Company History
The Cigna Group℠ is one of the oldest insurance companies in the United States, having originated in 1792. While they trace their roots back more than 200 years, they became the company you know today in 1982 with the merger of INA Corporation and Connecticut General Corporation.
Cigna Healthcare has three principal brands:
- The Cigna Group, an international health company with products and services under the Cigna Healthcare and Evernorth Health Services divisions or subsidiaries
- Cigna Healthcare, a health benefits provider
- Evernorth℠ Health Services, a provider of specialty pharmacy, care services, and benefits solutions
Part of Evernorth Health Services, is Express Scripts® Pharmacy, which has been delivering medications to people since 1987.
A Great Selection of Plans
Size and Industry Ratings
Cigna Healthcare has over 19 million medical customers, with 1.2 million of the members outside of the United States. The company's annual revenues exceed $48 billion1. Cigna Healthcare has a reputation for financial stability with high scores from financial rating firms. These ratings include:
- Fitch: "A+" rating for CGLIC
- Standard & Poor's: "A" rating for Connecticut General Life Insurance Company (CGLIC) and Cigna Health and Life Insurance Company (CHLIC)
- A.M. Best: "A" rating for CGLIC and CHLIC
- Moody's: "A2" rating for CGLIC and CHLIC
The J.D. Power 2023 U.S. Commercial Member Health Plan Study found that Cigna Healthcare had the highest customer satisfaction among health plan members in the state of New Jersey.
Cigna Healthcare Dental Statistics
Cigna Healthcare's DPPO Advantage Network has more than 80,000 unique dental care providers who operate in over 300,000 different locations. Cigna Healthcare's DPPO Total Network, in comparison, has more than 132,000 unique dental providers serving at approximately 740,000 locations.*
Cigna Healthcare boasts over 17 million dental customers as well as being the fastest growing dental insurance company.
Basic Comparison of Cigna Healthcare's Products on DentalInsurance.com
Below is a basic comparison table for our Cigna Healthcare products. Click on the product names to read more details on each plan's benefits and their conditions.
| Cigna Dental 1500 |
Cigna Dental Vision Hearing 3500 |
|
|---|---|---|
| Network Type | PPO | PPO |
| Network | DPPO Advantage Network | |
| Annual deductible individual / family | $50 / $150 | |
| Deductible waived for Preventive | Yes | |
| Dental maximum benefit | $1,500 | $2,500 |
| Oral exams and cleanings | 100% of costs covered by plan | |
| Fillings | 80% of costs covered by plan | |
| Tooth extraction (simple) | 80% of costs covered by plan | |
| Crown | 50% of costs covered by plan | |
| Vision benefits | No | Yes |
| Hearing benefits | No | Yes |
| *Not all plans available in all areas. | ||
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Benefits
Benefits to having a Cigna Healthcare Individual Dental plan:
- See reviews on in-network dentists with the Brighter Score® feature
- 24/7 access to manage your dental health online with myCigna®
- Discounts and savings on fitness memberships, wearable devices and meal subscription service
Additional information:
- Waiting periods apply to some benefits, please review plan information.
- Non-participating providers charge their own fees. Covered expenses for non-participating providers are based on the contracted fee for in-network providers, which may be less than billed charges.
1 Subject to change. The content of this statement is subject to change as a result new information provided
2 Cigna Healthcare internal data as of May 2022
Product availability may vary by location and plan type and is subject to change. All group dental insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna Healthcare representative.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company and Cigna Dental Health, Inc. In Texas, the Dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna DPPO Advantage network. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).
More from DentalInsurance.com
How Can I Save Money on My Overall Dental Costs?
There are several commonsense measures to control your dental spending. First, review your insurance needs annually based on your oral health. If either a crown or root canal is in your future, make certain your dental plan covers it or change plans to one that coverage will be available when you need it. Second, never be hesitant to seek another dentist's opinion when very expensive procedures (such as a dental implant) are recommended. You will pay for the cost of the other opinion but, in some cases, a less expensive treatment better aligned with your medical needs might be suggested. Third, if you have a modest income, you may qualify for charitable dental care. See our page devoted to dental care in your state to see what resources are available. For more information on reducing your annual dental spending, see our article “Six Ways to Lower Your Annual Dental Costs.”
