You know dental care is important. Keep dental expenses down with an affordable plan that covers the preventive dental care you and your family need. This plan can also help you take care of cavities, gum disease, and major dental work. Annual exams, routine x-rays, and cleanings are covered at 100% when you visit a Cigna Dental Preferred Provider Organization (DPPO) Advantage provider.2
If you had a qualified dental insurance plan in place for at least 12 consecutive months before you joined Cigna, we will waive the waiting periods for restorative care, so you can get that filling or root canal right away. If you’ve been without dental insurance, there is a waiting period of 6 months for basic restorative services and 12 months for major restorative services.3
With this flexible dental PPO plan, you can see any dentist, but you may save money by choosing from our national network of 93,000+ unique dentists in more than 297,000+ convenient locations across Cigna's large nationwide network.4
Benefits of All Cigna Dental Plans
- Convenient billing and payments. Get your medical and dental insurance statements on one bill if you have Cigna for both.
- No claims submissions when you visit an in-network dentist. Cigna network dentists submit claims automatically.
- No need to choose a primary dentist. And no referrals needed for specialist care.
- Access to our national network of over 93,000+ unique dentists in 297,000+ locations. Choose from in-network or out-of-network providers. Stay in-network to get the most benefits.4
- Digital tools for members, including the myCigna® mobile app.5
- 24/7/365 live customer service when you need it. Current customers call: 1 (800) 997-1654
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
| Individual Calendar Year Deductible | $50 per person (waived for preventive services2) | $50 per person (waived for preventive services2) |
| Family Calendar Year Deductible | $150 per family (waived for preventive services2) | $150 per family (waived for preventive services2) |
| Calendar Year Benefit Maximum (For Class I, II, and III services) |
$1,000 per person | $1,000 per person |
| Lifetime Orthodontia Deductible | Not covered | Not covered |
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
| Preventive/Diagnostic Services Waiting Period | None | None |
| Preventive Diagnostic Services (Oral exams, cleanings, x-rays, fluoride application, sealants, non-orthodontic space maintainers) | You pay $0 | You pay the difference between the provider's actual billed charges and 100% of the Contracted Fee .4 See your Summary of Benefits. |
| Procedure | Frequency/Limitation6 |
|---|---|
| Oral Exams | 1 per consecutive 6-month period |
| Routine Cleanings | 1 routine prophylaxis or periodontal maintenance procedure per consecutive 6-month period (routine prophylaxis is Class I; periodontal maintenance procedure is Class III). |
| Routine X-Rays | Bitewings: 1 set in any consecutive 12-month period. Limited to a maximum of 4 films per set. |
| Fluoride Treatment | 1 per consecutive 12 months for participants less than age 14 |
| Sealants | 1 treatment per tooth per lifetime. Payable on unrestored permanent bicuspid or molar teeth for participants less than age 14 |
| Space Maintainers (non-orthodontic) | Limited to non-orthodontic treatment for prematurely removed or missing teeth for a person less than 14 years old |
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
| Basic Restorative Services Waiting Period | 6-month waiting period3 | 6-month waiting period3 |
| Basic Restorative Services (Fillings, non-routine x-rays) | You pay 20% of the provider's contracted fee (after deductible) | You pay the difference between the provider's actual billed charges and 80% of the Contracted Fee after deductible4. See your Summary of Benefits. |
| Procedure | Frequency/Limitation6 |
|---|---|
| Fillings | 1 per tooth per 12 consecutive months (applies to replacement of identical surface fillings only). No white/tooth colored fillings on bicuspid or molar teeth |
| Non-routine X-Rays | Full mouth or Panorex: 1 per 60 consecutive months |
| Routine Tooth Extraction | Includes an allowance for local anesthesia and routine postoperative care |
| Emergency Treatment | Paid as a separate benefit only if no other service, except x-rays, is rendered during the visit |
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
| Major Restorative Services Waiting Period | 12-month waiting period3 | 12-month waiting period3 |
| Major Restorative Services5 | You pay 50% of the provider's contracted fee (after deductible) | You pay the difference between the provider's actual billed charges and 50% of the Contracted Fee after deductible4. See your Summary of Benefits. |
| Procedure | Frequency/Limitation6 |
|---|---|
| Periodontal (Deep Cleaning) | 1 per quadrant per consecutive 36 month period |
| Periodontal Maintenance | Payable only if a consecutive 6 month period has passed since the completion of active periodontal surgery. 1 periodontal maintenance or routine prophylaxis procedure per consecutive 6 month period (periodontal maintenance procedure is Class III; routine prophylaxis is Class I) |
| Crowns | 1 per tooth per consecutive 84 month period. Benefits are based on the amount payable for non-precious metals. No porcelain or white/tooth-colored material on molar crown or bridges. Replacement must be indicated by major decay. For participants less than 16, benefits limited to resin or stainless steel |
| Root Canal Therapy | Re-treatment of a previous root canal is covered if 24 consecutive months have passed since the original root canal. |
| Wisdom Tooth Extraction | Includes an allowance for local anesthesia and routine postoperative care |
| Dentures and Partials | 1 per arch per consecutive 84 month period |
| Bridges | 1 per consecutive 84 month period. Benefits will be considered for the initial replacement of a Necessary Functioning Natural Tooth extracted while the person was covered under this plan. |
