Cigna Dental Savings Review 2026: Pricing, Transparent Fee Schedules & Verdict

Quick answer: Cigna Dental Savings costs $8/month equivalent for an individual, but Cigna bills $96 annually; family membership is $132 per year, or $11/month equivalent. These are not monthly payment options. Cigna advertises savings up to 40%, but the actual price depends on the procedure, location, and participating dentist. Check the fee schedule and dentist directory before enrolling. See our full plan comparison for the rankings, the Careington 500 Series review, and the Aetna Dental Savings review.

Cigna is a household name in health insurance — and their dental savings plan taps into the same PPO network that millions of employees use through employer benefits. If you have used Cigna dental insurance through work, confirm your dentist separately in the Dental Savings directory; acceptance of the insurance product does not establish savings-program participation. So does that familiarity make it the right choice? Here's the full picture.

What Is the Cigna Dental Savings Plan?

Like all dental savings plans, this is a membership — not insurance. Cigna bills this program annually. Members access negotiated rates at participating dentists and pay those fees directly instead of filing insurance claims.

You'll also see this program searched as Cigna Plus Savings — it's the same dental discount membership, just the brand name Cigna has used for its savings program. Whichever name you find it under, the structure is identical: a flat membership fee for access to a discounted fee schedule.

Cigna's plan draws from their established PPO network, which is why the provider list skews toward higher-quality, credentialed practices. The ~110,000 in-network locations include many practices that also accept Cigna dental insurance — meaning the fee schedules are well-established and dentists are familiar with the discount structure.

Cigna Dental Savings 2026 Pricing

Cigna is priced lower than Careington and close to Aetna's entry price. The main trade-off for the lower cost is a smaller network than either of those two. Billed annually only (no monthly billing option); the figures above are the annual-fee, monthly-equivalent price.

How Much Does Cigna Actually Save You?

Cigna advertises savings up to 40%. The actual discount depends on the procedure, location, and participating dentist. Its fee-schedule lookup lets you check the available member price before enrolling.

Fee Schedule Transparency

This is Cigna's biggest practical advantage. Most dental savings plans give you a vague "save 20–60%." Cigna publishes their fee schedules by procedure code and region. Before you buy, you can look up:

• Your dentist's zip code
• The exact procedure you need (e.g., D2740 for a porcelain crown)
• The exact Cigna negotiated price you'll pay

If you have a specific procedure coming up, this lets you calculate exactly how much you'll save before spending a dollar on membership. That's genuinely rare.

Network Coverage

At ~110,000 in-network locations, Cigna's network is smaller than Careington's (one of the largest in the U.S.) and Aetna's (262K+). Coverage is strongest in the Northeast, Mid-Atlantic, and Southeast — regions where Cigna has the deepest employer insurance penetration.

Where Cigna shines: If you live in Connecticut, New York, New Jersey, Pennsylvania, Georgia, or Florida, Cigna's network is particularly dense. Dentists in these regions are deeply familiar with Cigna fee schedules.

Where it's thinner: The Mountain West and parts of the rural South have fewer participating providers. Check your zip code before buying.

How to Enroll in Cigna Dental Savings

The process is the same one used across the site's other reviewed plans, and it's short:

1. Check the provider directory first. Search Cigna's dentist locator by zip code before you pay for anything — confirming your dentist (or finding a new one) participates is the single most important step.
2. Pick individual or family. Individual costs $96/year and family costs $132/year. Cigna bills annually and does not publish a couple tier.
3. Enroll and wait for activation. There's no medical questionnaire and no waiting period on any procedure — the membership activates in about 3 business days.
4. Show your card at the appointment. Present your membership number, and the dentist applies the discounted fee-schedule rate directly. No claims to file, no reimbursement to chase.

What a Family Actually Saves

A family plan costs $132 per year and is billed annually. Whether it saves a household money depends on which family members use participating dentists and the member fees for their expected procedures. Check those fees before enrolling rather than applying the advertised maximum discount to every service. Compare that against the full Cigna Dental Savings review for the individual pricing and pros/cons breakdown, or see how Cigna stacks up against every other plan on our best dental savings plans ranking.

Cigna Dental Savings by Region

Network density is the biggest reason to consider Careington's much larger network over Cigna's lower price. Cigna's ~110,000 dentists concentrate in states where the company has deep employer-insurance penetration:

• Connecticut — Cigna's headquarters state (Bloomfield, CT); network density here is among the strongest nationwide.
• New York and New Jersey — dense Northeast corridor coverage.
• Pennsylvania — Mid-Atlantic coverage extends the Northeast network south.
• Georgia and Florida — Cigna's Southeast stronghold.

