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Cigna Dental Insurance Review for 2024 – Florida
If you live in Florida and need dental insurance, you might want to consider Cigna Dental. Cigna Dental is one of the leading dental plans in the US. It offers a range of benefits and features to help you take care of your oral health and save money on dental care. In this article, we’ll review Cigna Dental Insurance and see how it stacks up against other dental plans in the Sunshine State.
| Pros | Cons |
|---|---|
| Preventive care coverage | Waiting periods |
| Cost effective options | Claim forms |
| Combined plans that cover dental, vision and hearing | Limited coverage for services |
| Extensive nationwide network (available in all 50 states) | Mixed customer service |
| Dental savings program | Annual maximums and deductibles |
What is Cigna Dental Insurance
Cigna Dental Insurance is a type of dental coverage offered by Cigna, a global health service company that serves more than 180 million customers worldwide. It provides access to a network of over 93,000 dentists and specialists across the US, as well as discounts on preventive, basic, and major dental services.
Cigna Dental Insurance offers three types of plans: Cigna Dental Preventive, Cigna Dental 1000, and Cigna Dental 1500. Each plan has different features, benefits, and costs, depending on your needs and budget. Here’s a brief overview of each plan:
- Cigna Dental Preventive: This is the most basic and affordable plan, which covers 100% of preventive care, such as exams, cleanings, and x-rays. There is no annual maximum or deductible for this plan, but it does not cover any other dental services.
- Cigna Dental 1000: This is a mid-range plan, which covers 100% of preventive care, 80% of basic services (such as fillings and extractions), and 50% of major services (such as crowns and root canals). There is an annual maximum of $1,000 and a deductible of $50 for this plan.
- Cigna Dental 1500: This is the most comprehensive and expensive plan, which covers 100% of preventive care, 80% of basic services, 50% of major services, and 50% of orthodontia (braces). There is an annual maximum of $1,500 and a deductible of $50 for this plan.
Dental Plans
| Plan | Preventive Care | Basic Services | Major Services | Deductible | Annual Maximum |
|---|---|---|---|---|---|
| Cigna Dental Preventive | 100% in-network; 80% out-of-network | Not covered | Not covered | None | None |
| Cigna Dental 1000 | 100% in-network; 80% out-of-network | 80% in-network; 50% out-of-network | 50% in-network; 20% out-of-network | $50 per person; $150 per family | $1,000 per person |
| Cigna Dental 1500 | 100% in-network; 80% out-of-network | 80% in-network; 50% out-of-network | 50% in-network; 20% out-of-network | $50 per person; $150 per family | $1,500 per person |
| Cigna Dental 3000/100 | 100% in-network; 80% out-of-network | 80% in-network; 50% out-of-network | 50% in-network; 20% out-of-network | $50 per person; $150 per family | $3,000 per person with $100 carryover |
| Cigna Dental Savings Plan | Varies by provider (up to 37%) | Varies by provider (up to 31%) | Varies by provider (up to 25%) | None | None |
Benefits
Cigna Dental Insurance has several advantages over other dental plans in Florida. Some of the benefits include:
- Preventive Care Coverage: Cigna Dental Insurance offers 100% coverage for preventive care, which typically includes twice-yearly cleanings, x-rays, and a personal exam from your dentist.
- Economical Options: Cigna provides cost-effective dental insurance plans. Some of these plans even offer combined coverage for vision and hearing.
- Combined Plans: Cigna offers plans that provide combined coverage for dental, vision, and hearing.
- Extensive Nationwide Network: Cigna Dental Insurance is available in all 50 states in the US. It’s likely that your current dentist is already a part of one of Cigna’s extensive nationwide networks.
- Dental Savings Program: As an alternative to traditional dental insurance, Cigna offers a dental savings program.
Drawbacks
Cigna Dental Insurance also has some limitations and disadvantages that you should be aware of before you sign up. Some of the drawbacks include:
- Waiting Periods: Cigna Dental Insurance does have waiting periods for certain procedures. For basic procedures like fillings and deep cleanings, you’ll probably need to own the policy for at least six months. For major procedures, the waiting period can be up to a year.
- Claim Forms: Cigna Dental Insurance does require claim forms. These forms are used to provide information about the dental services received.
- Limited Network: While Cigna has a large network, out-of-network services may not be covered or may result in higher fees.
- Limited Coverage: Cigna Dental Insurance may not cover all services, and some services may have limitations or exclusions.
- Annual Maximums and Deductibles: Cigna Dental Insurance does have annual maximums and deductibles. This means that you may have to pay out-of-pocket expenses once you reach your limit or before your coverage kicks in.
