Cigna Dental Savings Plan Review 2026: Pricing, Pros & Cons
Cigna's discount dental plan with strong PPO network
Cigna Dental Savings (also sold as Cigna+ Savings / Cigna Plus Savings) is a dental discount membership, not insurance. Individual membership is $8/month equivalent ($96/year), family $11/month equivalent ($132/year), with ~110,000 in-network dentists and 20–50% typical savings. Best for: Those familiar with Cigna from employer benefits.
Quick Verdict
Most readers do better with Careington
Careington rates 4.4★ — the highest of any plan we review — with One of the largest U.S. dental networks, so you’re likelier to find an accepting dentist near you. From $12.95/mo, 20-60% savings, no waiting periods.
Cigna still fits if you specifically want its Northeast/Southeast regional network or already know the brand from an employer plan.
Enroll →2026 Pricing
Cigna Dental Savings
📝 Cigna Dental Savings (discount program, NOT insurance), verified carrier-direct at cignaplussavings.com/enroll 2026-07-24: Individual $96/yr, Family $132/yr. Annual billing only; monthlyRange is the derived annual/12 equivalent, not a monthly billing option. Discounts up to 40%. No public couple tier — individual and family only.
Pros & Cons
✓ Pros
- •Strong national PPO network
- •Transparent pricing — fee schedules available online
- •Covers orthodontics and implants
- •Trusted employer benefits brand
✗ Cons
- •Higher monthly cost than some competitors
- •Network smaller than Careington or Aetna
- •Better suited for areas with Cigna-heavy provider mix
Run the numbers for Cigna Dental Savings Plan
Pick the dental procedures you expect this year — cleaning, filling, crown, root canal, implant — and see what Cigna Dental Savings Plan would actually save you vs. full price.
Run the Numbers →What's Covered
What Cigna Actually Saves You, Procedure by Procedure
Cigna is one of the only dental savings plans that publishes its fee schedule by procedure code, so you can check the exact discounted price before you enroll. Here's what that looks like on common procedures:
| Procedure | Retail | Cigna price | Savings |
|---|---|---|---|
| Routine cleaning | $115–$175 | $55–$80 | 45–55% |
| Composite filling | $200–$350 | $90–$155 | 50–60% |
| Porcelain crown | $1,200–$1,800 | $580–$920 | 45–55% |
| Root canal (molar) | $1,000–$1,500 | $480–$720 | 45–52% |
Dedicated fee-schedule answer (discount plan, not PPO insurance): Cigna Dental Savings Plan fee schedule. Full table and more procedures in our complete Cigna Dental Savings review, or run your own numbers with the calculator.
Honest Trade-Offs
- The network is smaller than Careington's. Cigna is actually cheaper — $96/year for an individual vs. Careington's $129/year — but Careington's much larger network and wider savings range (20–60% vs. Cigna's 20–50%) is the trade-off.
- No cosmetic coverage. Teeth whitening and veneers aren't discounted on this plan, unlike Careington or Aetna.
- Smaller network outside its strongholds. ~110,000 dentists nationwide is thinner than Aetna’s 262,000+ locations, especially in the Mountain West and rural South.
- The fee-schedule lookup is manual. The transparency is real, but you have to search your zip code and procedure code yourself before enrolling — it's not automatic.
See the full pros-and-cons breakdown in our in-depth Cigna review.
Cigna Dental Savings: More Questions
Is Cigna Dental Savings the same as Cigna dental insurance?
No. Cigna Dental Savings is a discount membership, not insurance — you pay a flat monthly fee and get a pre-negotiated discount at participating dentists. There are no claims, deductibles, or annual maximums. Cigna dental insurance is a separate product with premiums, waiting periods, and a capped annual benefit.
Does Cigna Dental Savings publish its fee schedule?
Yes. Cigna is one of the only dental savings plans we reviewed that publishes exact procedure prices by CDT code and zip code, so you can look up what a crown, filling, or root canal will cost at your dentist before you enroll. Typical member prices and the insurance-vs-discount disclaimer are on our Cigna Dental Savings Plan fee schedule answer.
Is Cigna Dental Savings or Careington the better deal?
Careington is cheaper — $129/year individual (vs. Cigna's $120–$216/year) — with a wider savings range (20–60% vs. 20–50%). Cigna is worth the extra cost mainly if you're already in its PPO network from an employer plan, or you want to verify exact procedure pricing before you buy.
Does Cigna Dental Savings cover braces or implants?
Yes. Cigna Dental Savings covers orthodontics (braces) and implants, along with cleanings, fillings, crowns, root canals, extractions, and dentures. It does not cover cosmetic procedures like teeth whitening or veneers.
How much does a filling cost with Cigna Dental Savings?
A composite filling runs $90–$155 with Cigna Dental Savings, compared to $200–$350 at full retail price — a 50–60% discount. Combined with two routine cleanings a year, most members recover the annual membership cost well within the first year.
Where does Cigna Dental Savings have the strongest network?
Cigna's ~110,000-dentist network is densest in the Northeast, Mid-Atlantic, and Southeast — states like Connecticut, New York, New Jersey, Pennsylvania, Georgia, and Florida. Coverage thins out in the Mountain West and rural South, so check your zip code before enrolling.
Pre-Existing Conditions
No restrictions
Bottom Line
Cigna Dental Savings Plan is a solid choice for Those familiar with Cigna from employer benefits and Northeast and Southeast coverage. With ~110,000 in-network dentists and 15-40% off typical dental procedures, most people will recoup the annual membership cost in 1–2 dental visits.
The main limitation is that savings vary — you need to confirm your dentist participates and verify the discount schedule before assuming maximum savings. But with no waiting periods and no annual limits, it's a low-risk way to reduce dental costs significantly.
Ready to save 20–50% on dental care?
Cigna Dental Savings Plan starts at $8/mo — no waiting periods, no annual limits.
Compare Cigna Dental Savings Plan With Other Plans
Talk to our advisor for a personalized match, or compare plans side-by-side.
Best Cigna Dental Savings Plan Plans by State
Network coverage and savings vary by location. See our state-by-state guides for city-level recommendations and cost comparisons.
Frequently Asked Questions
How much does Cigna Dental Savings Plan cost?
Cigna Dental Savings Plan starts at $8/month for an individual plan. Family plans are also available. There are no deductibles or annual maximums — you pay a flat membership fee and get discounted rates at participating dentists.
How much can I save with Cigna Dental Savings Plan?
Cigna Dental Savings Plan members typically save 15-40% on dental procedures. Routine cleanings and exams often cost 20–40% less, while major work like crowns and root canals can save 40–60%. Actual savings depend on your dentist and location.
Is there a waiting period with Cigna Dental Savings Plan?
No. Cigna Dental Savings Plan has no waiting periods. Once your membership activates (typically within 3 business days), you can use your discounts for any covered procedure immediately — including major restorative work.
How do I use Cigna Dental Savings Plan at the dentist?
Find a participating dentist in the Cigna Dental Savings Plan network directory, then present your membership card or number at your appointment. The dentist will apply the pre-negotiated discount rate. You pay the discounted price directly — no claims to file.
Can I use Cigna Dental Savings Plan with my dental insurance?
In many cases yes — you can use your insurance first, then apply the Cigna Dental Savings Plan discount to your remaining balance. Check with your insurer first, as some policies restrict coordination with discount plans.
We earn a commission at no cost to you.