Plans insured by Cigna Health and Life Insurance Company

Cigna Dental 1500

Plans starting from $35 per person, per month1

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When you know you need dental care, this plan offers the most coverage of our 3 dental insurance plans. This dental coverage can help you take care of check-ups, cavities, gum disease, and major dental work.2 This is also our only dental plan with coverage for braces and other orthodontia (capped at a $1,000 lifetime limit and 12-month waiting period applies).

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 period for restorative care, so you can get that filling or root canal right away.Otherwise, there is a waiting period of 6 months for basic restorative services or 12 months for major restorative services.3

With this flexible dental Preferred Provider Organization (DPPO) plan, you can see any dentist, but you’ll save money by choosing a Cigna DPPO Network Advantage dentist.4

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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 claim filing 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+ convenient locations5. Choose from in-network or out-of-network providers. Stay in-network to get the most benefits.
  • Digital tools for members, including the myCigna® mobile app.6
  • 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 services) $50 per person (waived for preventive services)
Family Calendar Year Deductible $150 per family (waived for preventive services) $150 per family (waived for preventive services)

Calendar Year Benefit Maximum
(For Class I, II, and III services)

$1,500 per person $1,500 per person
Lifetime Orthodontia Deductible $50 per person $50 per person
Lifetime Orthodontia Maximum $1,000 per person $1,000 per person
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 Fee4
Procedure Frequency/Limitation7
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 *
Procedure Frequency/Limitation7
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
Procedure Frequency/Limitation7
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 12-month waiting period 12-month waiting period
Orthodontia You pay 50% of the provider's contracted fee (after separate lifetime deductible) You pay the difference between the provider's actual billed charges and 50% of the Contracted Fee after separate lifetime deductible4 *
Orthodontia Individual Lifetime Maximum $1,000 per person $1,000 per person
Procedure Frequency/Limitation7
Orthodontia The total amount payable for all expenses incurred for orthodontics during a person’s lifetime will not be more than the orthodontia maximum

State-Specific Details

Learn more about the benefits and coverage included in the Cigna Dental 1500 plan by selecting the state where you live:

This summary contains highlights only and is subject to change.

All State Policy Disclosures, Exclusions, Limitations, and Reductions

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Questions about Cigna Dental plans?

Call us at 1 (855) 226-0509, Monday-Friday, 8 am-8 pm ET.

1Sample monthly rate is based on a single person and represents Cigna's national average rate for the Cigna 1500 dental 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.

4You 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).

5Cigna data as of March 2020. Subject to change.

6The 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.

7For Maryland customers, please refer to the Summary of Benefits for Frequency/Limitation information.