Cigna began as the Insurance Company of North America in 1792 in Philadelphia to provide marine insurance. Over the years, Cigna has grown to become a global leader in the health insurance industry. Cigna also offers dental insurance.

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The Good

Plans for Individuals and Families
Plans for Employers

Plans for Individuals and Families

Cigna offers three kinds of plan options to individuals and families with different dental insurance benefits:

Cigna Dental Preventive
Cigna Dental 1000
Cigna Dental 1500

The Cigna Dental Preventive plan has no deductible and covers 100 percent of preventive services, like cleanings and exams. Its monthly premium cost varies. However, the average lowest monthly premium available in 2018 is $19 per person.

The Cigna Dental 1000 offers the same preventive care coverage as the Cigna Dental Preventive plan. It also covers restorative treatment up to $1000 per year. The deductible is $50 for an individual and $150 dollars for a family. The average lowest monthly premium available in 2018 is $30 per person.

The Cigna Dental 1500 plan has the same deductibles and preventive coverage as the Cigna Dental 1000. It offers more coverage for restorative care, up to $1500 per year. The Cigna Dental 1500 includes $1000 benefit for orthodontic services that comes with a separate deductible, limits, and coinsurance. The average lowest monthly premium available in 2018 for this plan is $35 person.

When choosing a plan from these three categories, pay attention to waiting periods. Waiting periods mean that the dental insurance company doesn't cost-share covered services until the waiting period is over.

Plans for Employers

Cigna offers four kinds of plans that employers can provide to their employees in a benefits package:

Cigna Dental Care (DHMO)
Dental Preferred Provider Organization (DPPO)
Dental Exclusive Provider Organization (DEPO)
Dental Indemnity

The specifics of each plan vary, so check the specifics of your plan before making your choice. General information about each kind of plan is below.

The Cigna Dental Care plans are Cigna's dental HMO plans. They allow individuals to see an in-network provider for general dental treatment and require referrals to see any kind of dental specialist. There is no out-of-network coverage, except for emergencies. Some of these plans also cover orthodontic services from an in-network provider.

The Dental Preferred Provider Organization (DPPO) plans allow individuals to see any dentist or specialist in- or out-of-network. There are greater cost savings to seeing a network-participating dentist. After the deductible is met, patients pay coinsurance for dental services under the dental PPO plan.

The Dental Exclusive Preferred Provider Organization (DEPO) plans are very similar to the Dental Preferred Provider Organization plans. The only difference is that the Dental Exclusive Preferred Provider Organization plans do not offer out-of-network coverage.

The Dental Indemnity plans do not require referrals. People with these plans pay co-insurance for the dental treatment they receive.

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The Bad

Exclusions and Limitations

Exclusions and Limitations

Cigna dental plans have certain limitations and exclusions that vary by state. For example, Cigna dental coverage is not retroactive and does not cover prescriptions, athletic mouth guards, etc. More information about Cigna’s exclusions and limitations is available on Cigna’s website. Be sure to read them before you choose a plan.

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The Bottom Line

Dental care and dental insurance are important investments in your oral health. Cigna is a reliable, well-known company for insurance. Cigna offers several kinds of plans for independent buyers and employers. Most will be able to find good, affordable dental coverage through Cigna.

Before choosing a dental insurance plan from Cigna, be sure to understand the specific terms and exclusions. You should also get a personalized quote, since the rates published on the company’s website are the average low prices.

