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- 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)
CIGNA Dental Insurance Review
ConsumersAdvocate.org
89 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
Premiums
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).
Summary
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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89 Customer Comments & Reviews
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I have Cigna through my company. My dental premiums are decent, but have been trying to get them to cover implants for over a year. My plan covers implants, but they have constantly changed the reason for not covering it. Their follow up has been unreliable and my dentist and oral surgeon has resubmitted several different forms of documentation. This is a very sad situation!
I recently had a question regarding benefits. My dental office asked me for a payment after the service. I usually pay upfront, but thought the fee was higher than it should be. Kelsey from Cigna said she would call the office for me the next day as the office was closed due to weather. She followed up and the fee was infact not correct. Who want to pay more than they have to. I thought the professional service and the follow up for me was wonderful customer service. Most providers would leave it up to the patient to do the ground work. Thanks Kelsey and Cigna...much appreciation
from me!!
When shopping for an dental insurance plan they assured me my dentist was in-network so we signed up. Then months later I needed a crown and now they're saying my dentist is out-of-network and stuck me with the massive bill. Bait & Switch!! How can they do that without informing us? Don't waste your money on Cigna dental.
stay away!!!! you pay for insurance that doesn't cover. if you need bridge work search through their fine print before having work done! because you're probably not covered according to their policy.
Stay away from cigna have over ten grand in my daughters teeth from braces and other work and then cigna want pay for white filling in a couple of her back teeth I have to pay it I don't think they should have a right to tell you what kind or color of the filling can be
Terrible billing system. Un-capable of accepting new information. They don't send out letters like they claim and coverage gets dropped unbeknownst to the policy-holder. Over-all company with no value to the individual person.
My dentist charged $278 for a procedure. My responsibility should have been 20% of that. But Cigna uses the "contracted amount" to calculate my 20%. The contracted amount in this case was $488. So, Cigna calculates my responsibility as 20% of $488, not 20% of the actual billed amount of $278. But Cigna only pays the difference between my responsibility and what the dentist actually charged. So, in the end, the dentist only gets the $278 they charged, but I pay more than Cigna does.
I tried to sign up for Cigna 1500 dental plan today. Horrible customer service. The first person I spoke to was extremely condescending. Then I tried calling the 1- 800 to see if someone other than a sales agent could help me. NOPE. Second sales agent was rude and unprofessional. He did call to see if the service I wanted was covered and told me it is not. Um. Ok.
For the heck of it I called rude guy number and gave him the codes. He gets back to me with the answer that it should be covered but it depends on the documentation the dental office provides. I have just entered crazy land here. When I asked what he was talking about he said he doesn't know he doesn't work at a dental office.
...Read More
Perhaps my experience with Cigna is indicative of what the typical consumer deals with an dental insurance provider. I hope not. I have had nothing but terrible experiences with Cigna. When my dentist referred me to an oral surgeon for some work, I had the doctor's office call to see if the doctor was in-network. Cigna assured my doctor's secretary they were in-network. They were not. Cigna didn't even apologize for the miscommunication. I then had some fillings repaired. Cigna would not pay for them, because they are in the back of the mouth and they don't pay for tooth colored fillings. Their "in-network" dentist I chose, doesn't do any other kind of filling. So I was stuck paying again...Read More
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 wh...Read More
Top Rated
Our Partner
- 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)