Is Cigna Good Dental Insurance for Your Budget and Coverage

Cigna dental insurance can be a good option for those looking for a budget-friendly plan with decent coverage. Cigna offers a range of dental plans that cater to different needs and budgets.

Cigna's most affordable plan, the Preventive Care Plan, costs around $20-$30 per month for individuals. This plan covers basic services like cleanings, exams, and X-rays.

The Preventive Care Plan also has a low annual deductible of $50, making it a great option for those who only need basic dental care. Cigna's customer service is also available 24/7 to help with any questions or concerns.

Cigna dental insurance has its advantages and disadvantages. It offers more budget-friendly plans than other competitors, which is a major plus for those on a tight budget.

One of the standout features of Cigna dental insurance is its 100% coverage for preventive care. This means you can get regular check-ups and cleanings without breaking the bank.

On the other hand, Cigna dental insurance has some notable drawbacks. For example, it doesn't cover dental implants, which can be a significant expense for those who need this type of treatment.

Here's a breakdown of the pros and cons of Cigna dental insurance:

Cigna has a long-standing positive reputation in the insurance industry, having operated in some form for over 200 years.

Serving more than 18 million dental insurance members, Cigna has established itself as a trusted provider.

Cigna ranks among the top health and life insurance providers based on market share, giving you confidence in their ability to meet your needs.

The company's financial stability is also a key factor in its positive reputation, with excellent ratings from reputable organizations like AM Best and Standard & Poor's.

AM Best has given Cigna an excellent "A" rating, indicating confidence in the company's ability to pay out claims.

Cigna's strong ratings from S&P Global also put the insurer in its "strong" category, further solidifying its positive reputation.

Cigna offers three low-deductible dental insurance plans, all of which cover preventive care and have different annual maximums depending on the service. The Cigna Dental Preventive Plan covers preventive care procedures and has no annual maximum or deductible.

Cigna has over 90,000 dentists in its national network, making it a viable option for older adults living anywhere in the US. Each plan offers different benefits for preventative care, basic restorative care, major restorative care, and orthodontia care.

Here's a breakdown of the Cigna 1500 Plan's benefits:

Cigna also offers a dental savings program in qualifying states, which can lower dental care costs for you and your family.

Cigna has no waiting period for preventive services, which is great news for those who want to stay on top of their oral health.

You'll have to wait six months for basic restorative services, though, which can be a bit of a bummer if you need some immediate attention.

Cigna can waive the waiting period if you already have dental coverage for 12 months through another carrier, but there are some catches to this.

The former plan must include basic and major restorative services, and you have 63 days to sign up with Cigna after canceling your old coverage.

Major restorative services and orthodontic care come with a 12-month waiting period, so plan accordingly if you're thinking of getting any of these services done.

Cigna offers three low-deductible dental insurance plans that cover preventive care, but differ in additional services covered. These plans all share the same maximum deductible (if applicable) but have different annual maximums depending on the service.

You can choose from three low-deductible Cigna dental insurance plans, each with its own unique benefits and coverage limits. The Cigna Dental Preventive Plan covers preventive care procedures and has no annual maximum or deductible.

The Cigna Dental 1500 Plan and the Cigna Dental 1000 Plan both have deductibles, but offer 100% coverage for preventive care services when using an in-network provider. This includes X-rays, exams, and routine cleanings for both children and adults.

In-network Cigna dental insurance providers offer 100% coverage for preventive care services, including X-rays, exams, and routine cleanings for both children and adults. Covered members 13 years old and younger get 100% coverage for space maintainers, fluoride treatments, and sealants.

Cigna also offers family plans that cater to the dental needs of individuals and their dependents. From routine checkups for children to orthodontic treatments, Cigna ensures that your family's oral health is well taken care of.

Here are the key features of the Cigna Dental 1500 Plan and the Cigna Dental 1000 Plan:

Cigna's dental insurance plans offer a range of benefits and coverage limits, making it essential to carefully review each plan's features and costs to determine which one is best for your needs.

Cigna dental insurance pricing can vary depending on your location and age. For a 35-year-old individual, monthly premiums for the Cigna Dental Preventive Plan range from $18 in Orlando, FL to $37 in Boston, MA.

Your location affects your premiums, with major cities like Los Angeles, CA and Boston, MA having higher rates than Orlando, FL. This is because dental care services are more expensive in these areas.

The Cigna Dental 1500 plan has the highest monthly premium, ranging from $34 in Orlando, FL to $68 in Boston, MA. This plan includes coverage for more procedures than the other two plans.

Here's a breakdown of the average monthly premiums for Cigna's dental insurance plans:

Seniors can get coverage for as little as $19 per month, but may pay up to $39 per month for plans that include orthodontic care and other non-preventative procedures.

Cigna dental insurance has been given an excellent "A" rating by AM Best, indicating confidence in the company's ability to pay out claims.

AM Best's rating system uses an A++ to D scale, and Cigna's "A" rating puts it in a strong position.

S&P Global also gave Cigna an "A" rating, which categorizes the insurer as strong.

The strong ratings from both AM Best and S&P Global suggest that Cigna has the financial stability to cover its claims.

Cigna's dental insurance pricing varies depending on your location and age.

For a 35-year-old individual, here are some sample monthly rates for Cigna's dental plans in different cities: Los Angeles ($25 for the Preventive Plan, $40 for the 1000 plan, and $47 for the 1500 plan), Orlando ($18 for the Preventive Plan, $28 for the 1000 plan, and $34 for the 1500 plan), and Boston ($37 for the Preventive Plan, $52 for the 1000 plan, and $68 for the 1500 plan).

Seniors can get coverage for as little as $19 per month.

Cigna offers dental 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.

Cigna offers three dental plans and three dental and vision bundles, giving you options to choose from. Seniors can also enroll in a dental savings program if they live in a qualifying state.

To purchase a Cigna dental insurance plan, you'll need to request a quote online, which requires filling out information about all parties you wish to have insured.

Cigna Dental offers plans to anyone in the United States. This includes seniors who may be looking for affordable dental insurance options.

To be eligible for a dental savings plan, you must live in a qualifying state. This plan reduces the cost of procedures such as tooth extractions, root canals, crowns, veneers, and implants.

You can enroll in a dental savings plan if you meet the state eligibility requirements. This plan is a great option for those who want to save money on dental procedures.

Cigna Dental has no age restrictions for their plans, making them accessible to seniors and younger adults alike. This means that anyone in the United States can enroll in a Cigna Dental plan.

By enrolling in a Cigna Dental plan, you can take advantage of their preventative care coverage. This includes procedures such as checkups, X-rays, and tooth cleanings, all with no deductibles or co-pays.

Cigna offers dental plans and dental savings programs to eligible individuals in the United States.

If you live in a qualifying state, you can enroll in a dental savings plan that reduces the cost of procedures like tooth extractions, root canals, crowns, veneers, and implants.

Cigna dental insurance plans are available to anyone in the United States, but there are limitations on dental savings plans.

You can choose from three low-deductible Cigna dental insurance plans: the Cigna Dental Preventive Plan, the Cigna Dental 1500 Plan, and the Cigna Dental 1000 Plan.

The Cigna Dental Preventive Plan covers preventive care procedures and has no annual maximum or deductible. All members can use the coverage to get a dental exam and cleaning every six months and a routine X-ray annually.

Here's a comparison of the deductible and waiting periods for the three plans:

Note that the Cigna Dental 1000 Plan does not cover orthodontia, unlike the Cigna Dental 1500 Plan.