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User Reviews

Star Rating

3.7

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91 Reviews

Review Breakdown

5 grade

41%

4 grade

25%

3 grade

12%

2 grade

1 grade

18%

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Flavio Kronig Orlando, FL

Im writing in my behalf use im trying to get my reimbursement since augustt 17...my day of swrvice at doctorphilios modern dentistry was on may 27 2022 ...after a coupl of weeks i unortunaly did find out they overcharge me in that clinic.they are dragging me all the way here to not pay me themoney tgey took from me! You guys from cigna are also not capable to make them pay me back.we go there and have you and put our trust loyalty and money in your hand and we hope youhave our back.but its not the case there in cigna...yes i hace been calling you guys almost everyday and the ibly thing you do is giving to moberndentistry at doctor philips time time and time not doing orgiving them any actionsfor what they have been doing agaisnt my persona and my wallet and my time...because of your imconpetence my life has became a nightmare evrytime i have to call you expecting to have some good news thats all the time frame you gave to this peoole: Dec 29 after the 60 days period from august 17 til oct 7 and october 7 to november 7 and from novenber 7 til novenber 29 and from november 29 til december 29 nothing has ever been done to pay me back what this disonest clinic has been taking from me.. $866 dollars..i paid this lying thieves $3272 dollars and tge bill was $2406 acoording to my plan.the lat ca i made there was with reference number 6135.letters appeals complains ans bow tgey tell you guys wont taje your call anymore...what about paying me back? Are you going to send me the payment ? They are saying they send tge check to you at october 29...do you have the check? If you can find the check when will you find??????should i be waiting sitting here another month? Should i be waiting here and accepting tge crao they give to me for another month? For god sake is tgere anyone there with professionalism to do any actions against people who does go against the law? Do you all have families ? Of course right?so you do understand how hard it is to accept getting stole...

1 month ago

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Carol P El Cajon, CA

I am an Insurance Coordinator for an oral surgery practice and unfortunately, I am forced to work with Cigna on a daily basis. Cigna is by far the most subpar, incompetent, and unsatisfactory insurance company I have ever worked with. They make more mistakes than any other company. They take longer processing claims than any other company. They constantly ask for information we have already provided. It’s as though they avoid paying claims anyway they can. I regularly spend hours on the phone trying to get them to correctly pay claims. I would recommend NOT HAVING INSURANCE over selecting Cigna as your insurance company.

1 month ago

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M T Chicago, IL

My dental coverage was not as good as I expected but they had great customer service staff to walk me through a few issues I had over the phone.

3 weeks ago

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Natalia Jayy Piscataway, NJ

Cigna has offered cost effective and competitive rates for dental procedures. I always love seeing how much Cigna takes off from the original bill as it reminds me of the viable option I have for insurance.

2 months ago

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Joe

Cigna Dental has proven theirselves & their worth time & time again! They are an extremely intuitive company staffed with actual associates that truly care about you the customer. They can be easily contacted wherever & whenever you may find the need for their assistance. They provide more than just quality insurance for your dollar value, they actually provide a comfortable & well maintained customer service package that includes concierge representatives always at the ready to assist with knowledgeable customized responses to your personal & individual needs. Cigna is definitely a company that truly cares about their most precious assets, the customers they very happily serve!

3 years ago

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Thawkes2017 AL

I haven’t been able to use my current benefits yet! All three of children are double covered and they are giving me problems double billing for two of them.

3 months ago

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Deanna Perry Clinton, MD

HABITUAL, INCOMPREHENSIBLE, DERELICTION OF CLAIMS PROCESSING. Cigna Dental is derelict in their fiduciary responsibility to properly process dental claims. Your administrative effort will become exhausted from repeatedly re-sending complete, diagnostic quality images, narratives and reports. This will result in them asking again for the same information that is attached and clearly listed on the claim form. Cigna habitually abuses their members by intentionally holding on to premium payments and not paying ALLOWABLE BENEFITS. I urge you to look elsewhere, Cigna is is a waste of your time, effort and money.

7 months ago

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Gail Gibson Clinton, NJ

Have called in response to a letter and spent hours on hold on different days and have never gotten to a live person. Ridiculous.

1 month ago

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Mandi Colorado Springs, CO

I have Cigna dental through my employer and pay for both me and my daughter to be covered with a reasonable monthly premium of about $100. The dental plan helped me pay for her to get orthodontic care when she needed it. Cigna covered $2,000 of her treatment which made it much easier to afford care. The customer service is very responsive and quick to act on issues or claims you have.

1 year ago

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Stephanie Love Herriman, UT

I’ve had Cigna for several years for my dental insurance and I’ve been very satisfied with their coverage. We get two free cleaning a year and they offer $2000 towards braces and I know a lot of insurances only offer $1000-1500. It helped a lot when I had all three of my girls in braces at the same time. If I ever have any questions they are able to help me and are very professional.

2 years ago

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take7 Sandy, UT

Carry Cigna now. It is great for accepting not just locally but out of state too. Our coverage is great for our needs and they are always in touch on visit follow ups and information. Customer service is very helpful. I’ve used chat and call in and they followed up and even called the facilities to confirm coverage and give me names and details who to be in touch with if there was a problem.

