Cigna Dental, Vision and Hearing FAQs: Answers on Plans, Waiting Periods and Costs
These answers cover the questions people ask most about Cigna dental insurance, plus Cigna vision and hearing bundles. Licensed Vivna agents wrote each one in plain English. Because rules change by state, every answer shows where it applies. Call 888-730-6001 anytime for free help.
Vivna Insurance is an appointed, authorized broker for Cigna Healthcare. We are an independent agency, not Cigna. Cigna dental and vision plans continue to be sold. Plans and availability vary by state.
Cigna Dental Plan Basics and Enrollment
Start here to learn which Cigna dental plans exist and who insures them. Then see how to enroll.
β What individual dental plans does Cigna Healthcare offer?
Cigna's broker grid lists nine individual and family dental plans.
Dental-only options are Preventive, 1000, 1500 and 3000/100. Bundled options are Dental Vision 1000 and Dental Vision Hearing 2000 and 3500. In addition, Dental Advance 2000 and 3000 round out the lineup. However, Cigna does not sell every plan in every state.
π Where this applies: Every state where Cigna dental plans are sold
β Who insures Cigna individual dental, vision and hearing plans?
Cigna Health and Life Insurance Company insures these plans.
In addition, Cigna Dental Health, Inc. provides network management services.
π Where this applies: Every state where Cigna dental plans are sold
β How are the Cigna dental plans grouped?
Cigna groups its individual dental plans four ways.
First, there are preventive and low-deductible dental-only plans. Next come bundled dental, vision and hearing plans. There is also a high annual maximum plan. Finally, Advance Plans offer benefits that grow over time.
π Where this applies: Every state where Cigna dental plans are sold
β What is Cigna Dental Choice in Texas?
In Texas, Cigna's individual dental plan goes by the name Cigna Dental Choice.
It uses the national Cigna DPPO Advantage network.
π Where this applies: Texas
β Do Cigna individual dental plans count as ACA pediatric dental coverage?
No, Cigna individual dental plans do not count as ACA pediatric dental coverage.
Instead, Cigna's flyers point you to your agent or the Health Insurance Marketplace for ACA-compliant pediatric dental.
π Where this applies: Every state where Cigna dental plans are sold
β What perks come with every Cigna individual dental plan?
Every plan includes 24/7/365 customer service, plus plan access on myCigna.com or the myCigna app.
You also get Cigna Healthy Rewards discounts. In addition, you get in-network discounts on plan-covered dental services.
π Where this applies: Every state where Cigna dental plans are sold
β Do I need a referral to see a dental specialist on a Cigna plan?
No, you do not need a referral to see a dental specialist.
In fact, Cigna's plan flyers say you can see a specialist without a referral.
π Where this applies: Every state where Cigna dental plans are sold
β When can I enroll in a Cigna individual dental plan?
You can enroll in a Cigna individual dental plan any time of year.
Cigna says you can enroll year-round in any of its nine plans. As a result, you do not need to wait for open enrollment.
π Where this applies: Every state where Cigna dental plans are sold
β How soon does Cigna dental coverage start?
According to Cigna's plan flyers, coverage can start as soon as next month.
π Where this applies: Every state where Cigna dental plans are sold
β Can I buy a Cigna dental plan for my child without a parent on the policy?
Yes, Cigna's broker grid says a child can enroll in a policy without a guardian.
π Where this applies: Every state where Cigna dental plans are sold
β Can people 65 and older buy a Cigna individual dental plan?
Yes, Cigna's plan grid lists availability for all ages, including people 65 and older.
In addition, Cigna markets its dental suite to the 65+ audience.
π Where this applies: Every state where Cigna dental plans are sold
β Does the Cigna Dental Vision Hearing 3500 Plan discount dependents?
Yes, the Cigna Dental Vision Hearing 3500 flyer lists a 15% discount for any eligible dependents.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What do the Cigna Dental Advance plans cost on average?
Cigna's broker grid lists an average premium of about $55 a month for Dental Advance 2000.
It lists about $61 for Dental Advance 3000. However, your rate depends on age, location and family size.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β How much does a Cigna dental plan cost per day?
Several Cigna flyers say coverage runs around $1 a day.
That figure comes from a national average single-person rate. However, your actual premium depends on your age, location and plan.
π Where this applies: Every state where Cigna dental plans are sold
β What sets Cigna dental plans apart from other carriers?
Cigna points to bundled dental, vision and hearing plans with no vision or hearing waiting period.
It also cites Healthy Rewards discounts and 24/7/365 phone service.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β Is Cigna dental insurance worth it compared to paying out of pocket?
Cigna's example for Dental 1500 shows the highest costs with no insurance.
