No. Cigna Dental Savings is a discount program, not insurance, so there is no deductible, no coinsurance, and no claim forms. You pay $96/year individual ($132 family), billed annually, then the discounted member price directly at participating dentists, with no annual maximum.
A deductible belongs to insurance mechanics: money you spend before the policy starts paying. Cigna Dental Savings never pays anything, so there is nothing to trigger. The same logic removes coinsurance, claim forms, and annual maximums from the picture.
| Item | Cost |
|---|---|
| Individual | $96/year ($8/month equivalent) |
| Family | $132/year ($11/month equivalent) |
| Billing | Annual |
| Network | ~110,000 in-network dentists |
Figures verified carrier-direct July 2026. Cigna is one of the few plans that publishes fee schedules by ZIP code; see our Cigna fee schedule answer for exact member prices before you enroll.
Cigna sells both products under one brand. Traditional Cigna dental insurance carries premiums, deductibles, waiting periods, and annual caps. The Dental Savings program shares the logo and nothing else. If a page asks you to meet a deductible before benefits kick in, you are looking at the insurance product, not this discount program.
Not on the Dental Savings program. It is a discount membership with no deductible, no coinsurance, and no claims.
The known costs are the annual membership only. Confirm current terms at enrollment, since administrators can adjust policy windows.
Cigna Dental Savings (sold as Cigna+ Savings), the discount program. Cigna dental insurance is a separate product entirely.