CIGNA Affordable Dental Insurance Plans with Low Deductibles

Author: CIGNA
Published: 2011/06/02 - Updated: 2026/01/11
Publication Type: Announcement
Category Topic: Dental - Doctor Insurance - Related Publications

Page Content: Synopsis - Introduction - Main - Insights, Updates

Synopsis: This product information describes dental insurance plans designed for individuals and families seeking accessible oral healthcare coverage. The details prove particularly valuable for people managing chronic conditions like heart disease and diabetes, where dental health plays a documented role in overall wellness outcomes. Seniors and people with disabilities who may face higher healthcare costs will find the coverage structure practical, with its $50 annual deductible for individuals, immediate access to preventive services without waiting periods, and acceptance of both in-network and out-of-network providers. The straightforward pricing model - roughly $31 monthly per person - combined with no enrollment fees and a six-month waiting period for restorative work makes budgeting for dental care more predictable for households on fixed incomes or those coordinating multiple medical needs - Disabled World (DW).

Introduction

CIGNA announced that it is now offering dental plans to current and new CIGNA Individual and Family Plan medical customers. The plans feature comprehensive coverage, deductibles as low as $50 per year for an individual and no waiting period for routine examinations and procedures such as cleanings and x-rays. The cost for dental coverage is approximately $31 per month per individual.

"Regular dental care is an important part of staying healthy as studies show that poor oral health can impact pregnancy, heart disease and diabetes," said Chris Hocevar, president of CIGNA's Individual and Family Plan segment. "That's why we are offering easy-to-use and affordable dental options that are similar to the dental benefits offered by large employers that help maintain health through regular dental visits and preventive care."

Main Content

CIGNA's Individual and Family Dental plans allow customers to get care that is covered by insurance from both in-network and out-of-network dentists and include the following features:

No enrollment fee
Access to preventive and diagnostic care without a waiting period
No deductible for basic preventive care with an in-network dentist
Short (six months) waiting period for basic restorative services with a 20 percent co-pay for fillings, non-routine x-rays and simple extractions
Calendar year $50 deductible for an individual and $150 for a family for in-network services
Coverage for services by an out-of-network dentist
Customer-friendly help including CIGNA's 24-hour 800 customer service line for immediate answers to questions
One combined monthly bill for medical and dental premiums

CIGNA's dental network includes more than 80,000 dentists across the country, which translates to nearly 210,000 unique dental locations. Products are available through brokers and sold directly to consumers.

CIGNA

CIGNA (NYSE: CI) is a global health service and financial company dedicated to helping people improve their health, well-being and sense of security. CIGNA Corporation's operating subsidiaries in the United States provide an integrated suite of health services, such as medical, dental, behavioral health, pharmacy and vision care benefits, as well as group life, accident and disability insurance. CIGNA offers products and services in 29 countries and jurisdictions and has more than 66 million customer relationships throughout the world. All products and services are provided exclusively by such operating subsidiaries and not by CIGNA Corporation. Such operating subsidiaries include Life Insurance Company of North America, CIGNA Life Insurance Company of New York, and Connecticut General Life Insurance Company.

Insights, Analysis, and Developments

Editorial Note: While dental insurance often takes a back seat to medical coverage in household budgeting discussions, the connection between oral health and systemic conditions shouldn't be underestimated. Plans that remove common barriers - high deductibles, lengthy waiting periods for basic care, restricted provider networks - address real obstacles that keep people from maintaining their dental health. For anyone weighing whether dental insurance makes financial sense, consider that preventive care catches problems early, and a cleaning costs far less than a root canal. The math gets even more compelling for families, where multiple routine visits add up quickly. The key is matching coverage to actual usage patterns rather than paying for benefits you'll never use - Disabled World (DW).