Affordable Dental Insurance Plans for Individuals (2024)

Waiting Periods: If you've recently had prior dental coverage, waiting periods may be waived for select procedures. Review details for your state and plan by going to plan documents. View Dental Plan Documents

View State Policy Disclosures, Exclusions, Limitations, and Reductions

*Insured by Cigna Health and Life Insurance Company

**CIGNA HEALTHCARE DENTAL INSURANCE PLANS ARE NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE POLICIES AND DO NOT PROVIDE THE MINIMUM ESSENTIAL COVERAGE NECESSARY TO AVOID PENALTY UNDER THE AFFORDABLE CARE ACT OF 2010 (ACA).

1(+) Sample daily rate is based on a single person and represents the national average rate for all Cigna Healthcare plans (all ages and geographic locations) and reflects rates valid through February 2023.

2 Cigna Healthcare Dental book of business, internal reporting as of May 2023. Subject to change.

3 You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna Healthcare reimburses for billed services.

4 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

5 Not 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 Healthcare Dental plans in MD cover one dental cleaning per calendar year.

6 Cigna Healthcare internal utilization data. As of May 2023. Subject to change.

7 Cigna Healthcare internal utilization data – average percentage of recommendations across network DPPO dentists by Cigna Healthcare customers. As of May 2023. Subject to change.

8 Sample monthly rates are based on a single person per month and represent the national average rates for each Cigna Healthcare plan (all ages and geographic locations) and reflect rates as of July 2022. Premiums vary by geographic area.

9 Deductibles vary by plan and services. Please refer to the policy to understand the specific deductible and service details.

10 Implants subject to $2,000 lifetime maximum and a 12-month waiting period.

11 Not Available in AK, CA, MT, ND, OK, RI, SD, UT, VT and WA. The discount medical, health and drug benefits (The Program) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Program provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Program. The range of discounts for medical, pharmacy or ancillary services offered under The Program will vary depending on the type of provider and products or services received. The Program does not make and is prohibited from making members’ payments to providers for products or services received under The Program. The Program member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Program, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Program. The Discount Medical Plan/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, TX 75244. You may call 1.800.240.2035 or email info-abs@member-questions.com for more information or visit the provider locator on this site for a list of providers. The Program will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Program are specified in the membership agreement. The Program includes a 30-day cancellation provision. Note to MA consumers: The Program is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

12 The 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.

^ Available benefits up to $3,650 are only available with the Cigna Dental Vision Hearing 3500 insurance plan. Listed benefit total is for the calendar year maximum per person. Refer to the policy for a complete list of benefit highlights and limitations.

Not all plans available in all states. Please refer to plan documents for more details. Please note: The only Cigna Healthcare plans available for New Mexico residents are the Cigna Dental 1000 and the Cigna Dental 1500 dental insurance plans. Not for use in UT.

For New Mexico residents this page is advertising dental insurance products and form codes are INDDENPOLNM0322.1500 and INDDENPOLNM0322.1000. For Oregon residents, this page is advertising dental insurance products and form codes are INDDENTPOLOR0713.Prev, INDDENTPOLOR0713.1000, INDDENTPOLOR0713.1500, INDDVPOL (OR) 1021.1000, INDDVHPOL (OR), 1021.2000, INDDVHPOL (OR), 1021.3500

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.

This page is not intended for use in NM.

Affordable Dental Insurance Plans for Individuals (2024)

FAQs

What is the best insurance to have for dental? ›

Compare the Best Dental Insurance Companies Ratings
Our expert takeInsurance companyForbes Advisor Rating
Best OverallAnthem5.0
Good Price for Benefits ProvidedGuardian4.5
Good for No Waiting PeriodsAmeritas4.0
Good for No DeductibleCigna Dental4.0
3 more rows
Jun 11, 2024

How much do most people pay for dental insurance? ›

Monthly premiums

The premium is a monthly amount that you and/or your employer pays for insurance. The premium amount may vary between different insurance companies and from plan to plan. A typical premium amount for a dental plan may be $20–$50 per month for an individual or $50–$150 per month for a family.

How much is dental insurance in America per month? ›

Dental insurance premiums typically range between $25 and $50 per month. When your dental insurance's annual maximum is reached, you may have to pay out-of-pocket charges.