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
| Orthodontia Waiting Period | None | None |
| Orthodontia | Not covered | Not covered |
| Orthodontia Individual Lifetime Maximum | Not applicable | Not applicable |
| Procedure | Frequency/Limitation |
|---|---|
| Orthodontia | Not covered under this plan. Discounts may apply. |
State-Specific Details
Learn more about the benefits and coverage included in the Cigna Dental 1000 plan by selecting the state where you live:
- Alabama Summary of Benefits
- Alaska Summary of Benefits
- Arizona Summary of Benefits
- Arkansas Summary of Benefits
- California Summary of Benefits
- Colorado Summary of Benefits
- Connecticut Summary of Benefits
- Delaware Summary of Benefits
- Florida Summary of Benefits
- Georgia Outline of Coverage
- Hawaii Summary of Benefits
- Idaho Summary of Benefits
- Illinois Summary of Benefits
- Indiana Summary of Benefits
- Iowa Summary of Benefits
- Kansas Summary of Benefits
- Kentucky Summary of Benefits
- Louisiana Summary of Benefits
- Maine Summary of Benefits
- Maryland Summary of Benefits
- Massachusetts Summary of Benefits
- Michigan Summary of Benefits
- Minnesota Summary of Benefits
- Mississippi Summary of Benefits
- Missouri Summary of Benefits
- Montana Summary of Benefits
- Nebraska Summary of Benefits
- Nevada Summary of Benefits
- New Hampshire Summary of Benefits
- New Jersey Summary of Benefits
- New Mexico Summary of Benefits
- New York Summary of Benefits
- North Carolina Summary of Benefits
- North Dakota Summary of Benefits
- Ohio Summary of Benefits
- Oklahoma Summary of Benefits
- Oregon Summary of Benefits
- Pennsylvania Summary of Benefits
- Rhode Island Summary of Benefits
- South Carolina Summary of Benefits
- South Dakota Summary of Benefits
- Tennessee Summary of Benefits
- Texas Summary of Benefits
- Utah Summary of Benefits
- Vermont Summary of Benefits
- Virginia Summary of Benefits
- Washington Summary of Benefits
- West Virginia Summary of Benefits
- Wisconsin Summary of Benefits
- Wyoming Summary of Benefits
- Arkansas Outline of Coverage
- California Outline of Coverage
- Connecticut Outline of Coverage
- Delaware Outline of Coverage
- Florida Outline of Coverage
- Georgia Outline of Coverage
- Idaho Outline of Coverage
- Illinois Outline of Coverage
- Iowa Outline of Coverage
- Kansas Outline of Coverage
- Maine Outline of Coverage
- Massachusetts Outline of Coverage
- Mississippi Outline of Coverage
- Missouri Outline of Coverage
- Montana Outline of Coverage
- Nevada Outline of Coverage
- New Hampshire Outline of Coverage
- New Jersey Outline of Coverage
- New Mexico Outline of Coverage
- New York Outline of Coverage
- North Dakota Outline of Coverage
- Oklahoma Outline of Coverage
- Oregon Outline of Coverage
- Pennsylvania Outline of Coverage
- Rhode Island Outline of Coverage
- South Carolina Outline of Coverage
- South Dakota Outline of Coverage
- Texas Outline of Coverage
- Utah Outline of Coverage
- Vermont Outline of Coverage
- West Virginia Outline of Coverage
- Wisconsin Outline of Coverage
All State Policy Disclosures, Exclusions, Limitations, and Reductions
This summary contains highlights only and is subject to change.
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1Sample monthly rate is based on a single person and represents Cigna's national average rate for the Cigna 1000 plan (all ages and geographic locations) and reflects rates valid through June 30, 2021.
2Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Dental plans in MD cover one dental cleaning per calendar year.
3Waiting periods may vary by state. Dental plans apply waiting periods to covered basic (6-months), major (12-months) and orthodontic (12-months) dental care services. In WV, a 3-month waiting period applies to covered basic, major and orthodontic dental care services. In IL, NJ and VT, a 6-month waiting period applies to covered major and orthodontic dental care services. In NM, a 6-month waiting period applies to covered major dental care services. In PA, waiting periods do not apply to covered basic dental care services. Waiting periods do not apply in RI. Dental plans do not apply waiting periods to covered preventive/diagnostic services and temporomandibular joint services in AR, NM, NV, MN and VT.
4Cigna data as of March 2020. Subject to change. You may pay more for out-of-network charges if the dentist's charges exceed the amount Cigna reimburses for billed services. Covered expenses for Non-Participating Providers (Out-of-Network) are based on the Contracted Fee which may be less than Actual Billed Charges. Non-Participating Providers can bill you for amounts exceeding covered expenses (often called Balance Billing). Balance Billing is when a Non-Participating Provider bills you for the difference between the charges for a service, and what Cigna will pay for that service after coinsurance and Contracted Fee have been applied. The Contracted Fee is the most Cigna will pay a dentist for a covered service or procedure for out-of-network dental care that is based on a basic Cigna DPPO Advantage fee schedule within a specified area. For Massachusetts and Alaska customers: You pay the difference between the provider’s Actual Billed Charges and the Maximum Reimbursable Charge. For Maryland customers, please refer to the Summary of Benefits for Frequency/Limitation information.For AR, MN, NM, NV and VT customers, coverage is provided for Temporomandibular Joint Dysfunction (TMJ) services, non-surgical, at 50% in-network and out-of-network (plan deductible applies).
5The downloading and use of the myCigna® mobile app is subject to the terms and conditions of the app and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.
6For Maryland customers, please refer to the Summary of Benefits for Frequency/Limitation information.