2 years ago

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Bridget Walker Bay Saint Louis, MS

Cigna dental insurance has some of the most affordable dental plans that I have found. They have low co pay and deductibles as well.

7 months ago

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Jewell Phoenix, AZ

Cigna provides better coverage for various dental needs than other companies do. They also don't require you to pay for 6 to 12 months of premiums before they will pay on claims. .

3 years ago

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Danial Beck Missouri City, TX

Easy registration, they didn't make it complicated and their web site made it easy how to select the plan which fits. Also used their customer service as a new policy holder who has moved from another country and it was brilliant.

2 years ago

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Mike Ika West Valley City, UT

I am currently with Cigna for my dental insurance. I love that I dont have to pay a copay for preventative care. This totally makes it worth it to stay current on dental cleanings and checkups in order to avoid more expensive bills caused by waiting.

2 years ago

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Reese Pleasant Grove, UT

I had Cigna dental-insurance at a previous employers and it worked great. I was able to do what I needed to do for my family and myself without having to pay through the nose. Good group of dentists to choose from and easy to have the insurance go through and then pay my portion.

3 years ago

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AMIT KUMAR YADAV New York, NY

One of the worst company to get Dental insurance. They deny your claim on one pretext or other. They have so many hidden costs that the insurance looks a steal deal but when you visit a dentist, you realize that its you from whom the company has stolen. First they deny your claim, then appeal are invariably rejected and there in no further customer satisfaction mechanism. Avoid it, if you can.

8 months ago

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Laura Gainesville, FL

This insurance is no good, you will pay far more in than you ever get back. And try cancelling the policy, 48 minutes 25 seconds on the phone being transferred three times. I don't like to have to write bad reviews. Here is my take: When they sell, they don't tell of a waiting period, as many others have said. When they sell, I was told two teeth cleanings a year are 0% out of my pocket. I don't have dental problems, but knew all costs were increasing so, I picked up this policy two years ago. This year alone, I have paid $396 in premiums, I went for two teeth cleanings, my balance due was still $293, and the great insurance paid $145. This is not good financing. They paid $48 for a teeth cleaning? Where in the world can you get a teeth cleaning for $48. Either be honest about what it pays or don't sell it. Very misleading and downright disgraceful. Don't buy this junk.

1 year ago

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Chris Partridge Washington, DC

Cigna works ok for the regular stuff, but if you end up having to do anything other than a cleaning, good luck. Even for procedures they say are covered, they find a way to deny a claim. Their procedure (in part because of my employer potentially, requires that) is that a claim for wisdom teeth (a procedure they cover) must be denied as a medical claim first before they review it. Now they have denied the claim because they are saying my dentist is out of network for this procedure, but never said it was out of network before. When I contacted Cigna they tell me it is denied because it is a cosmetic procedure. So now I am stuck paying for a procedure my insurance covers, yet doesn't cover.

1 year ago

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Robert Denver, CO

My evaluation is the Plan Detail statements on the official Signa website, for Sigma Preferred Medicare (HMO) are deceptive, at least related to dental and vision coverage. "Dental Care...Preventive Services: No max plan coverage amount Comprehensive Services: $3,000 every year". Signa accepts only 1 of hundreds of dentists in our area, even excluding our previous dentist in the same network. Basic x-rays were approved and covered but a deep cleaning was recommended as a preventative measure. Details "Preventive Dental Services› Prophylaxis/cleaning (one every six months) $0 copay. Neither the dental office or Sigma bothered to clarify, until I was scheduled and in the office with a $100 charge if I cancelled, that this cleaning, even while qualified for 100% coverage by the plan, still had a $55 co-pay per quadrant ($220 patient pay). I fear what other hidden costs there likely are if I needed any more significant treatments. For vision wear, we are restricted to only approved vision dispensaries where we found prices for very standard glasses to be more than $200 higher than I have paid at even the same chain in the past. If I used the $200 Sigma limit for eyewear my cost with insurance would still be higher than simply using a sale price without insurance. I ended up purchasing 2 pair of glasses at a big box store for over $200 LESS than just 1 pair quoted by the in-plan chain. Frames were comparable, same lens coatings. The chain claimed they used "newer technology" but the "old" technology works fine for me, IF there is a difference. Beware of misleading and selective information!