For instance, a crown estimate drops from about $1,248 to about $361 in network. Still, your savings depend on your care and dentist.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β In how many states are Cigna individual dental plans offered?
Cigna's footprint flyer lists individual and family dental plans in 49 states.
Vivna can help you check dental options in your state.
π Where this applies: Every state where Cigna dental plans are sold
Compare Cigna Dental Plans
These answers compare maximums, deductibles and coverage levels. As a result, you can match a plan to the care you expect.
β Which Cigna dental plan covers dental implants?
Cigna lists implant coverage on Dental Vision Hearing 3500 and Dental Advance 2000.
DVH 3500 pays 50% up to a $2,000 lifetime maximum after a 12-month wait. By contrast, Advance 2000 has no waiting period.
π Where this applies: Varies by plan and state
β Which Cigna dental plan covers braces?
Cigna Dental 1500 covers orthodontia for all ages, up to $1,000 per lifetime.
Coverage starts after a 12-month wait. Meanwhile, Dental Advance 3000 covers braces for children up to age 19.
π Where this applies: Varies by plan and state
β Which Cigna dental plan covers braces for adults?
Cigna Dental 1500 is the plan that covers braces for adults.
According to Cigna, its orthodontia benefit is available for all ages. By contrast, orthodontia on Dental Advance 3000 is child-only.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Which Cigna dental plan has the highest annual maximum?
Cigna Dental 3000/100 has the highest annual maximum, at $3,000 per calendar year.
Dental Advance 3000 also reaches $3,000, but only in its third year.
π Where this applies: Varies by plan and state
β Which Cigna dental plans include vision and hearing coverage?
Cigna Dental Vision 1000 adds vision coverage to the dental benefits.
Meanwhile, Dental Vision Hearing 2000 and 3500 add both vision and hearing.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Which Cigna dental plan is best for older adults who need hearing aids?
Only the Cigna Dental Vision Hearing plans include hearing aid allowances.
For example, DVH 2000 lists $500 and DVH 3500 lists $700. A licensed agent can help you compare them.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Which Cigna dental plan lets me get fillings without a waiting period?
Cigna DVH 2000 and 3500 pay basic services like fillings with no waiting period.
Also, the Advance plans have no waiting periods at all.
π Where this applies: Varies by plan and state
β What is the difference between Cigna Dental 1000 and Dental 1500?
Cigna Dental 1000 and Dental 1500 both have a $50 deductible and the same coinsurance.
However, Dental 1500 raises the yearly max to $1,500. It also adds orthodontia up to $1,000 lifetime.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the difference between Cigna DVH 2000 and DVH 3500?
Cigna DVH 3500 has a higher dental max than DVH 2000: $2,500 vs $1,500.
It also pays basic care at 80% instead of 70%. In addition, it adds implant coverage and larger vision and hearing allowances.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How do Cigna Dental 1000 and Dental Vision 1000 compare?
Both plans have a $1,000 dental max and a $50 per person deductible.
However, Dental Vision 1000 adds $150 a year in vision benefits for an exam and eyewear.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β How does Cigna Dental 3000/100 compare to Dental Vision Hearing 3500?
Cigna Dental 3000/100 is dental-only, with a $3,000 max on the Total network.
By contrast, DVH 3500 has a $2,500 dental max on the Advantage network. It also adds vision, hearing and implants.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What are the total yearly benefits on each Cigna bundled plan?
Cigna Dental Vision 1000 offers up to $1,150 in total yearly benefits.
Dental Vision Hearing 2000 offers up to $2,325. Meanwhile, Dental Vision Hearing 3500 offers up to $3,650.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Which Cigna plans have a lifetime deductible instead of a yearly one?
The Cigna Dental Advance plans have a lifetime deductible instead of a yearly one.
For example, Advance 2000 has a $75 lifetime deductible. Advance 3000 has a $150 lifetime deductible.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
Cigna Dental-Only Plans
Cigna offers preventive and low-deductible dental-only plans. Here you can see what each one covers.
β What is the Cigna Dental Preventive plan?
Cigna Dental Preventive is Cigna's budget plan for routine care only.
It covers preventive and diagnostic visits at 100% in network. Plus, Cigna says it has the lowest monthly premiums of its dental plans.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental Preventive have a deductible or annual maximum?
No, Cigna Dental Preventive has no deductible and no calendar-year maximum.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental Preventive cover fillings or crowns?
No, Cigna Dental Preventive does not cover fillings or crowns.
The plan excludes basic services like fillings and major services like crowns, dentures and bridges. However, you do get in-network discounts on plan-covered services.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What does Cigna Dental Preventive pay if I see an out-of-network dentist?
