Dental insurance is one of the most important coverages for maintaining your oral health and avoiding unexpected expenses. Cigna, one of the leading dental insurance providers in the United States, offers plans designed for families and businesses with access to one of the largest dentist networks in the country: more than 96,000+ locations nationwide.
¿Por qué importa el seguro dental?
Oral health is directly related to your overall well-being. Clinical studies show that poor dental hygiene is linked to heart disease, diabetes, and other serious conditions. Regular checkups and cleanings not only keep your smile healthy — they can also detect health problems before they become serious.
¿Qué cubre el seguro dental de Cigna?
Cigna dental plans use a tiered coverage structure, known as the 100-80-50 rule:
- 100% coverage — Preventive services: cleanings, exams, and X-rays (in-network)
- 80% coverage — Basic services: fillings and simple extractions (after deductible)
- 50% coverage — Major services: crowns, bridges, and root canals (after deductible)
The standard deductible on Cigna plans is $50 per person / $150 per family per year. The annual maximum ranges from $1,000 to $2,000 depending on the plan.
Tipos de Planes de Seguro Dental de Cigna
DHMO — Dental Salud Maintenance Organization
Cigna Dental Care (DHMO) plans require you to choose a primary dentist within the Cigna network. In exchange, they offer lower premiums and no deductibles. You pay fixed copays for each service, with no surprise bills.
- Lower monthly premiums
- No annual deductibles
- Fixed copays per visit
- No annual benefit maximum
- No waiting periods for preventive services
- Must use dentists within the Cigna network
DPPO — Dental Preferred Provider Organization
Cigna DPPO plans offer greater flexibility to consult with any dentist, in or out of network. Out-of-network visits cost more, but you won’t need a referral to see specialists.
With the preventive-level plan, Cigna covers 100% of prevention services in-network: exams, cleanings, and routine X-rays, at no additional cost to the insured.
- Access to more than 92,000 dentist locations nationwide
- 100% preventive coverage in-network (no copay)
- Flexibility to see out-of-network dentists
- No referrals needed for specialists
- Plans from preventive level to full coverage (100-80-50)
¿Cómo elegir el plan correcto?
When choosing your Cigna dental plan, consider:
- Your current oral health status and frequency of visits
- Whether your current dentist is in the Cigna network
- The plan’s annual maximum limit
- Waiting periods for major procedures (typically 6 to 12 months)
- The comparison between monthly premium and out-of-pocket costs
At Green Insurance, we are authorized Cigna agents. We help you compare options and find the dental plan that best fits your budget and needs. Request your free quote today.
