Cigna provides dental insurance for seniors in several ways. As a large and well-known insurance provider, many seniors can benefit from the investment in dental insurance from Cigna, especially if they are looking for a simple, cost-effective solution that meets most of their needs. Take a look at the type of insurance available and the costs you can expect to pay for plans.
Traditional Cigna Dental Insurance Plans
Seniors can purchase the same dental insurance plans that Cigna offers to other adults for their needs. There are no specific plans designed just for seniors – these are plans designed for most adults. The company, which has 15 million dental insurance policies for U.S. consumers, offers several options:
Cigna Dental 1500
The most expensive Cigna dental insurance policy, Cigna Dental 1500, is a common option for many adults who need and use dental insurance on a routine basis. This plan offers:
- No deductible for in-network preventative dental care services
- Up to $1500 worth of covered restorative coverage per year, after deductibles and any available coinsurance.
- The deductible on this plan, when it applies, is $50 for a single adult or can be $150 for a family, though most seniors benefit from individual plans.
- For those who have abnormalities, such as with tooth spacing, this policy offers orthodontia coverage of up to $1,000, as a lifetime limit with deductible and coinsurance applied.
The Cigna Dental 1500 plan costs $35 per month per person. For some seniors, this can be higher than is necessary or beneficial in terms of how much care is received on a routine basis.
Cigna Dental 1000
The Cigna Dental 1000 plan is a stepped down plan. It is designed for adults who want a lower premium and want good access to a dental provider network. This plan provides a number of benefits, including:
- No deductible for any in-network preventative care
- For restorative dentistry, the plan offers $1,000 worth of coverage per year after all deductibles and coinsurance is met.
- This plan has a deductible structure of $50 per individual or $150 for a family unit.
- It does not cover orthodontia, such as bracing and gapping solutions.
This plan is a bit less expensive. It is $30 per month at the time of this writing. While more affordable, it still offers a higher cost than what some seniors may benefit from on a fixed budget.
Cigna Dental Preventative
The most affordable policy from the company, Cigna Dental Preventative, can be beneficial to some seniors. The plan is good for those who are unlikely to need a lot of dental work – you’ve had implants and dentures already put into place. This plan offers:
- No cost for preventative dental work with no deductible if you visit an in-network provider
- It does not offer restorative coverage.
- There is no deductible for individuals or family plans.
- Orthodontia is not covered under this plan.
As a basic dental plan for seniors, this Cigna plan can be a better choice for those who want very basic coverage. It costs $19 per month.
What Are the Benefits of Cigna Dental Insurance for Seniors?
For seniors who need dental coverage, Cigna offers a variety of benefits through its actual dental insurance plans. This includes, as mentioned, the zero-cost preventative care for things like x-rays, routine cleanings, and in-network checkups.
The network itself is large in most areas. The organization has 90,000 dentists available to seniors across most areas of the country. This allows for easy access to low-cost care.
Cigna also helps empower users by providing tools that let them compare dental providers before visiting. For example, using the Brighter Score tool, it is easy to see who is more affordable, which dental provider offers better patient experience, and what each provider’s dental experience is.
There is also 24/7 support. If there is a question about coverage or a need for fast help, this is provided as a component of the coverage.
Does Cigna Dental Insurance Cover Dentures?
Not all Cigna dental insurance plans will provide coverage for dentures. Rather, those plans that offer restorative dental coverage will provide the best type of protection in this area. That includes the Cigna Dental 1500 and Cigna Dental 1000 plans. However, there is a cap on the amount of coverage provided, and this may or may not provide enough coverage for full denture procedures.
What Is Cigna Dental Savings?
Another option for seniors from Cigna is its Cigna Dental Savings program. This is not outright insurance. Rather, it is designed to make it easy to obtain the care you need. There is a specific Cigna Dental Savings for Seniors plan. That plan offers the following coverage:
- Discounts of up to 31 percent on all dental services needed.
- Savings on prescription costs, including for typical medications such as antibiotics.
- The plan also includes discounts for pet prescriptions, vitamins, supplements, and roadside assistance. There are eye care, hearing, and diabetic care management discounts available through this service, as well.
This dental savings program allows individuals to choose care from a network of participating dentists (and other medical care providers). Users simply scan their discount card to receive these discounts as members. This plan costs $156 for an individual or $216 for a family.
Cigna Dental Insurance for Seniors Reviewed
Cigna is a well-established company, which means there are plenty of dental providers available within its network – paying out-of-network costs is less likely to occur. While the plan costs are high for those who need more advanced and routine care, it can be worthwhile to purchase these. For those who need basic, routine care, then the Cigna Dental Preventative care plan can be a good fit. The dental savings program works well for seniors who want a discount off the total cost of any dental care they receive, assuming they visit the in-network providers who participate in it.
Cigna dental insurance for seniors can be a good choice, depending on the type of care an individual needs. Though a bit pricier than other options, it can work well for those who want to maintain their dental health long term.