Out of network, the plan pays preventive care based on 100% of Cigna's contracted fee.
However, you pay any difference between that fee and the dentist's actual bill.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Is there a waiting period on Cigna Dental Preventive?
No, Cigna Dental Preventive has no waiting period and no deductible.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental Preventive cover braces?
No, Cigna Dental Preventive does not cover orthodontia.
As a result, you pay the full billed charge for braces.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the Cigna Dental 1000 plan?
Cigna Dental 1000 is a dental-only plan that covers eligible services up to $1,000 per calendar year.
Plus, Cigna waives the deductible for eligible preventive and diagnostic care.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the deductible on Cigna Dental 1000?
The Cigna Dental 1000 deductible is $50 per person and $150 per family each calendar year.
However, it does not apply to eligible preventive and diagnostic services.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What does Cigna Dental 1000 pay for preventive care?
In network, you pay $0 for preventive and diagnostic care such as exams, cleanings and X-rays.
Also, there is no deductible or waiting period for these services.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What do fillings cost on Cigna Dental 1000?
In network, you pay 20% of the contracted fee for fillings and simple extractions.
That rate applies after the deductible. In addition, a 6-month waiting period applies unless waived.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What do crowns cost on Cigna Dental 1000?
In network, you pay 50% of the contracted fee for crowns, dentures and bridges.
That rate applies after the deductible. In addition, a 12-month waiting period applies unless waived.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β How does Cigna Dental 1000 pay out of network?
Out of network, Cigna Dental 1000 pays a share of Cigna's contracted fee.
It pays 100% for preventive, 80% for basic and 50% for major services. You then pay the rest of the dentist's bill.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental 1000 cover braces?
No, Cigna Dental 1000 does not cover orthodontia.
Instead, Cigna Dental 1500 is the plan in this tier that adds orthodontia.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the Cigna Dental 1500 plan?
Cigna Dental 1500 is a dental-only plan covering eligible services up to $1,500 per calendar year.
Plus, it covers orthodontia up to $1,000 per lifetime.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the deductible on Cigna Dental 1500?
The Cigna Dental 1500 deductible is $50 per person and $150 per family per calendar year.
Cigna waives it for eligible preventive and diagnostic care. However, orthodontia has its own separate lifetime deductible.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental 1500 cover braces for adults?
Yes, Cigna says orthodontia on Dental 1500 is available for all ages.
You pay 50% of the contracted fee after a separate lifetime deductible.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What is the orthodontia lifetime maximum on Cigna Dental 1500?
The orthodontia lifetime maximum on Cigna Dental 1500 is $1,000 per person.
This is separate from the $1,500 yearly maximum for other dental services.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Is there a waiting period for braces on Cigna Dental 1500?
Yes, orthodontia on Cigna Dental 1500 has a 12-month waiting period.
However, you cannot waive it with prior coverage.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Does Cigna Dental 1500 pay the same out of network for braces?
The flyer shows the same 50% of the contracted fee for orthodontia in or out of network.
That rate applies after the separate lifetime deductible.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β What do fillings and crowns cost on Cigna Dental 1500?
In network, you pay 20% for basic services like fillings after the deductible.
For major services like crowns, dentures and bridges, you pay 50%. Also, the waiting periods are 6 and 12 months unless waived.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β How much could I save on a crown with Cigna Dental 1500?
Cigna's estimate shows a crown at about $361 in network versus about $1,248 without insurance.
Out of network, it estimated about $992. However, actual costs vary by dentist and location.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β How much could I save on braces with Cigna Dental 1500?
Cigna's estimate shows braces at about $2,909 in network versus about $6,752 without insurance.
Out of network, it estimated about $5,752. However, results vary by provider and location.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β What would a filling cost me on Cigna Dental 1500?
Cigna's example estimates a two-surface filling at about $29 in network.
By contrast, it shows about $167 out of network and about $249 with no insurance.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β What would a cleaning cost me on Cigna Dental 1500?
Cigna's example shows a cleaning at $0 in network.
By contrast, it estimated about $62 out of network and about $106 with no insurance.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
β What is the Cigna Dental 3000/100 plan?
Cigna Dental 3000/100 is a dental-only plan with a $3,000 calendar-year maximum and a $100 deductible.
It uses the Total Cigna DPPO network. In fact, Cigna lists it as its high annual maximum plan.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β What does Cigna Dental 3000/100 pay for fillings?
In network, you pay 50% of the contracted fee for basic services like fillings.
That rate applies after the deductible. In addition, a 6-month waiting period applies unless waived.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β What does Cigna Dental 3000/100 pay for crowns and bridges?
