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

*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

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.

What is the best dental insurance that covers everything? ›

Delta Dental is our top pick because of its comprehensive coverage, including for braces and implants, with relatively short waiting periods. Its large network makes it more likely your preferred dentist is included.

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.

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 Costco dental insurance worth it? ›

Conclusion: Costco dental insurance offers an exceptional opportunity to access affordable and comprehensive oral care. With its competitive premiums, extensive network of dentists, and comprehensive coverage, Costco dental insurance is designed to prioritize your oral health and ensure your radiant smile.

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.

What is the best dental insurance for people over 65? ›

The Highest-Ranked Senior Dental Plans for 2024
  • Cigna - Best App.
  • Mutual of Omaha - Best coverage without waiting periods.
  • Aetna - Most Comprehensive Plans.
  • Spirit Dental & Vision - Best Loyalty Program.
  • Humana - Best Coverage.

Is Cigna good insurance? ›

Is Cigna good insurance? Cigna is a good insurance company, but it isn't usually the best option for most people. Even in the states where its rates are cheaper than the state average, Cigna usually isn't the cheapest health insurance. And its customer satisfaction is typically lower than average.

Does Cigna cover root canals? ›

80% covered: Basic restorative care like tooth-colored fillings, extractions, and root canal therapy. 50% covered: More complex restorations, like dental crowns and bridges.

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.

Is Delta Care the same as Delta Dental? ›

DeltaCare USA (administered by Delta Dental Insurance Company) provides you and your family with quality dental benefits at an affordable cost. The DeltaCare USA program is designed to encourage you and your family to visit the dentist regularly to maintain your dental health.

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.

What is better than Aflac? ›

Prudential Financial, Inc.

(NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits. The company provides coverage for accidents, critical illness, and hospital indemnity.

How much does most dental insurance pay for implants? ›

In general, most dental implant insurance policies will cover a portion of the cost of the procedure. However, the percentage they cover varies widely from policy to policy. Some policies may only cover 50% of the cost, while others may cover up to 70%.

How long do you have to have Aflac dental before you can use it? ›

At Aflac, we'll work with you to help you get the treatments you need on a timeline that works. Our network and employer-provided dental insurance have no waiting period for routine services and fair waits for more involved procedures.

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

In 2021, the average expenditure on dental care insurance in the United States amounted to 130.43 U.S. dollars per consumer unit.

Which state has the most expensive dental care? ›

Best and worst for: Dental treatment costs

Lowest dental treatment costs: Alabama, Kentucky, Mississippi, Tennessee and Texas. Highest dental treatment costs: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont.

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