Cigna Dental Savings Plan Review 2026: Pricing, Pros & Cons
Cigna's discount dental plan with strong PPO network
Individual membership is $8/month equivalent ($96/year), family $11/month equivalent ($132/year), with ~110,000 in-network dentists. The published savings range is 15-40%; your discount depends on the procedure and participating dentist. Best for: Those familiar with Cigna from employer benefits.
Cigna Dental Savings is billed annually: $96 for one person and $132 for a family. The $8 and $11 figures are those annual prices divided by 12, not a monthly billing option. Published discounts run 15–40% at about 110,000 dentists, and activation takes 3 days. There is no public couple price.
| Household | Annual price | Monthly | Published savings | Activation | Network |
|---|---|---|---|---|---|
| Individual | $96 | $8 is annual divided by 12, not a monthly bill | 15–40% | 3 days | About 110,000 dentists |
| Family | $132 | $11 is annual divided by 12, not a monthly bill | 15–40% | 3 days | About 110,000 dentists |
As of Oct 2026. No public couple tier is in the plan record. No setup-fee dollar is listed.
Sources
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 $14.95/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.
Check price at 1Dental →Confirm Cigna Savings, not just the Cigna name
- The Cigna link here goes to DentalPlans.com’s CignaPlus Savings listing. The catalog’s carrier-direct fee is not a quote for that marketplace offer. Its current membership price, processing charges, and activation date remain unknown for your ZIP code until you verify the checkout and participating dentist.
- Ask the office to confirm Cigna Dental Savings participation and the price for each procedure code in your treatment plan. Acceptance of a Cigna insurance product alone does not answer that question.
- The direct program’s website lists state availability restrictions. Check the exact program offered in your ZIP code before paying; a marketplace listing and a carrier-direct program may have different enrollment terms.
- Cigna states that members pay the discounted fees directly to participating dentists. Skip this choice if you need reimbursement, cannot fund the treatment bill, or your provider’s member estimate does not beat its cash price after the membership fee.
Read the source documents before enrolling:
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
- •Compare local participating dentists; published network figures use different units and dates.
- •Better suited for areas with Cigna-heavy provider mix
Run the numbers for Cigna Dental Savings Plan
Select your expected procedures to estimate illustrative cash costs. Actual plan savings require written cash and member treatment quotes plus first-year membership fees.
Run the Numbers →What's Covered
How to Check Your Cigna Savings
Cigna publishes a fee-schedule lookup by location and procedure. Use it with the dentist you plan to visit before enrolling because the price and discount vary by procedure, location, and participating dentist. The plan's published savings range is 15-40%; the maximum is not guaranteed on every service.
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
- Compare local participating dentists. Cigna is cheaper for an individual at $96/year vs. Careington's $149/year through 1Dental, but Careington has a wider published savings range (20–60% vs. Cigna's 15-40%).
- No cosmetic coverage. Teeth whitening and veneers aren't discounted on this plan, unlike Careington or Aetna.
- Participation varies by location. Cigna lists about 110,000 in-network dentists; Aetna's 262,000+ figure counts provider locations. These are different units, not a like-for-like network ranking. Confirm your dentist participates before enrolling.
- 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 an annual discount membership, not insurance. It costs $96 per year for an individual or $132 per year for a family, and members pay negotiated fees directly to participating dentists.
Does Cigna Dental Savings publish its fee schedule?
Yes. Cigna publishes a fee-schedule lookup by location and procedure, so you can check the discounted rate available through a participating dentist before enrolling. Actual prices and savings vary by procedure, location, and dentist.
Is Cigna Dental Savings or Careington the better deal?
Cigna costs $96/year for an individual or $132/year for a family, while Careington costs $149/year for an individual through 1Dental and offers couple and family tiers. Careington has a wider published savings range; Cigna may fit better if your dentist participates in its network. Compare the fee schedule for your procedure and location before choosing.
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 price of a filling varies by procedure code, location, and participating dentist. Check Cigna’s fee-schedule lookup for the discounted price at a dentist you plan to use; do not assume the plan’s maximum discount applies to every filling.
Where does Cigna Dental Savings have the strongest network?
Cigna lists about 110,000 in-network dentists, but participation varies by location. Check Cigna's directory for the dentist you plan to use before enrolling rather than relying on the national network total.
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 15-40% 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 costs $96 per year for an individual or $132 per year for a family. Cigna bills annually; $8 and $11 are monthly equivalents, not monthly payment options.
How much can I save with Cigna Dental Savings Plan?
Cigna Dental Savings Plan advertises savings up to 40%. Actual savings depend on the procedure, location, and participating dentist, so check the fee schedule before enrolling.
Is there a waiting period with Cigna Dental Savings Plan?
No. Cigna Dental Savings Plan has no procedure waiting period. Confirm the membership effective date before scheduling treatment.
How do I use Cigna Dental Savings Plan at the dentist?
Find a participating dentist in Cigna's directory, then present your membership information at the appointment. You pay the negotiated member fee directly; this is a discount program, not insurance.
Can I use Cigna Dental Savings Plan with dental insurance?
Ask the dentist and insurer before treatment. Cigna Dental Savings Plan is a discount program, not insurance, and coordination rules can vary.
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Cigna Dental Savings Plan
4.1/5 · From $8/mo
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