In network, you pay 50% of the contracted fee for crowns, dentures and bridges.
That rate applies after the deductible. In addition, a 12-month waiting period applies unless waived.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β Does the deductible apply to cleanings on Cigna Dental 3000/100?
The flyer lists preventive care at $0 "after deductible" on this plan.
That differs from Cigna's other dental plans. So confirm with a licensed agent before you enroll.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β Is Cigna Dental 3000/100 available in my state?
Cigna Dental 3000/100 is not available in MD, MN, MO, MT, NY, OH, OR, VA or WA.
Also, ask a licensed agent to confirm availability where you live.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β Does Cigna Dental 3000/100 cover braces or implants?
The plan flyer and grid list coverage for Class I, II and III services only.
However, they do not list orthodontia or implants for this plan.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
Cigna Dental Advance Plans
Dental Advance plans have no waiting periods and a lifetime deductible. In addition, their maximums grow over time.
β What are Cigna Dental Advance plans?
Cigna Dental Advance plans are Cigna's newest dental plans, with progressive benefits.
For example, the yearly maximum grows over three years. Also, there are no waiting periods. The plans use the Total Cigna DPPO network.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β Where are Cigna Dental Advance plans sold?
Cigna's broker grid lists the Advance plans for Arizona, Connecticut, Georgia, Missouri and Texas.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β How does the yearly maximum work on Cigna Dental Advance 2000?
On Cigna Dental Advance 2000, the yearly maximum steps up over time.
First, it is $1,500 in year one. Then it rises to $1,750 in year two and $2,000 in year three.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β What is the deductible on Cigna Dental Advance 2000?
Cigna Dental Advance 2000 has a $75 lifetime deductible rather than a yearly one.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β Does Cigna Dental Advance 2000 cover implants?
Yes, Cigna's grid lists Class III implant coverage on Dental Advance 2000.
Plus, implant coverage has no waiting period.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β How does the yearly maximum work on Cigna Dental Advance 3000?
On Cigna Dental Advance 3000, the yearly maximum increases each year.
First, it is $2,000 in year one. Then it grows to $2,500 in year two and $3,000 in year three.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β What is the deductible on Cigna Dental Advance 3000?
Cigna Dental Advance 3000 has a $150 lifetime deductible.
In addition, orthodontia has its own separate $150 lifetime deductible.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β Does Cigna Dental Advance 3000 cover braces?
Yes, Cigna Dental Advance 3000 covers braces for children.
Orthodontia on this plan is child-only, covering members up to age 19.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
β Is there a waiting period on Cigna Dental Advance plans?
No, Cigna says the Advance plans have no waiting period.
As a result, you get immediate access to services.
π Where this applies: Arizona, Connecticut, Georgia, Missouri and Texas
Dental, Vision and Hearing Bundles
These plans bundle dental, vision and hearing benefits. So see what each bundle pays every year.
β What is the Cigna Dental Vision 1000 plan?
Cigna Dental Vision 1000 bundles dental and vision in one plan with one premium.
You get up to $1,000 in dental benefits and $150 in vision benefits each calendar year.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What is the deductible on Cigna Dental Vision 1000?
The dental deductible on Cigna Dental Vision 1000 is $50 per person and $150 per family.
However, vision benefits have no deductible.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What dental care does Cigna Dental Vision 1000 cover at 100%?
Cigna Dental Vision 1000 pays 100% with no deductible for routine six-month exams, cleanings and annual routine X-rays.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What does Cigna Dental Vision 1000 pay for fillings?
The plan pays 70% after the deductible for fillings and routine extractions.
That same 70% also applies to nonroutine X-rays and emergency care to relieve pain.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna Dental Vision 1000 pay for an eye exam?
Cigna Dental Vision 1000 pays up to $50 per calendar year for a yearly preventive vision exam.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna Dental Vision 1000 pay for glasses or contacts?
The plan pays up to $100 per calendar year for eyeglass lenses or frames, or contact lenses.
Plus, there is no deductible or waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna Dental Vision 1000 include hearing aids?
No, Cigna Dental Vision 1000 covers dental and vision only.
Instead, hearing benefits come with Dental Vision Hearing 2000 and 3500.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What is the Cigna Dental Vision Hearing 2000 plan?
Cigna Dental Vision Hearing 2000 bundles dental, vision and hearing in one plan.
You get up to $1,500 in dental, $275 in vision and $550 in hearing benefits each calendar year.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What are the total yearly benefits on Cigna Dental Vision Hearing 2000?
Cigna Dental Vision Hearing 2000 offers up to $2,325 in total benefits that reset each year.
