Cigna and Humana are both big insurance brands that offer dental savings plans — membership-based discount programs you can use without traditional dental insurance. They're more similar than different on the basics: both have no waiting periods, no annual maximums, and activate within 3 business days. The differences come down to network size, pricing, and who each plan is actually built for. Cigna's network has around 110,000 in-network dentists and is strongest in metro markets, particularly in the Northeast and Southeast. Humana's network is larger at around 140,000 dentists and is specifically tuned for seniors — Medicare-friendly, with strong pricing on dentures and restorative work. For most people under 60, Humana edges Cigna on network size. For seniors or Medicare supplement seekers, Humana is the clear pick. For existing Cigna insurance customers who want everything under one carrier, Cigna makes sense.
Cigna's discount dental plan with strong PPO network
★★★★☆4.1From $10/mo · ~110,000 in-network dentists
Medicare-friendly dental savings with competitive pricing
★★★★☆4.0From $9/mo · ~140,000 network dentists
| Feature | Cigna Dental Savings | Humana Dental Savings |
|---|---|---|
| Individual/month | $10–18/mo | ✓$9–14/mo |
| Family/month | $20–30/mo | ✓$18–25/mo |
| Network size | ~110,000 dentists | ✓~140,000 dentists |
| Typical savings | 20–50% | 15–50% |
| Activation time | 3 business days | 3 business days |
| Waiting period | None | None |
| Annual maximum | None | None |
| Ortho discounts | ✓Yes | No |
| Implants covered | Yes | Yes |
| Dentures | Yes | ✓Yes — strong senior pricing |
| Medicare-friendly | Not specifically | ✓Yes — Medicare supplement option |
| Rating | 4.1/5 | 4.0/5 |
| Best markets | Northeast, Southeast metros | Nationwide, senior-focused |
Humana has the larger network and lower price — and is the clear pick for seniors. Cigna is the better choice for existing Cigna customers or patients in Cigna-heavy metro markets who need orthodontic discounts.
You already use Cigna for medical or vision insurance and want to consolidate under one carrier, or you need orthodontic discounts (Humana does not cover braces). Cigna's network is strong in Northeast and Southeast metros, and transparent fee schedules are available online. The higher entry price ($10–18/mo individual) is offset for people who value staying with a familiar carrier.
You want a lower price ($9–14/mo individual), a larger network (~140,000 dentists), or specifically need a Medicare-friendly plan for seniors. Humana's dental savings plan is built with the 65+ demographic in mind — strong denture and restorative pricing, Medicare gap coverage, and competitive family rates. For anyone who doesn't need ortho discounts and wants to spend less per month, Humana is the better deal.
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