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Our Expert Take
Our Expert Take
We like that the Cigna Dental Preventive plan offers low premiums with no deductibles or coverage maximums, which makes it an excellent choice if you’re looking for a low-cost policy that covers only preventive care.
Pros
- Preventive care is covered at 100%.
- No waiting period.
- Same reimbursem*nt level regardless of whether you get care inside your provider network or outside it.
Cons
- This plan doesn’t cover basic or major care.
- Doesn’t cover dental implants or dentures.
On Dental Insurance Guide's Website
4.0
Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information.
Top scoring plan
Preventive
Annual deductible
None
Dental network size
89,000 providers
Table of Contents
- About Cigna Dental Insurance
- Types of Insurance Offered by Cigna
- Cigna Dental Insurance Plans
- Methodology
Show more
How We Chose the Best Dental Insurance Companies
About Cigna Dental Insurance
Cigna serves more than 18 million dental insurance customers and offers other coverage like health insurance. Cigna has one of the largest PPO dental networks in the nation and sells individual dental plans across all 50 states and the District of Columbia.
 | Provider NetworkThe Cigna Advantage dental preferred provider organization network includes nearly 90,000 dental providers. |
 | Plans and CoverageCigna offers four dental plan options for the individual shopper: Preventive plan, Cigna Dental 1000, Cigna Dental 1500 and Cigna Dental 3000/100. Coverage begins as soon as the month following your enrollment. Cigna also offers dental plans through employers with higher coverage levels. |
 | Customer ServiceCigna serves more than 17 million people. Its representatives are available 24/7, and the company offers a personalized customer portal to make it easy to manage and maximize your dental plan benefits. |
Types of Insurance Offered by Cigna
Initially created in 1792 as a marine insurance company, Cigna has grown to become a globally recognized health insurance company. Cigna provides numerous insurance products, including:
- Health insurance plans
- Medicare and Medicaid plans
- International health insurance
- Other supplemental insurance, including lump sum heart attack and stroke, lump sum cancer, hospital indemnity and whole life insurance.
Cigna has a global network of more than 1.5 million health care providers, clinics and facilities and employs more than 70,000 workers. If you’d like to continue shopping around, take a look at the list of best dental insurance companies by Forbes Advisor.
Cigna Dental Insurance Plans
Cigna offers four dental plans for individual shoppers, as well as more options for plans offered through employers.
Comparing Cigna Dental Insurance plans
| Cigna dental plan name | Monthly cost average | Annual maximum | Annual deductible | Forbes Advisor rating |
|---|---|---|---|---|
Preventive Plan | $25 | None | None |
|
Cigna Dental 1000 | $40 | $1,000 | $50 for individual and $150 for family coverage for basic and major care |
|
Cigna Dental 1500 | $47 | $1,500 | $50 for individual and $150 for family coverage for basic and major care |
|
Cigna Dental 3000/100 | $29 | $3,000 | $100 |
|
Source: Cigna Dental Insurance
Cigna Dental Preventive Plan
- Annual maximum: none
- Annual deductible: none
- Preventive care: 100% for routine dental check-ups every six months, including cleanings and routine x-rays
- Basic services: not covered
- Major services: not covered
- Implants and dentures: not covered
- Orthodontia: not covered
- Teeth whitening: not covered
Cigna Dental 1000
- Annual maximum: $1,000
- Annual deductible: $50 for individual and $150 for family coverage for basic and major care
- Preventive care: 100% for routine dental check-ups every six months, including cleanings and routine x-rays
- Basic services: 80% after six-month waiting period
- Major services: 50% after 12-month waiting period
- Implants and dentures: implants not covered; dentures covered at 50% after 12-month waiting period
- Orthodontia: not covered
- Teeth whitening: not covered
Cigna Dental 1500
- Annual maximum: $1,500
- Annual deductible: $50 for individual and $150 for family coverage for basic and major care
- Preventive care: 100% for routine dental check-ups every six months, including cleanings and routine x-rays
- Basic services: 80% after six-month waiting period
- Major services: 50% after 12-month waiting period
- Implants and dentures: 50% for dentures; implants not covered
- Orthodontia: 50% up to $1,000 lifetime, $50 lifetime deductible
- Teeth whitening: not covered
Cigna Dental 3000/100
- Annual maximum: $3,000
- Annual deductible: $100
- Preventive care: 100% for routine dental check-ups every six months, including cleanings and routine x-rays
- Basic services: 50% after six-month waiting period
- Major services: 50% after 12-month waiting period
- Implants and dentures: Implants not covered; dentures covered at 50% after 12-month waiting period
- Orthodontia: not covered
- Teeth whitening: not covered
Methodology
To find the best dental insurance companies we scored 37 stand-alone dental insurance plans. We got quotes from each company and dug into each dental plan to find out what each one covers, what they reimburse for different types of coverage, and coverage limits and deductibles. Only the top-scoring plans from each company are shown. Benefit details can vary by state, so check the plan brochure for details. Ratings are based on the following criteria:
- Cost:We compared costs for a 30-year-old female in California: 30% of score.
- Annual maximum insurance payout: 10% of score.
- No waiting period for preventive care: 10% of score.
- Basic care payout level: 10% of score.
- Basic care waiting period: 10% of score.
- Major care coverage in the first year: 10% of score.
- Coverage for implants: 10% of score.
- Coverage for orthodontia: 10% of score.
Best Dental Insurance Companies Of 2024
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