
Cigna dental insurance covers a range of services, including routine cleanings, fillings, and extractions. These services are usually covered with a copayment, which is a fixed amount you pay out of pocket.
The Cigna dental insurance plan also covers major services like crowns, bridges, and dentures. These services typically require a coinsurance, which is a percentage of the total cost you pay.
Preventive services like fluoride treatments and sealants are usually covered with no out-of-pocket cost. This is a great benefit, as it can help prevent costly dental problems down the line.
Cigna dental insurance plans often have a maximum out-of-pocket limit, which means you won't have to pay more than a certain amount for covered services in a year. This can help you budget and plan for your dental expenses.
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Insurance Coverage
Cigna dental insurance offers a range of coverage options, including in-network and out-of-network providers. As an in-network provider, you'll only be responsible for the out-of-pocket percentage of your treatment costs, whereas out-of-network dentists can charge higher fees and you'll be responsible for the difference in price as well as your out-of-pocket percentage.

Cigna has over 90,000 dentists in its national network, making it likely that you'll find a provider near you. Their PPO plans offer flexibility and a large network of providers, but may have slightly higher premiums.
Here's a breakdown of the types of coverage you may consider:
- Preventive dental care: Most dental plans cover 100% of routine preventive dental care, including exams, cleanings, and x-rays.
- Restorative care: This includes fillings, extractions, root canals, crowns, bridges, dentures, and more.
- Orthodontic care: This area of specialization is focused on correcting teeth and bite alignment.
In-Network Insurance Coverage
If you have in-network dental insurance, you'll only be responsible for the out-of-pocket percentage of your treatment costs.
In-network dentists have a standing agreement to charge fees for dental services as outlined by your insurance provider, such as Cigna. This means you won't have to worry about the difference in pricing.
With an in-network dentist, you can avoid the concern of higher fees for services. In most cases, the differences in pricing are minimal.
Here are the key benefits of in-network dental insurance:
Full Coverage Insurance
Full coverage insurance is a type of dental insurance that typically covers a wide range of dental procedures and treatments.

You can find full coverage dental insurance that covers dental implants, but it's not standard in most plans. You'll need to shop carefully and read the plan details to find one that covers dental implants.
If you do find a plan that covers dental implants, it will likely only cover a percentage of the cost. There may also be requirements like a dental deductible, waiting period, and lifetime maximum.
Some dental plans have annual maximums, which is the most your plan will pay for dental procedures and treatments over the course of the plan year. DHMOs typically don't have annual maximums, but they offer fewer choices.
Here are some types of coverage you may consider when shopping for a full coverage dental plan:
- Preventive dental care: This often includes a dental exam and cleaning every six months, as well as certain types of mouth x-rays.
- Restorative care: This includes everything from fillings for cavities and tooth extractions, to root canals, crowns, bridges, dentures, and more.
- Orthodontic care: This area of dental specialization is focused on correcting teeth and bite alignment.
Preventative
Cigna Dental Preventative is a great option for those who want to maintain their dental health without breaking the bank. It starts at just $19 per month, per person.

Preventative care is a crucial part of maintaining good oral health, and Cigna's plan covers a wide range of services including oral exams, routine cleanings, routine x-rays, fluoride treatments, sealants, and non-orthodontic space maintainers.
In-network, these services are covered with no deductible, which means you won't have to pay a penny out of pocket. Out of network, you'll pay the difference between the provider's standard fee and 100 percent of the Maximum Allowable Charge.
Here are some of the preventative care services that Cigna's plan covers:
- Oral exams
- Routine cleanings
- Routine x-rays
- Fluoride treatments
- Sealants
- Non-orthodontic space maintainers
Keep in mind that Cigna's preventive plan only covers preventative services, and there is no waiting period for this coverage. This makes it an affordable option for seniors looking for basic coverage.
Plan and Costs
Cigna offers three dental insurance plans, including the Cigna 1500 and Cigna 1000 plans, which both provide coverage for preventative care, basic restorative care, and major restorative care.
The Cigna 1500 plan offers more comprehensive coverage, including orthodontia care, but comes with a higher premium. The Cigna 1000 plan, on the other hand, does not cover orthodontia care, but has a lower premium.

