When you need coverage for dental check-ups, Cigna Dental Preventive is an affordable choice. You will pay $0 for a dental exam every 6 months2 including cleanings, oral exams, and routine x-rays with no deductibles or copays, when you visit any of the over 93,000+ dentists in 297,000+ convenient locations3 across Cigna's large nationwide network.1
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 filling 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 large nationwide network of over 93,000+ unique dentists in 297,000+ convenient locations.3 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 |
Not applicable |
Not applicable |
|
Family Calendar Year Deductible |
Not applicable |
Not applicable |
|
Calendar Year Benefit Maximum |
Not applicable |
Not applicable |
| 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/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 |
Not applicable |
Not applicable |
|
Basic Restorative Services (Fillings, non-routine x-rays) |
You pay 100% of the provider's actual billed charges4 |
You pay 100% of the provider’s actual billed charges |
| Procedure | Frequency/Limitation5 |
|---|---|
|
Fillings |
Not covered under this plan. |
|
Non-routine X-Rays |
Not covered under this plan. |
|
Routine Tooth Extraction |
Not covered under this plan. |
|
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 |
Not applicable |
Not applicable |
|
Major Restorative Services2 |
You pay 100% of the provider's actual billed charges4 |
You pay 100% of the provider’s actual billed charges2
|
| Procedure | Frequency/Limitation6 |
|---|---|
|
Periodontal (Deep Cleaning) |
Not covered under this plan. |
|
Periodontal Maintenance |
Not covered under this plan. |
|
Crowns |
Not covered under this plan. |
|
Root Canal Therapy |
Not covered under this plan. |
|
Wisdom Tooth Extraction |
Not covered under this plan. |
|
Dentures and Partials |
Not covered under this plan. |
|
Bridges |
Not covered under this plan. |
| Benefit | DPPO Advantage Network | Out-of-network |
|---|---|---|
|
Orthodontia Waiting Period |
Not applicable |
Not applicable |
|
Orthodontia |
You pay 100% of the provider's actual billed charges4 |
You pay 100% of the provider’s actual billed charges |
|
Orthodontia Individual Lifetime Maximum |
Not applicable |
Not applicable |
| Procedure | Frequency/Limitation6 |
|---|---|
|
Orthodontia |
Not covered under this plan. |
State-Specific Details
Learn more about the benefits and coverage included in the Cigna Dental Preventive 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 Summary of Benefits
- 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
This summary contains highlights only and is subject to change.
All State Policy Disclosures, Exclusions, Limitations, and Reductions
1Sample monthly rate is based on a single person and represents Cigna's national average rate for a Preventive Dental plan (all ages and geographic locations) and reflects a rate 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.
3Cigna internal data as of March 2020. Subject to change.
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 [PDF] 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 [PDF] for Frequency/Limitation information.
This summary contains highlights only and is subject to change.