Both Aetna and Cigna offer dental savings plans through their insurance networks — and both are solid options backed by major carriers. The real difference comes down to network and pricing. Aetna's dental savings network covers 217,000+ dentist locations nationwide and tends to be slightly cheaper ($8–14/mo individual). Cigna's network has 155,000+ in-network providers and is stronger in specific metro markets — particularly for people who already use Cigna for other insurance. If you're an existing Cigna customer, sticking with Cigna keeps everything under one umbrella. Otherwise, Aetna's larger network and lower entry price give it a slight edge for most new enrollees.
Major insurer's dental discount network with one of the largest provider lists
★★★★☆4.2From $8/mo · 217,000+ dentist locations
Cigna's discount dental plan with strong PPO network
★★★★☆4.1From $10/mo · 155,000+ in-network locations
| Feature | Aetna Dental Savings | Cigna Dental Savings |
|---|---|---|
| Individual/month | ✓$8–14/mo | $10–18/mo |
| Family/month | ✓$16–24/mo | $20–30/mo |
| Network size | ✓217,000+ locations | 155,000+ locations |
| Typical savings | 15–50% | 20–50% |
| Activation time | 3 business days | 3 business days |
| Waiting period | None | None |
| Annual maximum | None | None |
| Ortho discounts | Yes | Yes |
| Implants covered | Yes | Yes |
| Cosmetic discounts | ✓Yes | Limited |
| Best markets | National (broad coverage) | Northeast, Southeast metros |
| Existing customer benefit | Can stack with Aetna insurance | Can stack with Cigna insurance |
Aetna wins on network size and price; Cigna wins for existing Cigna customers and strong metro-area discounts.
You're starting fresh and want the best coverage at the lowest price. Aetna's 217,000+ location network is larger than Cigna's, the individual plan starts cheaper ($8/mo vs $10/mo), and it includes cosmetic procedure discounts. Good for anyone across the country — not just Aetna insurance customers.
You already use Cigna for medical or vision insurance and want to consolidate under one carrier. Cigna's discount percentages are competitive (20–50%) and their network is particularly strong in Northeast and Southeast metro areas. The higher price ($10–18/mo) is offset by familiarity and consolidated billing.
Our 2-minute quiz matches you with the best dental savings plan based on your dentist, budget, and what dental work you need.
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