Here is a breakdown of the costs associated with each plan:
It's worth noting that both plans have a six-month waiting period for basic restorative care and a 12-month waiting period for major restorative care.
Cost of Full Coverage Insurance
Full coverage dental insurance can be a significant investment, but it's worth considering the long-term benefits. The cost of full coverage insurance varies depending on the type of plan you choose.
DPPO and DHMO plans are two common types of dental insurance, and their costs can differ significantly. For example, DPPO plans often have deductibles, coinsurance, and annual maximums, which can impact your out-of-pocket costs.
Your premium payment will also depend on the type of plan you choose. Some plans, like DPPOs, tend to have a higher premium because they offer more choice, while others, like DHMOs, have lower premiums due to limited options.
Here are some key factors that can impact the cost of your dental plan:
- Deductible: This is the amount you pay before your plan begins to cover costs.
- Coinsurance: This is the percentage of costs you and your plan share after meeting your deductible.
- Copay: This is a flat fee you pay for each visit or medication.
- Annual Maximum: This is the maximum amount your plan will pay for your dental care in a plan year.
- Premium: This is your monthly payment for your dental plan.
For example, Cigna Dental 1500, a high-level dental coverage plan, costs $35 per month per person, and includes a range of benefits.
Plan

Cigna offers three dental insurance plans, all of which are Preferred Provider Organizations (PPO) plans. These plans provide flexibility in choosing a dentist from a large network of providers.
The three plans are: Cigna 1500, Cigna 1000, and another plan that is not specifically named. Each plan has different benefits and costs.
The Cigna 1500 plan has a $50 individual deductible and a $150 family deductible. The Cigna 1000 plan also has a $50 individual deductible and a $150 family deductible.
Here's a comparison of the two plans:
Cigna's PPO plans have a large network of providers, with over 90,000 dentists in over 286,000 locations. This means that most older adults should be able to find a provider in their area.
Coverage and Costs
Cigna offers three dental insurance plans, all of which are PPO plans, which allow policyholders to choose a dentist from a large network of providers. This network includes over 90,000 dentists in more than 286,000 locations across the United States.

Each plan offers different benefits for preventative care, basic restorative care, major restorative care, and orthodontia care. Cigna also offers a tool called "Bright Score" to compare dental providers and rate dentists on their patient experience and affordability.
PPO plans tend to have slightly higher premiums, but they provide the most flexible service options. Preventative dental care is usually covered 100% by most dental plans, but restorative care and orthodontic care may require a deductible, copay, or coinsurance.
Here's a breakdown of the basic costs associated with most dental plans:
The cost of full coverage dental insurance varies depending on the plan you choose, with factors like deductible, coinsurance, copay, and annual maximum all impacting the premium.
1000
The 1000 plan is a great option for those looking for a balance between cost and quality. Cigna Dental 1000 has a monthly premium of $30 per person.
This plan provides the same quality provider network as the more expensive options.
What is Covered
Cigna dental insurance covers a wide range of services, including preventive care, restorative care, and orthodontic care. Preventive care includes services like oral exams, routine cleanings, and x-rays, which are usually covered at no cost to you.
Preventive care is usually covered at 100% for routine services like exams, cleanings, and x-rays, making it easy to maintain good oral health. This includes services like fluoride treatments and sealants for children up to 14 years old.
Restorative care covers more complex treatments like fillings, tooth extractions, and root canals, which can be costly if you don't have insurance. Orthodontic care, which corrects teeth and bite alignment, is also covered in some Cigna plans.
Here are some specific services that are typically covered under a Cigna dental plan:
- Oral exams
- Routine cleanings
- Routine x-rays
- Fluoride treatments
- Sealants
- Non-orthodontic space maintainers
Does Full Coverage Insurance Cover Dental Implants?
Full coverage dental insurance does not typically cover dental implants as standard benefits. You'll need to shop carefully and read the plan details to find a plan that covers dental implants.
Related reading: Does Blue Cross Medical Insurance Cover Dental Implants
Plan summary benefits usually include language that clearly states what types of dental procedures and treatments are covered, as well as what's not covered. If you don't see specific mention of dental implants, check the list of exclusions and limitations.
Dental implants are likely to be covered only by a percentage of the cost, and you may need to meet certain requirements. These could include a dental deductible, waiting period, and lifetime maximum.
A fresh viewpoint: All-on-4 Dental Implants Covered by Insurance
Full Coverage Insurance Without Maximum
You can get full coverage dental insurance without a maximum, but it's typically only offered by DHMOs, which are a good fit for some people but offer fewer choices.
DHMOs don't have annual maximums, so you don't risk running out of benefits. This can be a great option if you anticipate needing a lot of dental care in the upcoming year.
You can also shop for other dental plans with higher annual maximums, which can cover you for a lot more, but you'll need to choose a plan with an annual maximum that's right for you.
What is Covered by Insurance?
Dental insurance can cover a wide range of services, but what exactly is included in your policy? Let's break it down.
Preventive care is typically covered at no cost, including dental exams and cleanings every six months, as well as certain types of mouth x-rays. This is a great way to catch any potential issues before they become major problems.
Restorative care, on the other hand, includes services like fillings, tooth extractions, root canals, crowns, bridges, and dentures. The level of coverage for these services varies by policy, but they can range from basic to major.
Orthodontic care, which focuses on correcting teeth and bite alignment, is also covered by some policies. If you or a family member expect to need this type of care, look for a policy that includes orthodontic services.
Here's a breakdown of what's typically covered in each category:
As you can see, dental insurance can provide a wide range of benefits, from routine cleanings to major restorative care.
What's Not Covered by Insurance?