Outside these regions — particularly the Mountain West and rural South — check the provider directory by zip code before enrolling. A thinner network there can mean driving further for an in-network dentist, which is where Careington's broad nationwide network or Aetna's 262,000+ locations tend to have an edge.

Pros

• Transparent fee schedules — look up exact procedure costs before enrolling
• Strong PPO network — ~110K locations, especially dense in the Northeast/Southeast
• Covers orthodontics and implants — not all plans do
• Same dentists as Cigna insurance — familiar network for former Cigna insurance customers
• No waiting periods — use immediately for any procedure
• Trusted brand — 18M+ dental members, in business since 1982

Cons

• No couple tier — only individual or family pricing, billed annually
• Network smaller than Careington or Aetna — ~110K vs. Careington's much larger (unpublished) network or Aetna's 262K+
• No cosmetic coverage — teeth whitening, veneers not included
• Regional strength — better value if you're in Cigna-heavy states

Where Cigna Dental Savings Falls Short

The pros above are real, but so are these trade-offs. Weigh them before you enroll.

• The network is smaller for the money. Cigna costs $96/year for an individual and bills annually. Careington lists $149/year through 1Dental with no setup fee and advertises a broader savings range. Check both directories because national network size does not guarantee that your dentist participates.
• No cosmetic coverage. Teeth whitening and veneers aren't discounted on this plan. If cosmetic work is part of your plan, Careington or Aetna cover it and Cigna doesn't.
• The network gap is real outside Cigna's strongholds. ~110,000 dentists sounds like a lot until you compare it to Careington's much larger network or Aetna's 262,000+. In the Mountain West and rural South, that gap can mean driving further to find an in-network dentist.
• Fee-schedule transparency takes effort. The published pricing is a genuine advantage, but it's not automatic — you have to look up your zip code and the exact procedure code yourself before you buy. If you just want a flat "we'll save you 20–60%" promise without doing that legwork, a different plan may feel simpler.
• Best case for it is narrow. Cigna makes the most sense for two groups: people already in its PPO network from an old employer plan, and people with a specific, priced-out procedure coming up. Outside those two situations, the smaller network is the bigger trade-off to weigh.

Want to see exactly how the numbers shake out for your own situation? Run your expected procedures through the dental savings calculator — it compares Cigna's real savings against full retail cost for whatever cleanings, fillings, or major work you're planning this year.

Who Should Get Cigna Dental Savings?

Best for:

• Former Cigna dental insurance customers whose dentist is already in-network
• People in the Northeast or Southeast where Cigna's network is densest
• Anyone with an upcoming specific procedure who wants to verify the exact cost first
• Those who value fee schedule transparency over network size

Not ideal for:

• Buyers who need the widest possible network — Careington and Aetna reach further
• People in the Mountain West or rural areas — check network first
• Those needing cosmetic dental work

How It Compares

See the full Careington review and Aetna Dental Savings review for the other two columns, or compare all plans.

