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Cigna Healthcare℠ Individual and Family Dental Insurance

Insured by Cigna Health and Life Insurance Company

Company History

The Cigna Group℠ is one of the oldest insurance companies in the United States, having originated in 1792. While they trace their roots back more than 200 years, they became the company you know today in 1982 with the merger of INA Corporation and Connecticut General Corporation.

Cigna Healthcare has three principal brands:

  • The Cigna Group, an international health company with products and services under the Cigna Healthcare and Evernorth Health Services divisions or subsidiaries
  • Cigna Healthcare, a health benefits provider
  • Evernorth℠ Health Services, a provider of specialty pharmacy, care services, and benefits solutions

Part of Evernorth Health Services, is Express Scripts® Pharmacy, which has been delivering medications to people since 1987.

A Great Selection of Plans

Company logo for Cigna bestselling

Cigna Dental 1500

Available for all ages, including those 65 and older. No referral needed to see a specialist.

Plan Type: PPO

Plan Maximum: $1500

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Cigna Dental Vision Hearing 3500

We make it easy with one bundled plan, one simple premium and one place for dedicated support.

Plan Type: Dental PPO + Vision

Plan Maximum: $2500

Size and Industry Ratings

Cigna Healthcare has over 19 million medical customers, with 1.2 million of the members outside of the United States. The company's annual revenues exceed $48 billion1. Cigna Healthcare has a reputation for financial stability with high scores from financial rating firms. These ratings include:

  • Fitch: "A+" rating for CGLIC
  • Standard & Poor's: "A" rating for Connecticut General Life Insurance Company (CGLIC) and Cigna Health and Life Insurance Company (CHLIC)
  • A.M. Best: "A" rating for CGLIC and CHLIC
  • Moody's: "A2" rating for CGLIC and CHLIC

The J.D. Power 2023 U.S. Commercial Member Health Plan Study found that Cigna Healthcare had the highest customer satisfaction among health plan members in the state of New Jersey.

Questions answered and ready to buy?

Cigna Healthcare Dental Statistics

Cigna Healthcare's DPPO Advantage Network has more than 80,000 unique dental care providers who operate in over 300,000 different locations. Cigna Healthcare's DPPO Total Network, in comparison, has more than 132,000 unique dental providers serving at approximately 740,000 locations.*

Cigna Healthcare boasts over 17 million dental customers as well as being the fastest growing dental insurance company.

Basic Comparison of Cigna Healthcare's Products on DentalInsurance.com

Below is a basic comparison table for our Cigna Healthcare products. Click on the product names to read more details on each plan's benefits and their conditions.

  Cigna
Dental 1500
Cigna
Dental Vision Hearing 3500
Network Type PPO PPO
Network DPPO Advantage Network
Annual deductible individual / family $50 / $150
Deductible waived for Preventive Yes
Dental maximum benefit $1,500 $2,500
Oral exams and cleanings 100% of costs covered by plan
Fillings 80% of costs covered by plan
Tooth extraction (simple) 80% of costs covered by plan
Crown 50% of costs covered by plan
Vision benefits No Yes
Hearing benefits No Yes
*Not all plans available in all areas.

A Reputation Built on Trust

At DentalInsurance.com, we work hard to provide you the best experience possible.

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Very affordable plans and a wide range to choose from to fit your budget...

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I got signed up for Dental Insurance and your Representative made it very easy...

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Benefits

Benefits to having a Cigna Healthcare Individual Dental plan:

  • See reviews on in-network dentists with the Brighter Score® feature
  • 24/7 access to manage your dental health online with myCigna®
  • Discounts and savings on fitness memberships, wearable devices and meal subscription service

Additional information:

  • Waiting periods apply to some benefits, please review plan information.
  • Non-participating providers charge their own fees. Covered expenses for non-participating providers are based on the contracted fee for in-network providers, which may be less than billed charges.