Dental insurance plans can be confusing, but understanding what's not covered can help you plan ahead for your dental care needs.
Most dental plans don't cover cosmetic treatments like teeth whitening and veneers.
Some dental plans may also not cover orthodontic appliances like braces, removable teeth aligners, or retainers.
If you're considering a plan with orthodontic benefits, be sure to understand the details of the plan, as coverage for the orthodontist's services may differ from coverage for the actual appliances.
Here are some examples of dental treatments that may not be covered by your plan:
- Bridges, crowns, and dentures may not be covered in preventive dental plans.
- Root canals may not be covered if you only buy a preventive dental plan.
- Orthodontic appliances like braces, removable teeth aligners, or retainers may not be included in all types of dental plans.
The key to making sure your dental plan covers certain types of treatment is to plan ahead for the dental care you and your family expect to need.
Dental Treatments
Dental problems are best treated by being completely avoided, so take advantage of preventive care services to avoid unwanted and costly treatments down the road.
Your Cigna dental insurance policy will likely cover almost 100% of your preventive cleanings, exams, x-rays, and similar procedures.
Treating Gum Disease

Treating gum disease is crucial, as approximately 90% of adults have some form of it.
Gum disease can be prevented and treated with regular dental cleanings, but skipping these appointments can lead to insurance coverage scaling back for gum disease treatments.
If you're not getting your teeth cleaned regularly, you're more likely to need deep cleanings, which can be costly.
Tooth loss is a common consequence of untreated gum disease, making prevention and early treatment essential.
Don't wait until it's too late – take care of your gums and teeth to avoid costly treatments and potential tooth loss.
Broaden your view: Dental Insurance without Missing Tooth Clause
Orthodontic Treatment
Orthodontic treatment is a crucial part of maintaining good oral health. If you or your child has crooked teeth, it can set you up for a higher chance of cavities.
Having crooked teeth can also increase your risk of headaches. Most insurance plans include a limited range of benefits on orthodontic therapy. This can include clear or removable braces.
Frequently Asked Questions
Is Cigna dental a good dental insurance?
Cigna Dental offers comprehensive coverage with no annual deductible or maximum, making it a great option for those prioritizing preventive care. With 100% coverage for routine check-ups, cleanings, and X-rays, you can maintain a healthy smile without breaking the bank.
Sources
- https://www.tomkodental.com/cigna-dental-provider.html
- https://www.theseniorlist.com/insurance/dental/cigna/
- https://www.cigna.com/knowledge-center/full-coverage-dental-insurance
- https://www.cigna.com/knowledge-center/how-does-dental-insurance-work
- https://www.cignadentalplans.com/dental-care/what-does-dental-insurance-cover
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