What are the differences in premiums, waiting periods, deductibles, and annual maximums when comparing PPO dental insurance, HMOs, fee-for-service indemnity plans, and dental savings plans?
Differences tend to be plan specific as opposed to generally apply to a category of insurance. With respect to premiums, Dental Savings Plans and HMOs often have the lowest premiums but they also have the most restrictive networks. Fee-for-service (typically known as “indemnity dental plans”) and PPO plans often have the most flexibility with respect to dentist choice and acceptance of the coverage. This greater flexibility in dentist choice also brings a higher monthly premium.
Dental discount plans and HMOs often lack deductibles while PPOs and indemnity plans charge them. Just as deductibles are usually absent from HMOs and dental savings plans, maximum benefit limits are also absent from these options. Likewise, just as PPOs and indemnity plans have deductibles, they also have maximum benefits.
Waiting periods are also more common among PPO and indemnity options. Dental savings plans do not have waiting periods.
How Can Individuals Save Money with Dental Coverage?
Insurance provides several cost saving benefits. First, dental plans negotiate lower prices for dentists who participate in the plan’s provider network. Second, insurance shares in the costs of covered dental services. This is especially important if you need expensive care such as crowns or dental implants. Third, dental plans promote preventive care, sometimes charging no out-of-pocket costs, and decrease the incidence of cavities and other oral health problems that occur due to dental neglect.
The best way to save money with insurance is to align your coverage with your needs, whether it be a PPO plan, bundled benefits plan, or HMO. For example, if you need a root canal or denture in your future and those procedures are uncovered by your plan, you will pay 100 percent of the costs on your own if you are uninsured or your plan only covers basic dental care. Talk with your dentist about what treatments you may need in the coming few years and use that information as a basis for which benefits must be in your dental insurance coverage. You can also make yourself a more informed shopper by reading our resources on maximum benefits, affordable dental insurance, and what plans cover the costliest dental procedures.
What Are the Benefits and Features of Indemnity Dental Plans, Dental HMOs, and Dental PPOs?
Thankfully there is a lot in common among dental PPOs, HMOs, and indemnity plans. They all tend to group benefits within three categories: preventive care, basic care, and major care. The benefits covered within each of these categories depends on the plan itself and not its designation as an indemnity plan, PPO, or HMO. This is because dental insurance benefits are not standardized in the way medical benefits are standardized in Medicare and the Affordable Care Act. This means it is the consumer's responsibility to review a plan's details or policy brochure to understand what treatments are covered. Special attention should be paid to premiums, coverage, waiting periods, deductibles, and annual maximums.
What is a dental savings plan and how does it differ from traditional dental insurance?
A dental savings plans is a distinct alternative traditional dental insurance. Whether advertised as a "discount program" or a "discount card," these savings plans have monthly membership fees and a restrictive network from which discounts may be obtained on dental services. Unlike many traditional insurance plans, there are not features such as preventive care with no copayment. The advantage of these plans is that there are no maximum benefits limiting the services that can be used within a year.
Can a Dental Savings Plan Be Used in Conjunction with Existing Dental Insurance?
While a person could purchase a Dental Savings Plan alongside traditional dental insurance, the two products do not collaborate with one another. A dental savings program is not insurance, and it offers discounted rates within a specific narrow network of dental service providers. Traditional dental insurance will most often have a wider selection of dentists from which to choose, especially if it is a Preferred Provider Organization (PPO). The discounts from a Dental Savings Plan operate independently of traditional insurance and a traditional insurance plan’s coverage conditions and dental network do not apply to a Dental Savings Plan.
Can Cigna dental insurance be used with any dentist?
While Cigna has thousands of dentists in their networks, not every dentist accepts Cigna coverage. Some dentists do not take insurance and others may accept insurance but belong to different provider networks. As a nationwide leader in dental insurance. Cigna’s dentist networks are very large.
