Dental Insurance Cigna – Guide for Choosing the Best Dental Plan

Dental insurance is an important investment as dental care can be expensive, and routine checkups and cleanings are essential for maintaining good oral health. Cigna dental insurance is a popular choice among Americans, providing access to a wide network of dentists and quality dental services. In this guide, we will cover the various dental insurance plans offered by Cigna, what they cover, and how to choose the best plan for your needs.

What is Cigna Dental Insurance?

Cigna is a popular health insurance provider that offers comprehensive dental insurance plans to individuals and families. Their dental insurance plans provide coverage for preventive care, basic services, major services, and orthodontic care.

Preventive Care

Preventive care includes routine checkups, cleanings, and x-rays, which are essential for maintaining good oral health. Most Cigna dental insurance plans cover preventive care at 100%, meaning there are no out-of-pocket expenses for the patient.

Basic Services

Basic services include fillings, extractions, and root canals. Cigna dental insurance plans typically cover basic services at 80%, meaning the patient is responsible for the remaining 20% of the expenses.

Major Services

Major services include crowns, bridges, and dentures. Cigna dental insurance plans cover major services at 50%, meaning the patient is responsible for the remaining 50% of the expenses.

Orthodontic Care

Orthodontic care includes braces and other corrective treatments for misaligned teeth. Cigna dental insurance plans typically cover orthodontic care at 50%, with a lifetime maximum benefit of $1,500.

Types of Dental Insurance Plans Offered by Cigna

Cigna offers three types of dental insurance plans:

1. Cigna Dental Preventive

The Cigna Dental Preventive plan is designed for individuals who only need basic dental services. This plan covers preventive care at 100%, basic services at 80%, and major services at 50%. Orthodontic care is not covered under this plan.

2. Cigna Dental 1000

The Cigna Dental 1000 plan is designed for individuals who need more comprehensive dental coverage. This plan covers preventive care at 100%, basic services at 80%, major services at 50%, and orthodontic care at 50% with a lifetime maximum benefit of $1,500.

3. Cigna Dental 1500

The Cigna Dental 1500 plan is designed for individuals who need the most comprehensive dental coverage. This plan covers preventive care at 100%, basic services at 80%, major services at 50%, and orthodontic care at 50% with a lifetime maximum benefit of $3,000.

How to Choose the Best Cigna Dental Insurance Plan

Choosing the best Cigna dental insurance plan depends on your individual needs and budget. Here are some factors to consider:

Budget

Consider your monthly budget and how much you can afford to spend on dental insurance. The Cigna Dental Preventive plan is the most affordable, but it may not provide enough coverage if you need extensive dental work.

Dental Needs

Consider your dental needs and how often you visit the dentist. If you only need routine checkups and cleanings, the Cigna Dental Preventive plan may be sufficient. If you need more extensive dental work, consider one of the more comprehensive plans.

Orthodontic Care

If you or a family member needs orthodontic care, consider one of the dental insurance plans that cover orthodontic care.

Provider Network

Make sure the dental insurance plan you choose has a provider network that includes your dentist. Cigna has a wide network of dentists, but it’s always a good idea to check before enrolling in a plan.

Cigna Dental Insurance FAQs

Conclusion

Cigna dental insurance provides access to quality dental care at an affordable price. Choosing the best plan for your needs depends on your budget, dental needs, and provider network. By considering these factors and using the information in this guide, you can make an informed decision and get the dental insurance plan that’s right for you.