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.
Cigna offers three kinds of plan options to individuals and families with different dental insurance benefits:
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.
Cigna offers four kinds of plans that employers can provide to their employees in a benefits package:
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.
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.
We have CIGNA and have been very happy with their Service. They seem to work with a lot of providers in our area.
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.
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.
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.
Cigna’s reimbursement rates are extremely low. Many providers will no longer accept Cigna.
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.
Claims are paid quickly and premiums are decently priced. I would recommend them
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!
I have Cigna very satisfied, I pats out well depending on your plan staff is very helpfull
Coverage on dental health is immaculate, 12 cavities filled with only 40 dollars out of pocket
Cigna makes it extremely easy to use their dental insurance. I actually love the online dashboard that shows me data.
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.
Cigna doesn't cover anything. They apparently think that their clients just love taking test and don't believe any of the tests and procedures are actually necessary. They've been so awful and we've paid out of pocket in full for every single thing. I don't understand what the half a thousand dollars a month was even for.
Great options for our family and pricing was very good. Never had any problems at all.
This company has been very helpful and easy to work with. They are also quick to respond.
They were really easy to work with! I've never had any problems, and it was easy to check my benefits before starting.
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.
Kristiane R Durfey
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.
I had Cigna with a previous employer and absolutely loved their coverage and service. I wish I could go back to Cigna. They always covered my procedural needs.
Cigna offers a good plan for school teachers and we have used it for years. Great supplement. You get ok benefits for the price.
Have had no problems with Cigna and dental insurance. very reliable and trustworthy
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.
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!
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!!!
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.
VERY BAD EXPERIENCE. They are not covering the benefits that the dental office claim the insurance will going to cover 100%. always downgrading my coverage w/o any notice or information.
Terrible if you want them to pay you have to complain to customer service and if you complain enough they pay only partial of bill.
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. .
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
We have had a great experience having Cigna as our insurance. They provide such good help and quality.
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.
Dale L Farmer
It was nice to have insurance for dental work but it was hard to find a good office that accepted it.
Supposed to cover 60 percent for a procedure, but didn’t agree with the amount the specialist charged and ended up covering much less.
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.
This is my insurance . We have a great dental plan . It's nice to know our insurance is so easy to work with and they cover so much
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.
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.
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 .
Very happy with the plan selections Cigna offers their customers. My medical and dental are covered with just one plan.
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.
Jonathan D. Kershaw
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 $600. One of them almost went to collections because I moved and so much time had passed that my mail forwarding had expired so I wasn't receiving statements in the mail. Cigna reached out to me once and when I explained the situation it's basically been radio silence. So if your dentist office recommends Cigna Insurance, tell them no thank you and maybe warn them that they may end up trying to collect for months as mine did.
When my daughter was born Cigna negotiated a few prices but covered nothing. Then when my husband went to get a filling through their dental coverage we were told they only cover fillings in the front teeth. Who needs fillings in the front teeth! So we asked for the bigger plan that covers fillings, they said we would be good to go come June. So in June we finished a root canal for my husband and guess what, we get a bill for 400$ 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.
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.
I have Cigna dental insurance. It is okay coverage. I have one of the better plans but it doesn't cover fluoride treatment. Also isn't the cheapest around.