That total combines dental, vision and hearing.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What is the deductible on Cigna Dental Vision Hearing 2000?
Cigna Dental Vision Hearing 2000 has a $100 per person dental deductible.
However, vision and hearing benefits have no deductible.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What does Cigna DVH 2000 cover at 100% with no waiting period?
Cigna DVH 2000 covers routine six-month exams and cleanings at 100% with no waiting period.
The same applies to routine and nonroutine X-rays, plus emergency care to relieve pain. Plus, these services have no deductible.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 2000 cover fillings right away?
Yes, Cigna DVH 2000 pays 70% after the deductible for fillings, with no waiting period.
This tier also covers routine and impacted extractions and denture relines.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 2000 cover repairs to crowns, bridges and dentures?
Yes, the plan pays 70% after the deductible for repairs to bridges, crowns, inlays and dentures.
Also, there is no waiting period for these repairs.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 2000 cover root canals and deep cleanings?
Yes, Cigna DVH 2000 covers root canals and deep cleanings at 50% after the deductible.
However, any waiting period applies first. This tier also includes dentures, bridges, periodontal maintenance and complex extractions.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna DVH 2000 give for glasses or contacts?
Cigna's plan comparison and broker grid list a $200 allowance for frames, lenses or contacts.
The plan also includes an eye exam. Plus, there is no deductible or waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna DVH 2000 pay toward hearing aids?
Cigna's plan comparison and grid list a $500 allowance for hearing aids, devices and accessories.
The plan also includes a hearing exam. Plus, there is no deductible or waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 2000 cover a hearing exam?
Yes, Cigna DVH 2000 covers an annual hearing exam up to $50 per year.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 2000 cover dental implants?
Cigna does not list implants among the DVH 2000 plan's covered services.
Instead, Cigna lists implant coverage on Dental Vision Hearing 3500 and Dental Advance 2000.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What is the Cigna Dental Vision Hearing 3500 plan?
Cigna Dental Vision Hearing 3500 bundles dental, vision and hearing in one plan.
You get up to $2,500 in dental, $400 in vision and $750 in hearing benefits per calendar year.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What are the total yearly benefits on Cigna Dental Vision Hearing 3500?
Cigna Dental Vision Hearing 3500 offers up to $3,650 in total benefits that reset each year.
That total spans dental, vision and hearing.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What is the deductible on Cigna DVH 3500?
Cigna DVH 3500 has a $100 per person deductible for dental care.
Vision and hearing benefits, however, have no deductible.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Does Cigna DVH 3500 cover dental implants?
Yes, Cigna DVH 3500 covers dental implants at 50% after the deductible.
Implant benefits go up to a $2,000 lifetime maximum. However, a 12-month waiting period applies and cannot be waived.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What does Cigna DVH 3500 pay for fillings and extractions?
Cigna DVH 3500 pays 80% for fillings and extractions after the deductible.
There is no waiting period for these services. The tier covers fillings and routine and impacted extractions. It also covers repairs to crowns, bridges, inlays and dentures.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What does Cigna DVH 3500 pay for root canals, dentures and bridges?
Cigna DVH 3500 pays 50% for root canals, dentures and bridges after the deductible.
This payment also starts only after any applicable waiting period. Periodontal deep cleaning, periodontal maintenance and complex extractions fall in this tier as well.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β What does Cigna DVH 3500 cover at 100%?
Cigna DVH 3500 pays 100% for routine exams, cleanings, X-rays and emergency pain relief.
This includes routine six-month exams and cleanings, plus routine and nonroutine X-rays. Also, these services have no deductible and no waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna DVH 3500 pay for glasses or contacts?
Cigna DVH 3500 pays up to $300 per calendar year for lenses, frames or contacts.
It also pays up to $100 a year toward an annual eye exam.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How much does Cigna DVH 3500 pay for hearing aids?
Cigna DVH 3500 pays up to $700 per year for hearing aids and accessories.
It also pays up to $50 for an annual hearing exam. Plus, there is no deductible or waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Do Cigna DVH plans offer discounts on hearing aids?
Yes, the Cigna DVH flyers list up to 50% off hearing aid devices.
They also mention options for premium smart technology.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Do Cigna DVH plans give extra savings on eyewear?
Yes, Cigna DVH plans list additional savings on vision purchases at participating vision providers.
However, participation is voluntary, so ask your eye care professional.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β How big is the vision network on Cigna bundled dental plans?
Cigna cites 100,000+ eye care providers and 20,000+ private practices nationwide.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Where can I use hearing benefits on Cigna DVH plans?
Cigna cites access to about 5,000 hearing centers nationwide.