1 Subject to change. The content of this statement is subject to change as a result new information provided

2 Cigna Healthcare internal data as of May 2022

Product availability may vary by location and plan type and is subject to change. All group dental insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company and Cigna Dental Health, Inc. In Texas, the Dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna DPPO Advantage network. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).

We can help you find the plan that best suits YOUR needs.

More from DentalInsurance.com

How Can I Save Money on My Overall Dental Costs?

There are several commonsense measures to control your dental spending. First, review your insurance needs annually based on your oral health. If a crown or root canal are in your future, make certain your dental plan covers it or change plans to one that will such coverage available when you need it. Second, never be hesitant to seek another dentist's opinion when very expensive procedures (such as a dental implant) are recommended. You will pay for the cost of the other opinion but, in some cases, a less expensive treatment better aligned with your medical needs might be suggested. Third, if you have a modest income, you may qualify for charitable dental care. See our page devoted to dental care in your state to see what resources are available. For more information on reducing your annual dental spending, see our article “Six Ways to Lower Your Annual Dental Costs.”

Are There Differences in Premiums, Coverage, Waiting Periods, Deductibles, and Annual Maximums Between Fee-For-Service Dental Plans, Dental HMOs, Dental PPOs, and Dental Savings Plans?

Yes, but these differences tend to be plan specific as opposed to generally apply to a category of insurance. With respect to premiums, Dental Savings Plans and HMOs often have the lowest premiums but also have the most restrictive networks. Fee-for-service (typically known as “indemnity dental plans”) and PPO plans often have the most flexibility with respect to dentist choice and acceptance of the coverage. Deductibles are generally low among dental plans and HMO and Dental Savings Plans may not have them at all. Waiting periods can be found among all types of dental coverage except Dental Savings Plan.

How Can Individuals Save Money on Dental Care with Different Dental Coverage Options?

The best way to save money on insurance is to align it with your needs, whether it be a PPO plan, bundled benefits plan, or HMO. For example, if you need a root canal or denture in your future and those procedures are uncovered by your plan, you will pay 100 percent of the costs on your own. Talk with your dentist about what treatments you may need in the coming few years and use that information as a basis for which benefits must be in your dental insurance coverage. You can also make yourself a more informed shopper by reading our resources on maximum benefits, affordable dental insurance, and what plans cover the costliest dental procedures.

What Are the Benefits and Features of Indemnity Dental Plans, Dental HMOs, and Dental PPOs?

Thankfully there is a lot in common among dental PPOs, HMOs, and indemnity plans. They all tend to group benefits within three categories: preventive care, basic care, and major care. The benefits covered within each of these categories depends on the plan itself and not its designation as an indemnity plan, PPO, or HMO. This is because dental insurance benefits are not standardized in the way medical benefits are standardized in Medicare and the Affordable Care Act. This means it is the consumer's responsibility to review a plan's details or policy brochure to understand what treatments are covered. Special attention should be paid to premiums, coverage, waiting periods, deductibles, and annual maximums.

What is a dental savings plan and how does it differ from traditional dental insurance?

A dental savings plans is a distinct alternative traditional dental insurance. Whether advertised as a "program" or a "card," these plans have monthly membership fees and a restrictive network from which discounts may be obtained on dental services. Unlike many traditional insurance plans, there are not features such as preventive care with no copayment.

Can a Dental Savings Plan Be Used in Conjunction with Existing Dental Insurance?

While a person could purchase a Dental Savings Plan alongside traditional dental insurance, the two products do not collaborate with one another. A dental savings program is not insurance, and it offers discounted rates within a specific narrow network of dental service providers. Traditional dental insurance will most often have a wider selection of dentists from which to choose, especially if it is a Preferred Provider Organization (PPO). The discounts from a Dental Savings Plan operate independently of traditional insurance and a traditional insurance plan’s coverage conditions and dental network do not apply to a Dental Savings Plan.

Need help choosing a plan? Call us at 800-296-3800

Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.

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