With so many options on the market, picking the right dental plan company is a tough decision.
Plenty of companies offer dental plans, including the big health and dental insurers. Cigna is one of the better known names in dental cover.
About Cigna
Cigna is a life and health insurance company that operates internationally. It sells health, life, dental and disability insurance. It also runs dental savings plans for people who want help with the cost of dental care without buying an insurance policy.
There are several dental plans offered by Cigna, covering different services and procedures. What you pay depends on the plan you choose.
CignaPlus Savings Program
CignaPlus Savings is an affordable alternative to standard dental insurance. It gives you discounted prices on a wide range of dental care, from a nationwide network of dentists and specialists.
CignaPlus plans are not traditional insurance. They are a straightforward way to get discounts on dental treatment.
The Dental Plans
There are three plans in the CignaPlus Savings program:
- Cigna Dental Savings, the plan with the lowest yearly cost.
- Cigna Dental Savings for Families, the household version of the same plan.
- Cigna Dental Savings for Seniors, which adds benefits aimed at older members.
Members can get treatment straight away by visiting any participating dentist or specialist. The savings plans also carry a range of wellness discounts, from acupuncture to yoga.
Customer Service
Cigna serves customers worldwide and offers customer service around the clock. You can reach a representative through live chat at any hour, and by phone, email or post.
Cigna also has a mobile app, which makes it easier to find what you need and to get hold of a representative.
The live chat option takes some finding on their website. There is a list of phone numbers on the site, but the phone lines only run during set business hours.
Added Benefits with Cigna
Some of the benefits that come with a Cigna dental savings plan:
- The myCigna app finds in-network dentists near you, and shows your membership card and coverage on screen.
- Payments can be made online through the myCigna app.
- The network is large, so finding a good dentist near you is rarely a problem.
- You can use in-network or out-of-network dentists, though the savings are much bigger in network.
- There is no annual limit, so there is no cap on what you can save in a year.
- There is no waiting period, unlike most insurance policies. You can get treatment as and when you need it.
- No pre-authorization is needed before treatment.
- There are no pre-existing condition limits. All patients are accepted.
- There are no claim forms and no paperwork to fill in.
Final Verdict
If you want dental cover from a large, financially stable company, the CignaPlus Savings program is worth a look for you and your family. Their site carries plenty of information to help you keep track of what you are covered for.
Cigna's dentist network runs nationwide, and there is a fair chance your own dentist is already part of it. You can check first using our dentist search.
Overall, if you want access to experienced dentists and specialists, a sensible price and real discounts, a Cigna savings plan can work well.
One thing to check first: the plan is not sold in every state. Confirm it is available where you live before you sign up.
Dental plans matter if you want to stay on top of your dental health and head off problems early. To compare plans and look at other providers, head over to our dental plans section.
We also take an additional 10% off when you join online. We can help you keep your oral health in check without breaking the bank.