In addition, coverage is immediate, starting on day one.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Why choose a Cigna bundled dental, vision and hearing plan?
A bundled plan gives you one plan, one premium and one place for support.
In addition, vision and hearing benefits have no deductible or waiting period.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
Waiting Periods and Exclusions
Some dental care has a waiting period, and every plan has exclusions. For that reason, check these before you schedule work.
β Which Cigna dental plans have no waiting periods at all?
Cigna Dental Advance 2000 and Advance 3000 have no waiting periods.
Also, Cigna Dental Preventive has no waiting period or deductible. However, it covers only preventive and diagnostic care.
π Where this applies: Varies by plan and state
β Can I get my Cigna dental waiting period waived?
Often, yes, if you have 12 months of prior coverage that included major services.
In that case, Cigna can waive the Class II and III waits. However, no more than 63 days can pass between that plan and Cigna.
π Where this applies: Every state where Cigna dental plans are sold
β Does prior dental coverage without major services count toward a Cigna waiting period waiver?
No, prior coverage without Class III major restorative services does not count toward the waiver.
π Where this applies: Every state where Cigna dental plans are sold
β Is the Cigna waiting period waiver per person or per family?
The Cigna waiting period waiver applies per person, not per family.
Cigna decides waiver eligibility at the individual member level based on the application.
π Where this applies: Every state where Cigna dental plans are sold
β Can the orthodontia waiting period on Cigna Dental 1500 be waived?
No, the 12-month orthodontia waiting period is not eligible for waiver.
This rule applies even if you have prior coverage.
π Where this applies: Most states Vivna serves, except New Mexico and Utah
β Can the dental implant waiting period on Cigna DVH 3500 be waived?
No, the 12-month waiting period on Class IX dental implants is not eligible for waiver.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
β Are Cigna dental waiting periods the same in every state?
Not always, because Cigna notes waiting periods may vary by state.
As a result, check the Outline of Coverage for your state.
π Where this applies: Every state where Cigna dental plans are sold
β Do kids in Maine have waiting periods on Cigna dental plans?
In Maine, Cigna waives Class II and III waiting periods for members under age 19.
This rule applies to Cigna Dental 1000, 1500 and 3000/100.
π Where this applies: Maine
β Is there a waiting period for vision or hearing on Cigna bundled plans?
No, vision and hearing benefits on Cigna bundled plans start without a wait.
This applies to Dental Vision 1000 and the DVH 2000 and 3500 plans. In fact, hearing coverage starts day one.
π Where this applies: Most states Vivna serves, except Montana, New Mexico, Utah and Virginia
Network, Claims and Member Perks
These answers explain the Cigna dental network, claims and member rewards. Then see how to find a dentist.
β Which Cigna dental plans use the Cigna DPPO Advantage network?
Six Cigna dental plans use the Cigna DPPO Advantage network.
They are Dental Preventive, 1000 and 1500, Dental Vision 1000, and Dental Vision Hearing 2000 and 3500. However, Cigna notes some states may use the Total network for these plans.
π Where this applies: Every state where Cigna dental plans are sold
β Which Cigna dental plans use the Total Cigna DPPO network?
Cigna Dental 3000/100 and the two Cigna Dental Advance plans use the Total Cigna DPPO network.
π Where this applies: Every state where Cigna dental plans are sold
β How big is the Total Cigna DPPO network on the Cigna Dental 3000/100 plan?
The Cigna Dental 3000/100 flyer cites 132,000+ dentists and specialists at 740,000+ locations nationwide.
In fact, Cigna calls it among the largest dental networks available.
π Where this applies: Most states Vivna serves, except Maryland, Minnesota, Missouri, Montana, New Mexico, Ohio, Virginia and West Virginia
β How big is the Cigna DPPO Advantage network?
Cigna cites 80,000+ dental providers at more than 300,000 locations across the U.S.
π Where this applies: Every state where Cigna dental plans are sold
β Can I see an out-of-network dentist on a Cigna dental plan?
Yes, you can choose any dentist, in or out of the network.
However, you save the most with an in-network dentist. Otherwise, an out-of-network dentist can bill you the difference between their charge and what Cigna pays.
π Where this applies: Every state where Cigna dental plans are sold
β How do I check if my dentist takes a Cigna individual dental plan?
Search the Cigna provider directory for your dentist.
Also, pick the network your plan uses: Advantage DPPO or Total DPPO.
π Where this applies: Every state where Cigna dental plans are sold
β What is the Brighter Score on myCigna?
Brighter Score is a dentist-directory feature on myCigna that helps you choose a dentist.
You can find it on myCigna.com and the myCigna app. However, Cigna says it is educational and not a guarantee of care quality.