What is the most common form of dental insurance? ›

According to the National Association of Dental Plans, Dental PPO plans are the most predominant type of plan in the U.S. market; 82 percent of all dental policies are PPOs.

Why is dental work so expensive even with insurance? ›

You also often have to pay coinsurance, a percentage of the cost of treatment even after you have met your deductible. When you factor in deductibles, copayments and premiums, dental treatment can be expensive even if you have insurance, and it's not always clear if coverage is worth it.

Is aflac dental worth it? ›

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

Is cobra dental insurance worth it? ›

COBRA insurance could be a good short-term solution for individuals and their dependents when undergoing a change in employment status such as a job loss. Check with your employer and insurance provider to better understand your options, responsibilities, and next steps required to elect COBRA insurance.

What is the best dental plan for seniors? ›

The best dental insurance for seniors on Medicare: 6 carriers to consider
  1. Argus Dental. When you're on the hunt for dental plans for seniors on Medicare, it's worth checking out the options offered by Argus. ...
  2. Spirit Dental. ...
  3. Renaissance Dental. ...
  4. Denali Dental. ...
  5. Delta Dental. ...
  6. 6. California Dental.

How much does the average American spend on dental insurance? ›

According to a recent study, in 2020, the average annual expenditure on dental care insurance in the United States was $128.75 per person. Dental deductibles are usually much lower than the deductibles for major medical coverage, and they typically pay between 50% to 100% of the cost for covered dental services.

Which state has the most expensive dental care? ›

The average out-of-pocket cost to visit a dentist in Alaska is $153.74, the highest of any state, according to data from personal finance website WalletHub. The data was collected as part of the site's "2023's Best & Worst States for Health Care" ranking, which was published July 31.

Do most Americans have dental insurance? ›

For adults ages 19-64, 61.4 percent have private dental benefits, 15.7 percent have dental benefits through Medicaid, and 22.8 percent do not have dental benefits. Source: National trends in dental care use, dental insurance coverage, and cost barriers (PDF) (HPI Report).

Do you need dental insurance in the US? ›

If your only expenses each year are for routine six-month checkups, it might be less expensive to skip the insurance and pay out of pocket. However, unexpected dental work—such as fillings, crowns, or root canals—can be expensive, and it is for those situations when dental insurance can be most helpful.

What percentage does most dental insurance cover? ›

In general, most dental plans work on the 100/80/50 coinsurance model. This means that once you meet your deductible, you could get 100% coverage for preventive dental care, 80% coverage for basic dental procedures and 50% coverage for major procedures if you receive care in your network.

Is Delta Dental USA a PPO or HMO? ›

As an employee, the OCC Dental Insurance Program offers you the choice of two quality dental options — the PPO option called Delta Dental PPO and the dental HMO (DHMO) option known DeltaCare® USA.

What is the difference between indemnity and PPO dental insurance? ›

As mentioned above, indemnity insurance plans allow you to use the dentist of your choice, but PPO and HMO plans limit you to dentists in their networks. Your dentist may or may not be in the network, but if you don't mind using a new dentist, a PPO or HMO might fit your needs.

Which dental insurance is best for braces? ›

Compare the Best Dental Insurance Companies for Braces
CompanyOrthodontic Coverage in Year 1Deductible
Delta Dental Best Overall50%$50 (annual)
Anthem Best for No Waiting Period50%$150 (lifetime)
Spirit Best Overall Costs10%$0
Delta Dental HMO Best HMORequires $2,800 copay for adults, $2,600 for children$0

Which dental insurance has the highest annual maximum? ›

Dental Plans with High Maximum Benefit Disrupting Insurance...
  • NCD Complete by MetLife ($10,000 maximum benefit)
  • Humana Extend 5000 ($5,000 maximum benefit)
  • NCD Nationwide 5000 Plan ($5,000 maximum benefit)
  • Delta Dental Immediate Coverage Plan ($3,000 maximum benefit)
Aug 29, 2023

Are dental discount cards worth it? ›

As noted above, dental savings plan members save an average of 50%* on the costs of dental care. Dental savings plans are the best way to lower the cost of expensive procedures, such as crowns, bridges, braces, implants, dentures and more.

References

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