Cigna Dental Insurance Vs Other Dental Plans in Florida
Cigna Dental Insurance is not the only option for dental coverage in Florida. There are other dental plans that may suit your needs better depending on your preferences and circumstances. Here are some of the alternatives that you can consider:
| Provider | Plan Type | Premium | Annual Maximum | Waiting Period | Network Size | Coverage Options |
|---|---|---|---|---|---|---|
| Cigna Dental Insurance | Cigna Dental 1500 | $39/month | $1500 | None for preventive and basic services, 6 months for major services | Over 93,000 dentists nationwide | Preventive, basic, and major services, orthodontia, implants |
| Delta Dental | Delta Dental PPO | ————— | $2000 | None for preventive services, 6 months for basic services, 12 months for major services | Over 75,000 dentists nationwide | Preventive, basic, and major services |
| Humana | Humana Preventive Plus | ————— | $1000 | None for preventive services, 6 months for basic and major services | Over 270,000 dentists nationwide | Preventive and basic services |
| Florida Blue | BlueDental Choice | $25/month | $1000 | None for preventive services, 6 months for basic and major services | Over 92,000 dentists nationwide | Preventive, basic, and major services |
Costs of Cigna Dental Insurance
The costs of Cigna Dental Insurance vary depending on the plan you choose, your location, your age, and the number of people on your plan. However, to give you an idea of the average costs in Florida, here are some examples:
- For a single adult aged 35 in Miami-Dade County, the monthly premium for Cigna Dental Preventive is $19.99. For Cigna Dental 1000 is $35.99, and for Cigna Dental 1500 is $42.99.
- For a family of four (two adults aged 35 and two children aged 10 and 12) in Broward County, the monthly premium for Cigna Dental Preventive is $59.97, for Cigna Dental 1000 is $107.97, and for Cigna Dental 1500 is $128.97.
You can get a personalized quote from Cigna’s website by entering your zip code, age, and number of people on your plan.
What does Cigna Dental PPO cover
Cigna Dental PPO is a type of dental plan that allows you to choose any dentist you want, but gives you lower costs and better benefits when you visit a dentist in the Cigna network. Cigna Dental PPO is not a separate plan, but rather a feature of the Cigna Dental 1000 and Cigna Dental 1500 plans. When you enroll in one of these plans, you automatically get access to the Cigna Dental PPO network.
Cigna Dental PPO is another name for Cigna Dental 1000 and Cigna Dental 1500 plans. These plans are preferred provider organization (PPO) plans that allow you to choose any dentist you want. However, you’ll save more money if you visit a dentist in Cigna’s network. The coverage of these plans is as follows:
- Preventive care: Covered at 100% with no deductible or copay.
- Basic care: Covered at 80% after meeting the annual deductible.
- Major care: Covered at 50% after meeting the annual deductible and waiting for 12 months.
- Orthodontic care: Covered at 50% after meeting the lifetime deductible and waiting for 12 months.
Customer Reviews
To give you a better idea of what other customers think of Cigna Dental Insurance, we’ve collected some positive and negative reviews from online sources. Here are some examples:
Positive Review:
“My Cigna coverage was awesome. I only had a small copay and all my Drs. took my insurance. The customer service representatives are very helpful. I was unsure of the dentist in my network so I called Cigna. The representative was courteous and informative. She sent the information to my email and that helped me determine which dentist I wanted to see. I would definitely recommend Cigna. All of my preventive tests were covered also.” – LaShonda, Arcadia, FL.
Negative Review:
“Cigna Dental is bad, really bad. Will be dropping them like a hot potato. We’re retired and Cigna looks first for any reason to deny coverage. Needed a crown to replace existing and the crown base needed some reconstruction. Covered the crown, not the buildup. Called a got a representative from another country that was impossible to understand that was robotically reading from a script. My suggestion- run away from Cigna Dental as fast as you can and don’t look back.” – Wendel, Saint Petersburg, FL
How to Contact Cigna Dental Insurance
If you have any questions or issues regarding your Cigna Dental Insurance plan, you can contact Cigna Dental Customer Service by phone, online, or mail. Here are some ways to reach them:
- Phone: You can call 1-800-CIGNA24 (1-800-244-6224) anytime, 24/7, to speak with a representative. You can also use the automated system to check your benefits, claims, eligibility, etc.
- Online: You can log in to your online account at www.mycigna.com to access your plan details, claims history, provider directory, etc. You can also chat with a representative online or send a secure message.
- Mail: You can write to Cigna Dental at PO Box 188037, Chattanooga, TN 37422-7223.
How to Cancel your Dental Insurance
If you’re not happy with your Cigna Dental Insurance plan, you can cancel it at any time. However, there are some things to consider before doing so:
- You may have to pay a penalty or lose some benefits if you cancel before the end of your contract term. Check your policy documents or contact Cigna Dental Customer Service for more details.
- You may lose your dental coverage and have to pay more for dental care if you don’t have another plan lined up. Make sure you have another option before canceling your Cigna Dental Insurance plan.
- You may have to wait for a certain period before enrolling in another plan. Some plans have waiting periods or pre-existing condition exclusions that may prevent you from getting coverage right away. Compare different plans and their terms before making a switch.
To cancel your Cigna Dental Insurance plan, you can call 1-800-CIGNA24 (1-800-244-6224) or send a written request to Cigna Dental at PO Box 188037, Chattanooga, TN 37422-8037. Make sure you include your name, policy number, date of birth, and reason for cancellation. You should also indicate when you want your cancellation to take effect.
Conclusion
Cigna Dental Insurance can be a solid choice for dental coverage in Florida, offering a reliable and affordable plan with comprehensive preventive care coverage. The convenience of an extensive nationwide network adds to its appeal, providing cost-effective options for policyholders. However, it’s essential to be aware of potential drawbacks, including waiting periods, mixed customer service reviews, annual maximums, and deductibles. To make an informed decision, it’s advisable to compare Cigna Dental Insurance with other dental plans available in Florida.
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