Dental Health Info Article

Cigna Dental

Whether you’re after the perfect smile or you just want to know you’re protected in case of an accident, dental insurance is an important part of any healthcare plan. Cigna offers a wide variety of dental plans to choose from, and here we’ll explore the benefits of Cigna Dental’s insurance plans, and try to work out whether their PPO (preferred provider organization) or HMO option works best for you. 


Cigna provides health and dental insurance to individuals, families, and businesses. They’ve been in operation since 1792, and have as many as 15.2 million medical customers worldwide, putting them right at the forefront of dental insurance providers in the US.

Cigna Dental PPO

Cigna Dental’s PPO plans provide you with access to their nationwide network of dentists – there are over 135,000 practitioners to choose from – making it an extremely flexible type of dental plan. You don’t have to stay within the network if you don’t want to, but you will need to spend more money if your chosen dentist isn’t in the Cigna Dental PPO network. This is because the plan pays a greater percentage of costs if you get treatment from a participating provider. Like all PPOs, you’ll need to pay a deductible (the amount that you must pay before your coverage kicks in).

What's covered?

Under a Cigna Dental PPO plan, a wide variety of dental procedures are available, not just routine or diagnostic care. You can receive coverage for preventive care (cleanings, routine x-rays, etc.), basic procedures (fillings, restorative work, non-routine x-rays) and major procedures (crowns, root canals, bridges, etc.).

What are the benefits of a Cigna Dental PPO plan?

One of the major benefits of a Cigna Dental PPO plan is that you don’t have to submit the claim yourself, paying the entire cost of the treatment upfront and then having to wait to be reimbursed. Instead, the Cigna PPO dentist submits the claim on your behalf. In addition, since it’s a PPO you won’t have to choose a primary dentist, allowing you to select a Cigna dentist that is convenient for you no matter where you are.

What type of PPO plans are available?

Cigna Dental offers access to several different PPO plans:

Cigna Dental 1000. This plan has an annual maximum of $1,000. There’s a $50/$150 individual/family deductible to pay, and you can receive coverage for preventative, diagnostic and restorative treatments. Discounts for orthodontia are also available with Cigna Dental 1000 coverage.

Cigna Dental 1500. This plan has an annual maximum of $1,500. The deductibles are the same as they are for the Cigna Dental 1000 plan, and users can receive coverage for preventative, diagnostic and restorative treatments. In addition, the plan offers an orthodontic benefit.

They also offer a plan called Cigna Dental Preventative. However, this plan only covers preventative and diagnostic treatments, so it’s probably not the best choice unless you’re happy to receive extremely basic coverage.

How does it work?

So, how do you use a Cigna Dental PPO plan? It’s easy. Since the dentist submits the claim on your behalf, you just need to pay the deductible, plus your co-payment.

Does it offer good emergency dental coverage?

Cigna’s PPO plan is perfect for helping you through dental emergencies. As they can strike anywhere, anytime, Cigna’s wide network of dentists, as well as the option to see out-of-network dentists, means you’ll be covered wherever you are. This is particularly handy as even if you’re at home near your regular dentist, even if they’re not open, you can find one that is and get treated as soon as possible.

Is Cigna right for me?

If you’re likely to need dental coverage in a variety of different areas of the country or state, Cigna Dental PPO represents an easy to use, flexible option for your dental insurance. A wide variety of dental treatments are available, and you can choose from an enormous number of dentists within the PPO network. They also offer 24/7 support, 365 days a year, so if you ever have any questions or problems you can give them a call anytime, any day. If you want great dental coverage while keeping your expenses relatively low, Cigna Dental insurance could be the best option.

Is Cigna good for families?

Cigna offer family plans to ensure you and your loved ones can get the dental care you need. From regular check-ups to address any concerns you might have about a little one’s growing teeth, having a regular dentist in your life has plenty of benefits. With Cigna’s wide network of dentists, you can find one that’s perfect for children too. Some clinics offer special play areas and other features tailored to young patients, to ensure their dental experience is as happy as can be.

Cigna group dental plans

Cigna offers lots of different dental plans that suit families or businesses, however the most common kind is the Cigna Dental Care® (DHMO) plan. This plan allows you to pick a general dentist for everyday check-ups, diagnoses and emergency care, where they will refer you to a specialist if needed. It will cover most, if not all of the cost of the visit, and has the option of adding orthodontic services.

Cigna’s DHMO plan doesn’t have a deductible or yearly dollar limit, meaning there’s no cap on the covered dental expenses. While this plan doesn’t allow you to see out of network dentists, it does have a wide range of network providers to choose from. Other dental plans available through Cigna include:

  • Open Access Plus (OAP) where you choose your own health care providers.

  • LocalPlus® that offer you a mix of health benefits at a price that fits your budget.

  • Preferred Provider Organization (PPO) that boasts a large network of dentists you can visit.

  • Exclusive Provider Organization (EPO) has a local network of doctors and hospitals included in the plan.

  • HRA, HSA and FSA: Account-Based Plans include an account that you use to help cover some healthcare expenses.

  • Medical Network plans have a primary care provider (PCP).

  • Cigna Health Maintenance Organization (HMO) allows you to choose a primary care provider.

  • Cigna SureFit® health plans have networks based in local communities.

  • Medical Indemnity plans offer you a choice of any licensed healthcare provider.

Searching for a Cigna Dental PPO dentist in your local area? Get in touch with 1-800-DENTIST right away to book your next appointment.