π Where this applies: Every state where Cigna dental plans are sold
β Can my teenager or child register on myCigna.com?
Members under age 13 cannot register at myCigna.com, and neither can their parent or guardian.
π Where this applies: Every state where Cigna dental plans are sold
β What is Cigna Healthy Rewards on dental plans?
Cigna Healthy Rewards is a discount program that comes with every Cigna dental plan.
It offers savings on health and wellness programs and services. However, it is not insurance, and you pay the discounted price.
π Where this applies: Every state where Cigna dental plans are sold
β What can I save on with Cigna Healthy Rewards?
Cigna lists discounts on fitness memberships and devices, vision care, LASIK, hearing aids and virtual workouts.
However, some programs are not in all states.
π Where this applies: Every state where Cigna dental plans are sold, except New Mexico, Nevada, Utah and West Virginia
Cigna Dental Plans in Maryland
Maryland has its own Cigna dental rules and disclosures. Also, check these answers if you live there.
β Is a Cigna dental plan medical insurance?
No, a Cigna dental plan is not medical insurance.
In fact, the Maryland disclosure states the policy provides dental coverage only. It also excludes services deemed medical and hospital or surgical-center charges.
π Where this applies: Maryland
β Is there an application fee for a Cigna individual dental plan?
No, there is no application fee for a Cigna individual dental plan.
In fact, the Maryland plan grid lists no application or processing fees.
π Where this applies: Maryland
β Do I get a discount for adding family members to a Cigna dental plan?
Yes, a 15% discount applies to the standard rate for each additional eligible dependent.
The discount applies to dependents added to a primary policy. Also, the quote tool applies the discount.
π Where this applies: Maryland
β What affects the price of a Cigna dental plan?
Rates can vary by age, family size, your residential ZIP code and the plan design you choose.
π Where this applies: Maryland
β Do I have to file claims with a Cigna dental plan?
No, you do not need to file claims when you use a Cigna DPPO Advantage network dentist.
In fact, Cigna says there is no need to submit claims with an in-network provider.
π Where this applies: Maryland
β Do Cigna Dental 1000 and 1500 cover implants?
No, Cigna Dental 1000 and 1500 do not include implant coverage.
The Maryland plan disclosures for Preventive, 1000 and 1500 exclude implant placement, implant abutments and repairs. Instead, Cigna lists implant coverage on DVH 3500 and Advance 2000.
π Where this applies: Maryland
β Do Cigna dental plans cover TMJ treatment?
No, Cigna dental plans do not cover TMJ treatment.
The plans exclude procedures mainly meant to diagnose or treat temporomandibular joint (TMJ) dysfunction.
π Where this applies: Maryland
β Do Cigna dental plans cover veneers or cosmetic work?
No, Cigna dental plans exclude cosmetic procedures and labial veneers.
π Where this applies: Maryland
β Will Cigna dental replace a tooth I was missing before coverage started?
Not at first, since there is no payment to replace teeth missing when you first become insured.
In Maryland, however, that limit ends after 12 months of continuous coverage.
π Where this applies: Maryland
β Does Cigna dental cover a lost or stolen denture or retainer?
No, Cigna dental plans exclude replacement of lost or stolen appliances.
π Where this applies: Maryland
β Does Cigna dental cover dental care outside the United States?
Cigna dental covers only emergency treatment outside the United States.
That benefit has a limit of $100 per consecutive 12-month period.
π Where this applies: Maryland
β Does Cigna dental cover a night guard or sports mouth guard?
Cigna dental plans exclude athletic mouth guards.
They also exclude splinting appliances and myofunctional therapy.
π Where this applies: Maryland
β Does Cigna dental cover care from a family member who is a dentist?
No, Cigna dental does not cover services from a family member.
This exclusion applies to services from yourself or someone in your household. It also applies to a relative by blood, marriage or adoption.
π Where this applies: Maryland
β Does Cigna dental cover hospital or surgical center charges for dental work?
No, Cigna dental excludes charges from a hospital, ambulatory surgical center or similar facility.
This exclusion also includes ancillary charges.
π Where this applies: Maryland
β Will Cigna dental pay for a temporary crown or interim dental work?
No, Cigna dental excludes temporary, transitional or interim dental services.
π Where this applies: Maryland
β How do I cancel a Cigna individual dental plan?
To cancel, send Cigna written notice.
Then the policy cancels on the first of the month after Cigna receives it.
π Where this applies: Maryland
β Can Cigna cancel my individual dental plan?
Yes, Cigna can cancel for nonpayment, fraud, ineligibility or moving out of the service area.
Also, Cigna can cancel if it stops offering these plans in your state.