Cigna Dental Savings Plan Reviews: How We Rate It We rate the Cigna Dental Savings Plan 4.1 out of 5. Here's what drives that score — and what to weigh before you read any single review. What members consistently value: the fee schedule transparency (the single most-praised feature — being able to look up an exact procedure price before paying for membership is rare), the familiar PPO provider list for anyone coming off Cigna dental insurance, and immediate use with no waiting period. The brand trust factor is real too — Cigna has 18M+ dental members, so the network and billing are well-established. The recurring complaints: the network size. At ~110,000 dentists, Cigna trails Careington's much larger network and Aetna's 262,000+ locations, so buyers outside Cigna's stronghold regions sometimes rate it lower. The other common knock is the lack of a couple tier — it's individual or family only. One caution on reviews you'll find elsewhere: a lot of online "Cigna dental" complaints are actually about Cigna dental insurance (claim denials, waiting periods, annual maximums) — none of which apply to the savings plan, since it isn't insurance. When you're reading reviews, confirm they're about the savings membership, not the insurance product. Our rating here is for the savings plan specifically. ## What Cigna's Fee Schedules Actually Tell You Here's the practical edge. Suppose you need a porcelain crown (procedure code D2740). With Cigna, you can use the fee-schedule lookup for your location and procedure, then ask the participating dentist to confirm the member price before you spend money on the membership. That matters when the procedure costs $1,200–$1,800 at full price and a crown is the reason you're buying a plan at all. You're not relying on a range — you're seeing the contract rate. For comparison: Careington's 20–60% savings range is accurate, but you don't know where your dentist lands until after enrollment. Cigna removes that ambiguity for anyone with a specific upcoming procedure. ## When to skip Cigna Dental Savings Skip the membership if your intended dentist cannot confirm this exact discount program, if the full member treatment quote plus the annual fee costs more than the office’s cash offer, or if you need the plan to reimburse your bill. Cigna’s product disclosure says members pay participating providers directly. Its direct savings-program site also lists state restrictions; check the exact program available where you live. Ask the office to price each treatment code before paying for a membership. ## What Cigna Actually Costs vs. What You Save At $96 per year for an individual, compare the membership cost with the confirmed member fees for the care you expect: - Routine care: Check the member prices for exams, X-rays, and cleanings, then compare the total discount with the $96 annual fee. - Fillings: Match the exact filling code to the fee schedule because prices vary by material, tooth, and surface count. - Crowns: Check the crown code and participating dentist's member price before assuming the advertised maximum discount. - Root canals: Confirm whether the treating dentist is a participating general dentist or specialist and request the member fee in advance. Family membership costs $132 per year. Cigna bills both individual and family memberships annually. ## Is Cigna Worth It If You Rarely Go to the Dentist? Be honest about how often you actually see a dentist before you buy. If you expect only one cleaning, look up that cleaning's member fee and compare the actual discount with Cigna's $96 annual membership cost. Do not assume the advertised maximum applies. For larger work, use the exact procedure code and participating provider to find the member fee, then subtract it from the dentist's regular fee. Add the savings across all expected care and compare that total with the annual membership cost. If the confirmed savings do not exceed the fee, a cheaper plan or no plan may make more sense. ## Frequently Asked Questions Is Cigna Dental Savings the same as Cigna dental insurance? No. It costs $96 per year for an individual or $132 per year for a family, and members pay negotiated fees directly to participating dentists. Is Cigna Dental Savings legit? Yes. Cigna has offered dental coverage since 1982, and the savings plan serves 18M+ dental members on the same established PPO network used by Cigna's employer dental insurance. The published fee schedules make pricing verifiable before you buy, which most discount plans don't offer. Is Cigna Dental Savings or Careington the better deal? Cigna lists $96/year for an individual, while Careington lists $149/year through 1Dental with no setup fee. Cigna advertises savings up to 40%; Careington advertises 20–60%. Check dentist participation and the member price for your procedure before choosing. See the full plan-by-plan breakdown on our Cigna Dental Savings review. 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? The filling price depends on the procedure code, location, and participating dentist. Use Cigna's fee-schedule lookup and ask the dentist to confirm the negotiated member fee before treatment. Can I use Cigna Dental Savings with my existing Cigna insurance? Ask the dentist and insurer before treatment. Cigna Dental Savings is a discount program, and whether it can be used alongside existing coverage depends on the provider and policy rules. ## Bottom Line Cigna Dental Savings is the plan for people who want to know exactly what they're getting before they buy. The published fee schedules remove the guesswork that plagues most dental savings plan decisions. If you're facing an expensive procedure and want to run the exact numbers, Cigna is your plan. Cigna undercuts Careington on price — about $5/month less for individuals — but gives up network size to get there. For most people, that trade-off is worth weighing against how easily they can find an in-network dentist nearby. Our rating: 4.1/5 — Best choice for procedure-specific buyers and former Cigna customers. Not sure if Cigna is right for you? Compare all plans side-by-side → or talk to our advisor for a personalized match.

How much is Cigna Dental Savings per month in 2026?

Cigna Dental Savings costs $96 per year for an individual, which works out to $8 per month, and $132 per year for a family, about $11 per month. Cigna bills both memberships annually. Cigna Dental Savings publishes its fee schedule online, so a member can look up the negotiated price for a procedure code before paying for the membership.

Source: Cigna's direct savings-program site, reviewed October 2026.

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Related reading:

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• Full Cigna Dental Savings plan review — pricing, pros, cons →
• Cigna vs. Aetna Dental Savings — which network wins in 2026? →
• Aetna Dental Savings review — 262,000+ locations, from $8/mo →
• Best dental savings plans of 2026 — all 7 plans ranked →
• Dental savings plan vs dental insurance — key differences →
• Aspen Dental savings plan — is the in-house plan worth it vs Cigna? →