CIGNA Dental Insurance Review

Rating: 8.4 / 10 (Excellent)
30 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from some partners. 
Learn more.
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. 
















Leave a comment for CIGNA Dental Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

30 Customer Comments & Reviews

Loading Reviews ...
New York, New York
1,000 limit isn't worth the premiums. you spend that is 2 visits a year if you have a serious issue beyond 1,000 it comes out of your pocket anyway. they should make available a plan for oral surgery, etc.

Wallace G
San Ramon, California
I hope this reaches some of you before you buy insurance from this company. Despite what they say regarding partials and dentures for 50% coverage all teeth being (ALL) replaced with denture or partial must have been pulled during the period time of your policy. In other wards, they do not cover pre-existing extractions. You must read the small print. I normally do but side tracked by what they do cover and not the EXCEPTIONS.

Nicole P
Chicago, Illinois
I am a dental office manager for a small office. I called Cigna to go over a claim that was submitted for payment and they were demanding more information before paying. When I called 800-427-4659 I got a gentlemen by the name of Larry who was nice as can be! Not only did he resolve most the issues that they were requesting and had already sent in a narrative, he followed up with me the day the patient was scheduled to come in to have treatment completed. Larry gets two thumbs up in my books for completely going above and beyond!! Not something you get often! Thanks again Larry for your help, and for winning me a cup of coffee from my doctor who didn't believe an insurance... Read More

Durango, Colorado
CIGNA is deceptive. A few examples: 1)CIGNA says it "covers crowns at 50%". Wrong - they cover black, low quality, "low nobel, nickel crowns that will corrode in your mouth at 50%. Ethical dentists don't even place this type of crown. If your dentist places a traditional, common, white crown, it is "downgraded" on the reimbursement to these black crowns and the patient pays the difference - meaning CIGNA covers about 30% on the crowns - even with a CIGNA in-network provider. 2) "Cigna says it covers fillings at 80%" Wrong. They cover amalgam fillings at 80% maybe if you are lucky. White fillings are "downgraded" to sliver and you pay the difference - maybe 50% if you are... Read More

Carlsbad, California
They say they cover most things then you get a bill. Then you have them submit the codes beforehand they say it's fine then the adjusters decide to screw you. Never use them it's a waste of money

Merlin B
Greeley, Colorado
My husband had a 3 year old crown break, and was in pain. The dentist replaced crown and Cigna denied coverage because he had to have crown for 5 years. I ask what we should have done, Cigna rep had no suggestions. I'd think twice before signing up for Cigna. Had Delta Dental at last employer and LOVED Delta Dental.

Jim T
Lake Charles, Louisiana
Refused to pay claim for maintenance cleaning which was $32.50. Benefits are supposed to cover at 50% for this regular cleaning. They wanted me to get history from 5 years ago with a different insurance before they would pay. Unbelievable!

Lansdale, Pennsylvania
This morning I spent two hours speaking to a customer service representative located off-shore. I have never received such poor customer services in my life. Like many of Cigna's paying customers, we are busy and have very little time and energy. I certainly believe in diversity and inclusion, however, I spent the majority of the time on the phone trying to get the representative to understand me. Despite the richness that diversity brings, the representative needs to understand the needs of the paying customer. Back to my incident: once we seemed to come to some type of understanding, the representative failed to send me the information I requested. Shame on Cigna and the CEO... Read More

Alexandria, Virginia
DO NOT.......I REPEAT....DO NOTTT get coverage through them. A bunch of scammers that'll tell you they cover most procedures and services and it's all bullshit. Even when I cancelled my coverage, they billed me for another 3 months!! Called back to get a refund 3 months after I cancelled and they told me they can only refund the last month?! Customer service is TERRIBLE. They make you wait on hold for 20 mins while "transferring" you, then hang up on you. I was finally refunded the full amount after having to talk to 4 Reps and 2 supervisors. Beware and stay away!

Courtneyt W
Mobile, Alabama
I have had an ongoing issue with two claims since June 2016. The dates of services, in question are 3-17-2016 and 3-24-2016. I have primary and secondary coverage and my dentist still made me pay out of pocket. I did question the business office manager as to why I had to pay out of pocket since I have two coverages. She stated that I would later be reimbursed. I faxed over claims forms requesting that payment be sent to me versus the dentist. I also faxed over the bills, from the dentist office, stating that I had a credit and credit card receipts proving I paid it. The dentist received the payment and advised me that they refund me the money and then weeks went by and the business... 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)