Get an annual AARP membership for only $12. Limited time offer.

Get 25% Off

Cigna Dental Plans for Seniors

Cigna offers affordable dental coverage, 24/7 customer support, and plans in all 50 states.

SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines

SeniorLiving.org Rating:
4.5 of 5
Prices start at under $20 per month
Discount savings program
4 dental plans
24/7 customer service

SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines

SeniorLiving.org Rating:
4.5 of 5
Ana Durrani
Ana Durrani, Journalist and Contributor Read About Our Panel of Experts

If you’re on the hunt for a good insurance plan with affordable premiums, Cigna’s dental plans should be on your radar. In the insurance industry for more than 200 years,1 Cigna has earned its reputation as a major carrier and has dental plans that offer full coverage for preventive care. Cigna is one of our picks for the best dental plans for seniors.

Unlike other dental providers with more limited nationwide coverage, including Anthem Blue Cross Blue Shield, Cigna’s dental plans are available in all 50 states. More than 17 million choose Cigna Healthcare Dental.2 In this review, we will take a look at Cigna dental plans to help you narrow your search for the best dental plan for your needs and budget.

Cigna Dental Coverage Options

Here’s an overview of Cigna’s dental plans, which are Preferred Provider Organizations — also known as PPO plans. No primary dentist is required for PPOs.

Cigna Dental Preventive

Best for: seniors who need preventive care with the lowest possible monthly premium.

The Cigna Dental Preventive plan has no annual deductible or maximum. It provides 100 percent coverage for preventive care for routine dental check-ups every six months, including cleanings and routine X-rays. Similar to UnitedHealthcare, Cigna provides 100 percent coverage for preventive care with no waiting periods.

Cigna Dental 1000

Best for: people who need occasional work beyond their regular check-ups.

Cigna Dental 1000 has an annual maximum of $1,000 and a yearly deductible of $50 for individuals and $150 for families for basic and major care. It provides 100 percent coverage for preventive care and routine dental check-ups every six months, including cleanings and routine X-rays. Basic services are covered at 80 percent after a six-month waiting period and major services are covered at 50 percent after a 12-month waiting period. Dentures are covered at 50 percent after a 12-month waiting period.

Did You Know?

Did You Know? Research shows that gum inflammation (gingivitis) increases your chances of getting lung disease, heart disease, blood vessel blockage, and strokes.3

The plan provides comprehensive preventive and moderate coverage for basic and major restorative services, plus it has a manageable annual maximum. The plan isn’t good for people who want to avoid waiting periods. Mutual of Omaha, for comparison, offers coverage without waiting periods.

Cigna Dental 1500

Best for: people who expect to have extensive dental care, since the higher annual benefit maximum allows more coverage for more dental work.

The Cigna Dental 1500 plan’s annual maximum is $1,500, and it has a yearly deductible of $50 for individuals or $150 for families for basic and major care. The plan covers 100 percent of preventive care and routine dental check-ups every six months, including cleanings and routine X-rays. The plan covers 80 percent of basic services after a six-month waiting period and 50 percent of major services after a 12-month waiting period. It only covers 50 percent for dentures. The plan covers 50 percent of orthodontics up to $1,000 lifetime, with a $50 lifetime deductible.

Cigna Dental 3000/100

Best for: seniors who require extensive dental procedures and want higher annual benefits.

The 3000/100 plan has an annual maximum of $3,000 and an annual deductible of $100. It covers 100 percent of preventive care and routine dental check-ups every six months, including cleanings and routine X-rays. It covers basic services at 50 percent after a six-month waiting period and 50 percent of major services after a 12-month waiting period. Dentures are covered at 50 percent after a 12-month waiting period.

FYI:

FYI: The Cigna Dental Savings program can be a good alternative to traditional dental insurance, and help save up to 40 percent on dental care expenses. You just need to pay a low annual fee to join. It’s perfect for seniors who want immediate dental care, no waiting period, and coverage for dental care their health plan doesn’t cover.

Cigna Dental Plan Costs

Cigna dental plan costs depend on age and location. Below is a sample of average rates for a single individual taken from the Cigna website. All customers receive 24/7 customer service every day of the year. Customers can use the Brighter Score feature for dental plan access and help choosing the right dentist at myCigna.com or on the myCigna App.

Cost per month Annual maximum Annual deductible Other features
Cigna Dental Preventive $19 $0 $0 $0 for routine dental check-ups, including cleanings and routine X-rays
Cigna Dental 1000 $33 $1,000 $50 individual and $150 family annual deductibles apply to basic and major restorative services $0 for routine dental check-ups, including cleanings and routine X-rays
Cigna Dental 1500 $39 $1,500 $50 individual and $150 family annual deductibles apply to basic and major restorative services $0 for routine dental check-ups, including cleanings and routine X-rays
Cigna Dental 1000/300 $32 $3,000 $100 individual annual deductible applies to all dental services, including preventive, basic, and major dental restorative services $0 for routine dental check-ups, including cleanings and routine X-rays

Cigna Medicare Advantage Plans With Dental Coverage

Medicare does not cover routine oral health and dental care for seniors. Cigna Medicare Advantage plans, however, provide coverage by combining Medicare Part A, Part B, and often Part D coverage. Some plans may include dental, vision, and hearing benefits as well. The plans get team-based support, have low or no monthly premiums, and come with 24/7 telehealth care, and customers get flexible options such as PPO or HMO plans to meet their cost and coverage needs.

Read our guides to the best Medicare Advantage plans and best dental supplement plans for more details.

How to Purchase a Cigna Dental Plan

To get a quote with Cigna, you can fill out a form and add your ZIP code, state, date of birth, coverage start date, and the type of coverage you seek. After you receive the quote, you can purchase your plan online.

Did You Know?

Did You Know? Older adults should monitor their mouths for changes, because the risk for oral cancer increases with age. Any changes in your mouth for more than two weeks should be addressed by your doctor or dentist.4

Cigna’s phone representatives can be reached from 8 a.m. to 8 p.m. ET on weekdays. For assistance with dental insurance policies, you can contact customer service 24/7. Additionally, myCigna account holders can chat online with a representative between 9 a.m. and 8 p.m. ET on weekdays. Customers can use the app to make payments and find in-network providers. For answers to common dental insurance questions, customers can visit the knowledge center on the website.

Cigna Dental Reviews

Customer reviews for Cigna dental plans praise good coverage for preventive, basic, and major services, and for having a big network of dentists. Negative reviews detail poor customer service, billing discrepancies, long reimbursement wait times, a complicated quote process, and not having dental implants included in coverage.

Final Thoughts

Cigna doesn’t offer coverage for dental implants and waiting periods are required for both basic and major care, but its plans are quite affordable, starting at under $20 per month. Cigna’s 100 percent coverage for preventive care is excellent. Its budget-friendly dental plans can help you save money without missing out on important dental care. Customers should note that premiums and plans are based on your location.

Frequently Asked Questions

Citations
  1. The Cigna Group. (2024). Milestones.

  2. Cignia. (2024). Affordable Dental Insurance Plans.

  3. Harvard Health. (2024). The senior's guide to dental care.

  4. MyHealthfiner. (2022). Oral Health for Older Adults: Quick Tips.

Written By:
Ana Durrani
Journalist and Contributor
Read About Our Panel of Experts
Ana has covered a wide range of topics in her 20-plus-year career as a journalist, contributing to numerous international and domestic publications. For several years she served as a regular contributor to Realtor.com. Some of the publications she’s written for… Learn More About Ana Durrani