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. | ||
A Reputation Built on Trust
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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).
Frequently Asked Questions
What are the differences in premiums, coverage, waiting periods, deductibles, and annual maximums among dental HMOs (DHMO), dental PPOs (DPPO), indemnity plans, and dental savings plans?
PPO dental plans are the most popular, in terms of sales, for consumer purchased dental insurance. Their coverage of out-of-network dentists is a compelling feature for people who want to keep their existing dentist. Indemnity plans, like HMOs, also allow care from out-of-network dental providers. HMO plans are a small part of the dental market but are very affordable. However, like dental savings plans, they restrict covered care to in-network dentists.
Dental savings plans and HMOs are often the lowest cost with respect to premiums. The dentist choice flexibility of PPO and indemnity plans are part of the reason their premiums are often higher in comparison. Dental savings plans do not have waiting periods and waiting periods are also rare in HMO dental plans. In contrast, waiting periods are common in indemnity and PPO insurance. Indemnity and PPO plans also have annual maximum benefits that cap how much an insurer pays toward covered care each year. HMO dental insurance and dental savings plans lack such a cap. Deductibles are common in PPO and indemnity plans and may be found in a HMO plan. They are absent, however, in dental savings plans.
How can individuals save money on dental care with different dental coverage options?
The first step is to review your plan coverage each year against the services you expect to get. If there is a crown in your future and your existing plan lacks coverage for crowns, it's time to shop for a new dental plan. Staying on the subject of expensive dental care, consider calling around to other dentists who are in-network for your dental plan to compare prices on the same treatment. Your existing dentist may not offer the best price. For more information on reducing your annual dental spending, see our article “Six Ways to Lower Your Annual Dental Costs.”
What are fee-for-service dental insurance plans?
Fee-for-service is not a consumer category of dental insurance. It describes the way a dentist is reimbursed for dental treatments. In a fee-for-service arrangement, a dentist is paid for each service he or she provides to a patient. In an HMO plan, in contrast, a dentist is paid a monthly stipend per patient regardless of whether the patient seeks care during that period. In both models, the patient pays out-of-pocket costs (copayments, coinsurance) for services received.
What is a dental savings plan and how does it differ from traditional dental insurance?
A dental savings plan is an alternative to traditional dental insurance. It is a fee-based membership group allowing enrollees to obtain dental services at reduced rates from dentists who participate in the discount plan’s network. Over one hundred thousand dentists provide care to dental savings plan enrollees across the nation. Dental savings plans are also known by the names dental discount plan, discount dental plan, dental discount card, and discount dental program. Depending on the specific plan and the particular dental treatment, a member may save 20 percent to 60 percent compared to the dentist’s normal retail prices. Dental savings plans are different than many traditional insurance plans because they have no deductibles, no waiting periods, no maximum benefit limits on insurance spending, and no restriction on the number of times a service may be used during a year.
