The teeth are one of the two parts of the human body that doesn’t regenerate themselves. When there is trouble with your teeth, it is so painful and unbearable. It is very important to keep your teeth in check before they go bad.
Normally, dental services are very costly because few specialize in it coupled with the fact that its resources are always costly. A hole in your teeth will need to be filled with either composite, amalgam, or glass ionomer fillings; all of which are costly.
However, what can save you thousands in getting dental insurance is that you can go for check-ups, dental trauma, and dental caries treatment. You can also get x-rays to check the root of your teeth as well as simple and surgical extraction when your teeth grow abnormally.
Am I saying you won’t need to pay for these services when they occur even though you take good care of your teeth? NO! What I am saying is that you will get to pay way less for these services if you have a dental insurance policy purchased.
Today, I am going to be showing you Cigna Dental insurance, how it works, coverages, and how you can get it. Cigna Dental insurance review is the only thing you will need to conclude getting dental insurance even if you will choose another company. Scroll down to see why?
Table of contents
Overview
Cigna dental insurance is the go-to dental insurance company due to the wide network of a dentist at about 93,000.
They offer excellent and affordable dental services to their clients.
With dental plans starting from $19 per person per month and access to 93,000+ dentists in 297,000+ convenient locations across Cigna’s large nationwide network, it’s easy to find an affordable plan to help you save your smile and your wallet.
Below we will discuss the Cigna dental insurance review.
Read: Bright Health Insurance Review In 2023
Pros
Affordability
Some families visit the dental clinic often due to the condition of their teeth. They spend a considerable lot, and getting Cigna dental plans can save them up to 70% as long as they use the dentists in Cigna networks.
70% percent savings is the real definition of affordable, and if you have visited a dentist before, you will understand what it means.
Nationwide Coverage
with over 93,000 registered dentists in their network, you can get Cigna dental plans in every state in the United States, mostly a stone’s throw away from you
Certified Dentists
Cigna uses the best of the best in their network of dentists; not only are they the best, but they are also certified and duly registered. You can rest assured that your dental health is not in the hand of a quack
No Deductibles nor Copay
You are either covered or not covered based on the plan you bought. You will not be making some side payment for any drugs or treatment.
It will be clearly stated in your plans what you are covered or not covered for, so you should not worry about keeping extra cash for dental visits.
24/7/365 Customer Service
Customer Service around the clock. You can reach them at 1 (800) 997-1654.
Waiting periods
Cigna dental insurance has no waiting period. You get access to care as soon as you complete your registration. However, due to the affordable cost, enrollees will not have access to surgeries(major services) immediately after enrollment.
Mobile application
Cigna platform has a convenient mobile application; that makes it easy to find an in-network dentist. You can also check your coverage and display your insurance ID card with this app.
Cons
- Waiting periods
Waiting periods of six to 12 months for major services
- Implants and cosmetic fixes
Dental implants and cosmetic procedures are not covered
Cigna Dental Plans
Cigna provides dental insurance throughout the U.S. and other locations worldwide. It does not offer coverage in the states of New York or Washington. There are three plans to fit your dental insurance:
- Cigna Dental Preventive: This plan offers 100% coverage for preventive and diagnostic services. Discounts are available for both restorative and orthodontic services.
- Cigna Dental 1000: This plan has a $50 individual deductible plus a family deductible of $150 yearly. The annual maximum benefit is $1,000. You receive coverage for preventive care, diagnostic, and restorative services. There is a discount for orthodontic work when using an in-network provider.
- Cigna Dental 1500: This plan also has a $50 individual deductible and a family deductible of $150 yearly. The annual maximum benefit is $1,000. There is coverage for preventive care, diagnostic, and restorative services. The major difference from Dental 1000 is this plan includes a $ 1,000 lifetime orthodontic care benefit to members of all ages.
| PLAN NAME | PREMIUM/PERSON /MONTH | PREVENTIVE CARE | RESTORATIVE CARE | DEDUCTIBLES | ORTHODONTIC |
| CIGNA DENTAL PREVENTIVE | $19 | $0 | NOT COVERED | NONE | NOT COVERED |
| CIGNA DENTAL1000 | $30 | $0 | UP TO$1000 | $50 | NOT COVERED |
| CIGNA DENTAL1500 | $35 | $0 | UP TO$1500 | $50 | UP TO$1000 |
Cigna Dental Policies
There are six types of policies you can get with Cigna. These policies give you an array of flexibility to choose from. You will be able to choose from the following:
CIGNA Dental Care DHMO
The CIGNA Dental Care DHMO is an inclusive dental plan offered by CIGNA. Choose from one of the many dentist options from the network, and there is no deductible to pay.
In addition, you can obtain coverage right away for the most part and have little or no claim forms to fill out, which can be an arduous task for some individuals who have other dental insurance providers.
The pricing is quite affordable, and options are wide and varied.
CIGNA Dental PPO
For those who are seeking a dental insurance plan with a bit more flexibility regarding the dentist they can select as their dental care provider, the CIGNA Dental PPO plan is a good option.
