Last updated: March 2026
How Much Does Cigna Dental Insurance Cost?
Without Insurance
$0 – $0
Average: $0
With Insurance
$20 – $55
Average: $38
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Cigna Dental PPO Individual (monthly) | $0 – $0 | $25 – $45 |
| Cigna Dental PPO Family (monthly) | $0 – $0 | $45 – $55 |
| Cigna Dental DHMO Individual (monthly) | $0 – $0 | $10 – $20 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Cigna offers DPPO and DHMO dental plans with extensive networks. Known for no waiting periods on some plans.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
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How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Cigna dental PPO plans cost $25 to $55 per month. DHMO plans start as low as $10 per month but limit you to a specific dentist.
Some Cigna plans have no waiting periods for basic and major services, which is a significant advantage. Always verify the specific plan terms.
Cigna has a large dental network with over 93,000 participating dentists and specialists nationwide.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.