π Where this applies: Maryland
β Is a Cigna individual dental plan renewable?
Yes, the Maryland disclosure says the plan is renewable monthly or quarterly.
π Where this applies: Maryland
β Which Cigna dental plans are sold in Maryland?
Cigna's Maryland grid shows Dental Preventive, Dental 1000 and Dental 1500.
These plans use the DPPO Advantage network. However, Cigna Dental 3000/100 is not available in Maryland.
π Where this applies: Maryland
β How many cleanings a year do Cigna dental plans cover in Maryland?
Maryland plans cover one routine cleaning or periodontal maintenance visit per person per calendar year.
π Where this applies: Maryland
β How many dental exams a year does Cigna cover in Maryland?
Cigna covers one oral exam per person per calendar year in Maryland.
In addition, the plans cover up to two sets of bitewing X-rays a year.
π Where this applies: Maryland
β Are root canals basic or major on Cigna dental plans in Maryland?
Root canals are basic services on Cigna dental plans in Maryland.
In Maryland, root canals and periodontal deep cleaning are Class II. On Dental 1000 and 1500, you pay 20% after the deductible.
π Where this applies: Maryland
β How often will Cigna replace a crown in Maryland?
Cigna covers one crown per tooth per 84 consecutive months in Maryland.
Also, the replacement must be due to major decay.
π Where this applies: Maryland
β Does Cigna cover porcelain crowns on molars in Maryland?
No, Cigna does not cover porcelain crowns on molars in Maryland.
Instead, Cigna bases benefits on non-precious metal. The plans do not cover porcelain or tooth-colored material on molar crowns or bridges.
π Where this applies: Maryland
β What crown materials are covered for kids under 16 on Cigna dental in Maryland?
For members under 16, crown benefits cover only resin or stainless steel.
π Where this applies: Maryland
β How often does Cigna cover bridges and dentures in Maryland?
Cigna covers one bridge in any five-year period in Maryland.
It also covers one denture or partial per arch in any five-year period.
π Where this applies: Maryland
β How often does Cigna cover a full-mouth X-ray in Maryland?
Cigna covers one full-mouth or panoramic X-ray in any five-year period in Maryland.
π Where this applies: Maryland
β Does Cigna cover sealants and fluoride for kids in Maryland?
Yes, Cigna covers sealants and fluoride for children under 14 in Maryland.
The plans cover fluoride once a year. Also, sealants are covered once per tooth per lifetime on unrestored molars and bicuspids.
π Where this applies: Maryland
β How often does Cigna cover a deep cleaning in Maryland?
In Maryland, Cigna covers periodontal deep cleaning once per person per lifetime.
Similarly, root canal therapy is covered once per tooth per lifetime.
π Where this applies: Maryland
β What is the orthodontia deductible on Cigna Dental 1500 in Maryland?
The orthodontia deductible on Cigna Dental 1500 in Maryland is $50 per person per lifetime.
It is separate from the yearly deductible. In addition, the orthodontia lifetime maximum is $1,000 per person.
π Where this applies: Maryland
β What are the waiting periods on Cigna dental plans in Maryland?
In Maryland, basic services have a 6-month wait and major services have a 12-month wait.
Also, orthodontia on Dental 1500 has a 12-month wait that cannot be waived.
π Where this applies: Maryland
β Does Cigna Dental Preventive cover any fillings in Maryland?
No, Cigna Dental Preventive does not pay for fillings in Maryland.
On this plan, you pay 100% of the billed charge for basic, major and orthodontic services.
π Where this applies: Maryland
β Does Cigna cover space maintainers for kids in Maryland?
Yes, Cigna covers space maintainers as a preventive service for children under 14 in Maryland.
They are for prematurely removed or missing teeth. However, they are not for orthodontics.
π Where this applies: Maryland
π More Dental and Vision Guides
These answers cover each Cigna dental, vision and hearing plan. When you want more depth, these guides from our licensed agents explain how dental and vision coverage works. Then, if a question comes up, call 888-730-6001 anytime.
π Dental and Vision Guides
𧩠More Dental and Cigna FAQ Libraries
π Questions About Cigna Dental, Vision or Hearing?
These answers cover the most common Cigna dental questions, but every family is different. Therefore, our licensed agents compare Cigna and other dental plans for free.
Best of all, our help costs you nothing. Request a free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- π 888-730-6001
- βοΈ memberservices@vivna.net
- π Deerfield Beach, Florida
Official resources: the Cigna Healthcare website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an appointed, authorized broker for Cigna Healthcare. We are an independent agency, not Cigna. Cigna dental and vision plans continue to be sold. Plans and availability vary by state.