Preventive procedures are quite affordable as many are included in the premium price at no extra cost to the insured, and specialty services are offered at discounted prices.
In addition, no referral is needed to see a specialty dentist. Although the prices may be a bit more than the DHMO plan, your options will be more expensive.
CIGNA Dental EPO
CIGNA Dental EPO is the exclusive provider organization, and insured individuals can pick from any dentist in the provider network and no referrals are necessary when you need to see a specialist. There are no out-of-pocket expenses for those covered treatments and little or no cost for included treatments/visits.
CIGNA Traditional
The CIGNA Traditional plan allows insured individuals under this plan to visit whomever they want but must pay a deductible and meet waiting periods if so required.
Reimbursements occur thereafter for covered services up to the annual dollar maximum amount.
Read: Travelers Insurance Reviews 2023
CIGNA Flex Advantage
The CIGNA Flex Advantage is a plan offered by this company that will allow insured individuals to switch types of plans monthly if they desire to do so. This gets rid of restrictive plans and requirements, which allows insureds to choose a plan most suitable to their current dental visit situation.
This “no questions asked” option is a good one to keep in mind if you like to have flexibility with dental plans and not be locked into a certain plan for a specific period.
CIGNA Plus Savings
The CIGNA Plus Savings Plan is not an insurance policy but a savings option. Those who take advantage of this plan can go to any dentist and save money on the services provided.
This is a reasonable plan as most families pay anywhere between $8.50 and $10.00 per month.
With the CIGNA Plus Savings plan, individuals who sign up for it can save around 35% off of a wide variety of dental services.
Customer feedback
Cigna receives below-average reviews when compared to its competitors. Overall, customers say the provider network is insufficient, and the customer service is poor when it comes to processing claims.
The biggest complaint has been that the company has not been upfront with the content of its packages for each plan.
Several clients have complained of having to make out-of-pocket expenses during their visit to the dentist, and their plan clearly stated that they are covered.
This case has shown up several times, and below is what one of the clients said:
I am very upset about the way my dental plan was portrayed to me. I asked for a dental PPO plan since that’s what my dentist is in. Then i received an insurance card that said “dental PPO – Cigna dppo advantage”. After my first dentist visit, I discovered this is NOT a PPO plan. So, I am only getting about 50% of my bill covered instead of 100%. Why would you write it as a dental PPO plan when it’s not! I think it’s deliberately misleading!
Nancy O. (7/14/2021)
Read: How Do Insurance Companies Make Money? | 2023 Full Business Model
Frequently asked questions about Cigna dental insurance review
Typically, you can use your dental savings plan within 72 hours of the plan purchase.
Dental savings plans work like the American Automobile Association (AAA) does: you pay a low annual fee to access a network of professionals who offer reduced rates to members. Membership in a dental savings plan likewise allows you to access a network – in this case, of dentists – who offer reduced fees for a variety of dental procedures to plan members.
Unlike traditional dental insurance, there is no waiting period imposed for any of the treatments included in your plan, even the more complex procedures (such as root canals and crowns).
Yes, both plans offer members significant savings on restorative care.
CIGNAPlus Savings has a larger network of participating dentists and also offers discounts on additional health and wellness benefits.
Call cigna @ 1-855-423-7672
You can use either plan to reduce your out-of-pocket dental care costs once you’ve reached the annual maximum on your dental insurance plan. You cannot use your dental insurance and your dental savings plan for the same procedure, following insurance policy rules. Your dentist can, however, help you to coordinate treatment using both your savings and insurance plans.
No. You save directly at the dentist. There are no claims to file and no waiting for reimbursement.
No, both are dental savings plans – an established, affordable alternative to traditional insurance. Dental savings plans provide the flexibility and features preferred by people who find that standard dental insurance doesn’t fully meet their oral health needs.
No. You must see a participating dentist receive the discounts associated with your Preferred Network Access by CIGNA or the CIGNAPlus Savings plan.
Yes. If you find a lower price online for the dental savings plan you’ve chosen, we’ll match that price. There is no need to choose between saving a few dollars and receiving the best customer care from CignaDentalPlans.com, a company that you can trust. Certain exclusions apply.
Conclusion
Cigna has rendered the best of dental services in the US for decades now and this Cignal dental insurance review is just to see if they are still at the top like they have always been.
The ratings are still there, but clients have been complaining about the cover in their packages.
This is in two ways, either the client did not understand what they are buying or there is a problem with Cigna packages.
Kindly ask all questions before you eventually sign up for a package so that you will be in the know.
References
- THE BALANCE: Cignal dental insurance policy review
- CONSUMERS ADVOCATE: Cignal dental review
- INVESTOPEDIA: Best dental insurance
- BEST DENTIST GUIDE: Cigna dental plans
- CIGNAL DENTAL: Dental insurance plan
- VALUE PENGUIN: Cigna health insurance review
Recommendation