1 year ago

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Joseph from Virginia Miami, FL

Great over the phone customer service. I like that they cover most of the prophylactic 6 month exams (all but $12 in my case) but they don’t cover much for implants, crowns or root canals.

1 year ago

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Vinh Rochester, NY

Last year I had paid an additional premium for the dental insurance through my employer that was contracted to cover orthodontics $1500 (life time maximum) for my son. Early spring 2018 my son got that procedure done. Now March 2019 I just received a bill from my son's orthodontist to pay $289.41 because Cigna won't pay any more to complete that $1500 as contracted to cover for my son's 2018. I called Cigna and found out that Cigna stretched out quarterly payments to my son's orthodontist and canceled the last payment that was falling in this year Spring 2019 even though my son's orthodontic invisalign procedure already done last spring 2018 and told me because I terminated the dental insurance. However, this year 2019 I am still with the same Cigna Dental Insurance through my same employer but I changed to a premium only cover $1000 life time maximum for orthodontics since my family/kids do not need orthodontics right now. Plus, I was already done my part paid the difference for my son's orthodontic procedure last year and I paid the whole year for that premium dental insurance to cover $1500 as contracted. Finally I believe this misleading advertise and wrongful operative business by Cigna. All my coworkers and myself don't like Cigna Dental even my dentist and and it's very hard to find good dentists that accept Cigna Dental. We have tried to convince the employer/HR to change the dental insurance .

3 years ago

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Jonathan D. Kershaw Gainesville, FL

DON'T sign up for Cigna Dental Insurance. I'm just now receiving multiple bills from dentist offices who thought Cigna was going to cover a certain amount on procedures I had done a year ago and now I'm on the hook for over $600. One of them almost went to collections because I moved and so much time had passed that my mail forwarding had expired so I wasn't receiving statements in the mail. Cigna reached out to me once and when I explained the situation it's basically been radio silence. So if your dentist office recommends Cigna Insurance, tell them no thank you and maybe warn them that they may end up trying to collect for months as mine did.

4 years ago

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Dory Springville, UT

When my daughter was born Cigna negotiated a few prices but covered nothing. Then when my husband went to get a filling through their dental coverage we were told they only cover fillings in the front teeth. Who needs fillings in the front teeth! So we asked for the bigger plan that covers fillings, they said we would be good to go come June. So in June we finished a root canal for my husband and guess what, we get a bill for 400$ so i called Cigna, apparently our new plan is not effective until next year! However, we are paying the premium for it now! Do yourself a favor and don't let Cigna steal your money.

4 years ago

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hminfo Olney, MD

The Cigna dental plan that my work has in place is the most comprehensive dental plan I have ever had. So much is covered under the plan, and the claims are always processed very quickly.

1 year ago

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BrooklynWriter Brooklyn, NY

Like most dental insurance companies, Cigna basically covers a biannual checkup and most of the cost of, say, cavities. Beyond that, you're on your own. The annual and lifetime cap is pretty modest, and hope that your child doesn't need orthodontics.

2 years ago

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Mr. Sampson Blacklick, OH

Easy to do business with. I would recommend them to other, however I feel like there should be more in network locations. More coverage would be preferable, but you don't pay much for dental anyways. Better to have it then not have it at all.

2 years ago

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Gerald Hays Layton, UT

I had Cigna through my previous job and they were very reasonably priced and they paid the claims as expected. When I have needed to contact them about claims they were able to help me promptly.

2 years ago

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Michelle Rios Ogden, UT

We liked the coverage that our Cigna Dental plan offered. We were able to find a great dentist that was covered by the plan. Because we were able to see the dentist every 6 months for cleanings, we were able to avoid pricey cavities. The work that had to be done had a reasonable co-pay that didn't break the bank.

2 years ago

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Leslie Comstock Orem, UT

Love, Love, LOVE Cigna! Easy access online especially when I need to verify insurance & coverage for our patients. Very efficient & quick response. They definitely make things easy!

2 years ago

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Amy Decker Bloomington, IN

We have had nothing but really good experiences in using Cigna for our dental coverage. We’ve been with them for years and have never had any trouble with claims or coverage. Love that our coverage goes out of state.

3 years ago

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Jennifer Smith Salt Lake City, UT

Our experience with Cigna has been a challenge. Costly mistakes were made on our account that took more than a year to resolve. Their customer service team was unable to resolve the problem. Our account was sent to a resolution team. Eventually the issue was resolved, and we continue to use this insurance company - but we are vigilant with each claim that is submitted because mistakes are made.

