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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
84 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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84 Customer Comments & Reviews
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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... Read More
I have had Cigna through my employer for 12 years. They have refused to pay my sons claim since August because his father has the same insurance and they want our divorce agreement from 10 years ago to see who should be primary. We do not have want to disclose these documents we don’t have any longer and would have to take a trip to the courthouse to get. My ex has even called them as well and they still have not paid the claim. It is going to start effecting my credit. I mean really Cigna we both have your insurance!
this is a no star company on their ratings...RUN AWAY FROM THESE THIEVES! will be as brief as possible with the rip offs these folks are.. have had corporate insurance for 30 years that paid for everything. Exited the corporate grind 5 years ago and thru my insurance company USAA who I have been a member with for 40 years received and had an opportunity to get Dental Insurance with these thieves. have always paid more than they have paid out for claims. It started at $52 a month for my wife and I. After 18 months they jacked the cost to $72 per month which we pay. After 3.5 years of being on the plan and never missing a payment they wrote me on 1/2/18 and terminated the contract... Read More
I have CIGNA for our family. It seemingly works OK as long as you are in network. If you have the gall to go out of network, it is completely useless. My daughter needs to have 2 teeth pulled. Her out of network dentist charges $148 per tooth and $48 for nitrous. Because they're out of network, CIGNA's "Fee Schedule" is $70 per tooth (I've called around and that's a laughable rate - no dentist charges that) and of that $70, CIGNA will only pay 70% so $49. After meeting my deductible, I'm out of pocket 85% of this. I'm really curious what I pay monthly insurance premiums for. I called an in network dentist and learned for the same procedure they'd cover the extraction at $148 per tooth. I... Read More
MARCO NORIEGA WORST ins. scam ever. Told by sales person all services will be covered as of Feb. DDS sent pre-the dental office send the claim for implant and crowns. Implant denied in April and crowns was ignored. It was said to be denied 3 days before this call. Cigna denied the service case was out network out side the country we never have any issue with Edana in pass they look for any excuse not pay the claim i have to pay out packet for my wife implant after the the dental office send a claim for crowns and extraction the also denied fine other excuse the they do not work with estimates on any phone call. They can not get it programmed properly and have spent over an hour just... Read More
RIP OFF!!! NO NEED TO GET INSURANCE IF YOUR GOING TO PAY THE SAME COST AS YOU WOULD WITHOUT INSURANCE! WORST EXPERIENCE EVER!
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)