Cigna Dental Savings Plan Review 2026: Pricing, Pros & Cons
Cigna's discount dental plan with strong PPO network
Quick Verdict
Cigna Dental Savings Plan is a direct dental discount network with ~110,000 in-network dentists. At $10/month for an individual, it delivers 20-50% savings with no waiting periods. Best for: Those familiar with Cigna from employer benefits.
Most readers do better with Careington
Careington rates 4.4★ — the highest of any plan we review — with 200,000+ network dentists, so you’re likelier to find an accepting dentist near you. From $9.95/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.
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2026 Pricing
Cigna Dental Savings
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% |
Full fee schedule and more procedures in our complete Cigna Dental Savings review, or run your own numbers with the calculator.
Honest Trade-Offs
- It costs more than Careington. Cigna runs $120–$216/year for an individual vs. Careington's $99/year — $21 to $117 more for a similar 20–50% savings range (Careington covers 20–60%).
- 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 Careington (200,000+) or Aetna (217,000+), 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.
Is Cigna Dental Savings or Careington the better deal?
Careington is cheaper — $99/year vs. Cigna's $120–$216/year — with a larger network (200,000+ vs. ~110,000 dentists) and 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 20-50% 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 $10/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.
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