Is Cigna+ Savings the same as Cigna Dental Savings?

Yes. Cigna+ Savings and Cigna Plus Savings are consumer names for the same dental discount membership. Cigna Dental Savings is the same plan in our reviews. It is not Cigna PPO dental insurance.

How much does Cigna Dental Savings / Cigna+ Savings cost?

Individual: $96/year ($8/month equivalent). Family: $132/year ($11/month equivalent). Cigna bills annually only. There is no public couple tier. No start-up fee is published on Cigna pages. Figures from our Cigna review pages, verified July 2026.

When is Cigna Dental Savings not worth it?

Skip it if your preferred dentist does not participate, if you already have subsidized employer dental insurance, or if you will not use a dentist this year. A savings plan only discounts in-network visits. It does not reimburse out-of-network work.

Cigna vs Aetna dental savings: which is worth it?

Cigna Dental Savings is $8/month equivalent ($96/year) with ~110,000 in-network dentists and published fee schedules. Aetna publishes a larger network. Price is close. Network size and whether your dentist participates decide it. See the Cigna vs Aetna comparison.

Is the Cigna Dental Savings Plan Worth It?

Q: Is Cigna Dental Savings Plan worth it?

It can be, if your dentist is in the Cigna Dental Savings network. Individual membership is $96/year ($8/month equivalent). Family is $132/year ($11/month equivalent). Annual billing only. Advertised savings are 20–50% at ~110,000 in-network dentists. It is a discount membership, not Cigna dental insurance. Confirm the dentist participates before you enroll.

By The Dental Savings EditorsReviewed August 20266 min readWe earn commission when you enroll. We don't get paid to rank plans.

Short answer

Cigna Dental Savings, also sold as Cigna+ Savings or Cigna Plus Savings, is worth a look when your dentist is in-network. Individual membership is $96/year ($8/month equivalent). Family is $132/year ($11/month equivalent). Annual billing only. There is no public couple tier. Advertised savings are 20–50% at ~110,000 in-network dentists. It is a discount card, not insurance. This page does not invent an ROI number. Compare the membership fee to the published member prices below and to your dentist’s quote.

Not sure this is the plan? Use the advisor as a secondary check.

Generic math for the category lives on are dental savings plans worth it. This page is Cigna-specific. Full pricing, pros, and cons: Cigna Dental Savings review 2026 and the Cigna plan review. ZIP-level chair prices: Cigna Dental Savings fee schedule.

What you actually pay for Cigna+ Savings

From Cigna plan data (carrier-direct Cigna+ Savings dental discount membership, verified July 2026):

Item	Individual	Family
Annual (billed)	$96/yr	$132/yr
Monthly equivalent	$8/mo	$11/mo
Billing	Annual only. No public couple tier. No start-up fee is published.

Network: ~110,000 in-network dentists. Advertised savings: 20–50%. Activation: about 3 business days. Waiting period: None. Annual maximum: None.

Published member prices (not an ROI claim)

We are not inventing a payback multiple. These typical Cigna member prices already appear in the Cigna review. Compare them to the $96/year individual membership yourself.

Procedure	Average retail	Typical Cigna member price
Routine cleaning (D1110)	$115–$175	$55–$80
Composite filling (D2391)	$200–$350	$90–$155
Porcelain crown (D2740)	$1,200–$1,800	$580–$920
Root canal, molar (D3330)	$1,000–$1,500	$480–$720

Your dentist’s quote with a Cigna+ Savings membership is the real number. Page savings band is 20–50%. Look up ZIP and CDT code on the Cigna fee schedule before you enroll.

When Cigna is worth it

Your current dentist already participates in Cigna Dental Savings / Cigna+ Savings.
You want a published CDT-by-ZIP price before you buy. Cigna is the plan that publishes that schedule.
You already used Cigna for medical or employer dental and want the same brand ecosystem.
You need major work this year (crowns and root canals are listed as covered in plan data) and there is no annual maximum.

When it is not worth it

Your dentist is not in the directory. The card does nothing at that office.
Your employer already subsidizes dental insurance. Take the benefit instead.
You will not visit a dentist this year. An unused membership is just the annual fee.
You want the largest published network we review. That comparison lives on are dental savings plans worth it.

Cigna vs Aetna, briefly

Cigna individual list price is $8/mo equivalent ($96/year). Cigna publishes fee schedules. Aetna publishes a larger network. The comparison write-up is Cigna vs Aetna dental savings and Aetna vs Cigna (side-by-side).

Frequently Asked Questions

Is Cigna Dental Savings Plan worth it?

If your dentist participates, the membership is $96/year individual against 20–50% advertised discounts and no annual cap. If they do not participate, it is not worth it.

Is Cigna+ Savings a different product?

Cigna+ Savings and Cigna Plus Savings are consumer names for this dental-only discount card. Same plan we review as Cigna Dental Savings.

Is this Cigna dental insurance?

No. It is a discount membership: no claims, no waiting period, no annual maximum. Cigna dental insurance is a separate product with premiums and a capped benefit.