3 years ago

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Dalin Conner Fallon, NV

Cigna has always been super easy to work with and hasn't failed me yet! The coverage is awesome and covers eyes, dental, and a back surgery (so far). It's extremely hassle free and any issues get resolved quickly.

3 years ago

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Fernando

First time use there services and i am great I'll I went to the right place all people in this location very nice and services are great

3 years ago

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Bill Conrad Newberry, FL

I bought a Cigna advantage Dental plan that offered 100% no deductible coverage for preventive and diagnostic treatment inside or outside network. When I got treated, I was billed for 70% of the bill. Turns out, what Cigna covers is 100% of their “Maximum Allowable Coverage” (MAC) which is only a third of the cost. You are liable for the balance. This is some VERY deceptive wording they use to scam the unwary customer. This company is a predatory, scam , ripoff that preys on Veterans and Seniors!!! Do not but a policy!!! You will be disappointed!!!

3 years ago

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Sharea Atlanta, GA

Cigna dental sent checks that i never received. Asked them to stop payment and send out more. Its been TWO YEARS; this went unoticed by my ortho now for the past 4 months me and the orrho have been calling. They LIE say they are going to process and have it sent. Ive talked to 5 different chicks 2 different managers...jana a. veronica j. john d. to name a few...NOT ONE have kept their promise and i havent heard back from one. This company is a FRAUD.

4 years ago

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Ron Murrey Clovis, CA

I have dental insurance with Cigna. They only offer a $1500 dental plan. I would like to have a higher dental coverage but they don't offer it. They also don't cover a larger portion of the cost of the dental service. They only cover x-rays for the 6 month checkups and not for dental work done at other times.

2 years ago

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Katie Carver Cheyenne, WY

We have had Cigna insurance for a few years and we have been very happy with it. They have always covered what we needed them to cover. No complaints.

2 years ago

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Kristiane R Durfey Pleasant Grove, UT

We didn't have Cigna Dental insurance for very long, maybe, a year and a half, and then our employer switched companys. They were fine. Didn't have any problems with them and I think their coverage was pretty comparable to other company's. Accepted our family dentist and claims were paid in a timely manner.

3 years ago

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Paige Baldwin Wellsville, UT

We used Cigna for the longest time. It wasn’t the best we used but not the worst either. They had pretty good coverage and our billing process usually went smoothly. Their was always willing to help.

3 years ago

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Brittany Bray Springville, UT

We have Cigna for our health and dental insurance. They have coveted so many appointments I didn’t think they would cover. I have been very impressed.

3 years ago

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Angela Nelson Pleasant Grove, UT

We have Cigna dental insurance. So far it has worked OK for us, but we haven't had anything other than routine cleanings and 1 small filling. My dentist office says Cigna is slightly below average when compared to other insurance companies for dental insurance. I feel that they are about average.

4 years ago

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Mila Vilesova

Very high premiums for my PPO 2, but 0 deductible and $5,000 a year are worth it. Definitely a good choice if you need a lot of work done.

3 years ago

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Rose Chevelon Tallahassee, FL

I have braces and I need a cleaning every 3 months and with the insurance I pay nothing out of pocket which helps me a lot financially.

1 year ago

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Picnicky82 Logan, UT

I have had Cigna dental insurance for a long time. I had to have some significant work done and was so pleased with my coverage.

2 years ago

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Jon Posey Riverton, UT

We switched to Cigna to get a larger nationwide network which is great and all but it seems they have expanded that network at the expense of smaller local networks which to me isn't great.

2 years ago

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MattB , UT

Good customer support, able to call and talk to someone I can understand. Seems to be a good price for insurance, pretty happy

2 years ago

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Linda Hays Layton, UT

I have liked Cigna for my dental insurance. They are clear on what they cover and my provider has never had trouble collecting psyment.

2 years ago

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AGenes Eagle Mountain, UT

I had Cigna for 3 years and never had any problems. The dental insurance is okay and is usually the same as others. Covers basic cleanings and saves you on other procedures.

2 years ago

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Lily South Jordan, UT

I don’t really like Cigna it hey didn’t cover anything for insurance. They never really helped me out. Before that they were pretty good.

3 years ago

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