covered under a full-coverage plan.

Orthodontic treatments, like braces or Invisalign, are another type of care that may be included in a full-coverage plan.

Here's a breakdown of what you might expect a full-coverage plan to cover:

You'll want to be aware of the requirements and limitations of Cigna dental insurance. Cigna has a six-month waiting period for basic restorative services.

There's a 12-month waiting period for major restorative services and orthodontic care. This means you won't be covered for these services right away if you sign up for Cigna dental insurance.

Do you need dental insurance? It depends on your age, overall health, and budget. If you've always had a clean bill of health, paying for preventative care out-of-pocket may be more cost effective for you.

However, if you're able to get it through your employer as part of a group plan, it's worth looking into since the monthly premiums are usually quite low.

Waiting periods apply to some services, so it's essential to understand what that means for you.

You'll have a six-month waiting period for basic restorative services, which includes fillings, crowns, and root canals.

If you're looking for major restorative services or orthodontic care, you'll have to wait 12 months.

However, if you already have dental coverage through another carrier for 12 months, Cigna can waive the waiting period.

To qualify for this waiver, your old plan must have included basic and major restorative services, and you'll need to sign up with Cigna within 63 days of canceling your old coverage.

Cigna dental insurance offers various plan types, each with its own price point. A DHMO plan is the cheapest option, but it has restrictions on the number of dental providers you can see.

The cost of a DHMO plan can be as low as $18.59 per month, depending on the plan. However, you'll pay a percentage of all procedures out of pocket, except for preventive care.

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DPPO plans offer more flexibility, allowing you to visit any dentist you choose. They're more expensive than DHMO plans, with costs ranging from $32.12 to $72.13 per month.

Indemnity plans are another option, costing around $24.00 to $55.51 per month. However, they often have higher out-of-pocket costs.

Your location and age can also affect your premiums. For example, living in a major city like Los Angeles, CA, can increase your costs. In Los Angeles, the Cigna Dental Preventive Plan costs $25 per month, while the Cigna Dental 1500 plan costs $47 per month.

Here's a breakdown of the costs of Cigna dental insurance plans in different cities:

Keep in mind that these costs are just examples and may vary depending on your individual circumstances.