CIGNA Dental Insurance Review

Rating: 8.4 / 10 (Excellent)
30 Customer Comments & Reviews - see all comments
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Founded in 1982, Cigna is a health and life services organization with headquarters in Connecticut and Philadelphia. Cigna offers health plans and related products, such as workers compensation, group, life, accident, and disability insurances. The company, which currently employs over 30,000 people and services 86 million customers in 30 countries, holds an A+ rating with the BBB.

CIGNA Dental Review

CIGNA Dental has one of the biggest network of dentists in the country today. It provides a wide selection of individual and group dental insurance plans. 

What's included with CIGNA Dental

Plan Reviewed

MYCIGNA Dental 1500 Plan

How much does it save you?

Deductible waived for preventive services, 20% payout after deductible, 50% payout after deductible


Individual (ages 18–59) $30.00 /mo
Individual (ages 60+) $38.00 /mo
Individual + Spouse $55.50 /mo
One-Parent Family (1 adult, 2 children) $70.80 /mo
Two-Parent Family (2 adults, 2 children) $96.30 /mo

Annual Maximum

$1000 per person

Treatments Covered and Reimbursement

Excellent list of treatments covered for Basic, Preventive and Major services


Fine Print

You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna reimburses for billed services.

You may be eligible to waive the waiting period with prior qualified coverage, not applicable to orthodontia.

Dental rates may vary based on age and geographic location (residential zip code).



CIGNA Dental offers great savings on preventive, basic and major treatments. However, they tend to be on the costlier side so it's a good idea to check for other available packages. Premiums and plans are subject to your location. 
















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30 Customer Comments & Reviews

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Hillsboro, Oregon
My wife and I signed up for a CIGNA plan for seniors and, so far, it's the worst. The rules have changed several times trying to get a claim through. Each time we think we have corrected the problem, oh wait, there is yet just one more step to complete. We have both had periodontal surgery done and CIGNA offers a service where they will cover extra cleanings. All you have to do it fill out a simple for and send it in. First hurdle, they give only a fax and PO Box to return the form (who still has a fax machine???). I called with an issue and I was given an email address to send the forms to. I did. Nothing happened. Called again, had to send the form to a different email. I did that... Read More

Ashley D
Waterbury, Connecticut
I have had Cigna through my employer for 12 years. They have refused to pay my sons claim since August because his father has the same insurance and they want our divorce agreement from 10 years ago to see who should be primary. We do not have want to disclose these documents we don’t have any longer and would have to take a trip to the courthouse to get. My ex has even called them as well and they still have not paid the claim. It is going to start effecting my credit. I mean really Cigna we both have your insurance!

Matt C
Saint Augustine, Florida
this is a no star company on their ratings...RUN AWAY FROM THESE THIEVES! will be as brief as possible with the rip offs these folks are.. have had corporate insurance for 30 years that paid for everything. Exited the corporate grind 5 years ago and thru my insurance company USAA who I have been a member with for 40 years received and had an opportunity to get Dental Insurance with these thieves. have always paid more than they have paid out for claims. It started at $52 a month for my wife and I. After 18 months they jacked the cost to $72 per month which we pay. After 3.5 years of being on the plan and never missing a payment they wrote me on 1/2/18 and terminated the contract... Read More

Calabasas, California
I have CIGNA for our family. It seemingly works OK as long as you are in network. If you have the gall to go out of network, it is completely useless. My daughter needs to have 2 teeth pulled. Her out of network dentist charges $148 per tooth and $48 for nitrous. Because they're out of network, CIGNA's "Fee Schedule" is $70 per tooth (I've called around and that's a laughable rate - no dentist charges that) and of that $70, CIGNA will only pay 70% so $49. After meeting my deductible, I'm out of pocket 85% of this. I'm really curious what I pay monthly insurance premiums for. I called an in network dentist and learned for the same procedure they'd cover the extraction at $148 per tooth. I... Read More

Atlanta, Georgia
MARCO NORIEGA WORST ins. scam ever. Told by sales person all services will be covered as of Feb. DDS sent pre-the dental office send the claim for implant and crowns. Implant denied in April and crowns was ignored. It was said to be denied 3 days before this call. Cigna denied the service case was out network out side the country we never have any issue with Edana in pass they look for any excuse not pay the claim i have to pay out packet for my wife implant after the the dental office send a claim for crowns and extraction the also denied fine other excuse the they do not work with estimates on any phone call. They can not get it programmed properly and have spent over an hour just... Read More

Linthicum Heights, Maryland

Gran M
Tacoma, Washington
WORST ins. scam ever. Told by sales person all services will be covered as of July. DDS sent pre-authorization for implant and bridge. Implant denied in Sept. and bridge was ignored. It was said to be denied 3 days before this call. Cigna has my birth date listed wrong so I can't log in and have big hassle on any phone call. They can not get it programmed properly and have spent over an hour just today being transferred from one person to another and the call was dropped. I cancelled this policy today and will file an Insurance Commissioner claim as they say they can't prorate this months payment and it started on the 7th and it is now the 19th.

Chicago, Illinois
Apparently I'm in the minority here. My husband and I have the $2,000 per person 100/80/50 cigna connection dental plan thru my work. We've never had an issue with claims being paid or customer service. Being a PPO we kept our dentist. The first year my husband got 6 fillings and a lower partial. Each filling cost us $25 and his partial totaling $500 after cigna paid out and adjusted the cost based on cignas discounted rate. I had 3 fillings, a root canal, and a crown totaling $360. Of course our cleanings, exams, and x-rays were all free. The receptionist at our dental office said she wished everyone had our coverage, they've always paid out within 30 days of treatment. Everytime I've... Read More

John F
Bellflower, California
Hello. I am a new member to CIGNA dental Insurance and I called customer support because I needed help locating my designated dentist. Before the call I found a dental office I wanted to go to that accepts CIGNA and I was informed that I must get a transfer to be able to go there. When I called CIGNA customer support a gentleman named Jim answered. He was polite, professional, informative and efficient. I got into contact with the new office immediately and got mine and my wife's transfer accepted. He explained how to view my benefits, when I can start going to the new office and provided me with confirmation of the process and new dental cards sent via mail. He explained how charges work... Read More

Philip P
Moody, Texas
Jan, '17, got my first bill. Called to find a dentist & review personal data. They had the wrong CC #; but were going to debit it anyhow. After a long discussion, CS rep said she would review it & correct the wrong CC. Still no correction or debits from any of my CCs for pmts. from any of my CCs. I've been in/out of hospital for congestive heart failure - so haven't taken care of this in a timely manner. We have not used a dentist in all of 2017 so I wouldn't be charged with fraud/ID theft. I called again in March. Gave same complaint because the rep said there were no notes in my file. She assured me she would correct it and someone would call me. No call. "My" June pmt was declined... Read More

Top Rated
Our Partner
9.8 / 10
  • Unlimited Use
  • Pre-Existing Conditions Included in Plan Savings
  • Plans Start at $99/Year for Discounted Rates on Dental Procedures
  • 100,000+ Dental Access Points Nationwide
  • A+ Grade with the BBB
  • Voted #1 in Ethics by Dallas Morning News
  • Discount Dental Plan (Not Insurance)