Affordable Dental Insurance Plans for Individuals (2024)

Waiting Periods: If you've recently had prior dental coverage, waiting periods may be waived for select procedures. Review details for your state and plan by going to plan documents. View Dental Plan Documents

*Insured by Cigna Health and Life Insurance Company

**CIGNA HEALTHCARE DENTAL INSURANCE PLANS ARE NOT MAJOR MEDICAL OR COMPREHENSIVE HEALTH INSURANCE POLICIES AND DO NOT PROVIDE THE MINIMUM ESSENTIAL COVERAGE NECESSARY TO AVOID PENALTY UNDER THE AFFORDABLE CARE ACT OF 2010 (ACA).

1(+) Sample daily rate is based on a single person and represents the national average rate for all Cigna Healthcare plans (all ages and geographic locations) and reflects rates valid through February 2023.

2 Cigna Healthcare Dental book of business, internal reporting as of May 2023. Subject to change.

3 You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna Healthcare reimburses for billed services.

4 Brighter features may vary by dentist. These and other dentist directory features are for educational purposes only and should not be the sole basis for decision-making. They are not a guarantee of the quality of care that will be provided to individual patients and you should consider all relevant factors when selecting a dentist.

5 Not all preventive services are covered, including athletic mouth guards. Refer to the policy for a complete list of covered and non-covered preventive services. Frequency limitations apply. Cigna Healthcare Dental plans in MD cover one dental cleaning per calendar year.

6 Cigna Healthcare internal utilization data. As of May 2023. Subject to change.

7 Cigna Healthcare internal utilization data – average percentage of recommendations across network DPPO dentists by Cigna Healthcare customers. As of May 2023. Subject to change.

8 Sample monthly rates are based on a single person per month and represent the national average rates for each Cigna Healthcare plan (all ages and geographic locations) and reflect rates as of July 2022. Premiums vary by geographic area.

9 Deductibles vary by plan and services. Please refer to the policy to understand the specific deductible and service details.

10 Implants subject to $2,000 lifetime maximum and a 12-month waiting period.

11 Not Available in AK, CA, MT, ND, OK, RI, SD, UT, VT and WA. The discount medical, health and drug benefits (The Program) are NOT insurance, a health insurance policy, a Medicare Prescription Drug Plan or a qualified health plan under the Affordable Care Act. The Program provides discounts for certain medical services, pharmaceutical supplies, prescription drugs or medical equipment and supplies offered by providers who have agreed to participate in The Program. The range of discounts for medical, pharmacy or ancillary services offered under The Program will vary depending on the type of provider and products or services received. The Program does not make and is prohibited from making members’ payments to providers for products or services received under The Program. The Program member is required and obligated to pay for all discounted prescription drugs, medical and pharmaceutical supplies, services and equipment received under The Program, but will receive a discount on certain identified medical, pharmaceutical supplies, prescription drugs, medical equipment and supplies from providers in The Program. The Discount Medical Plan/Discount Plan Organization is Alliance HealthCard of Florida, Inc., 5005 LBJ Freeway, Suite 1500, Dallas, TX 75244. You may call 1.800.240.2035 or email info-abs@member-questions.com for more information or visit the provider locator on this site for a list of providers. The Program will make available before purchase and upon request, a list of program providers and the providers’ city, state and specialty, located in the member’s service area. The fees for The Program are specified in the membership agreement. The Program includes a 30-day cancellation provision. Note to MA consumers: The Program is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00.

12 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

^ Available benefits up to $3,650 are only available with the Cigna Dental Vision Hearing 3500 insurance plan. Listed benefit total is for the calendar year maximum per person. Refer to the policy for a complete list of benefit highlights and limitations.

Not all plans available in all states. Please refer to plan documents for more details. Please note: The only Cigna Healthcare plans available for New Mexico residents are the Cigna Dental 1000 and the Cigna Dental 1500 dental insurance plans. Not for use in UT.

For New Mexico residents this page is advertising dental insurance products and form codes are INDDENPOLNM0322.1500 and INDDENPOLNM0322.1000. For Oregon residents, this page is advertising dental insurance products and form codes are INDDENTPOLOR0713.Prev, INDDENTPOLOR0713.1000, INDDENTPOLOR0713.1500, INDDVPOL (OR) 1021.1000, INDDVHPOL (OR), 1021.2000, INDDVHPOL (OR), 1021.3500

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company and Cigna Dental Health, Inc. In Texas, the Dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna DPPO Advantage network.

This page is not intended for use in NM.

Affordable Dental Insurance Plans for Individuals (2024)

FAQs

How much do most people pay for dental insurance? ›

Monthly premiums

The premium is a monthly amount that you and/or your employer pays for insurance. The premium amount may vary between different insurance companies and from plan to plan. A typical premium amount for a dental plan may be $20–$50 per month for an individual or $50–$150 per month for a family.

What is the best dental insurance to get? ›

  1. 7 Best Dental Insurance Providers.
  2. Delta Dental. *Starting rates; exact rates vary by location, age and other factors. ...
  3. Anthem Blue Cross Blue Shield. ...
  4. Humana Dental. ...
  5. Renaissance Dental. ...
  6. MetLife Dental. ...
  7. UnitedHealthcare. ...
  8. Cigna Dental.

How much is dental insurance in CA? ›

The average dental insurance premium in California is $35.36 per month. *This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, coverage level, and other factors. Get a personalized quote to see what may be available for you.

Which dental plan is the best in California? ›

Top Dental Insurance Companies in California:
  • Delta Dental of California. Pros: Delta Dental is a well-established and widely recognized dental insurance provider. ...
  • Anthem Blue Cross. ...
  • MetLife Dental. ...
  • Guardian Life Dental. ...
  • Aetna Dental. ...
  • UCLA Dental.

Is Costco dental insurance worth it? ›

Conclusion: Costco dental insurance offers an exceptional opportunity to access affordable and comprehensive oral care. With its competitive premiums, extensive network of dentists, and comprehensive coverage, Costco dental insurance is designed to prioritize your oral health and ensure your radiant smile.

Is aflac dental worth it? ›

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

What is the most common type of dental insurance? ›

Dental Preferred Provider Organization (PPO) Plans

Dental PPOs are the most common dental policy. The NADP reports that 82 percent of dental policies are dental PPOs.

Why is dental work so expensive even with insurance? ›

You also often have to pay coinsurance, a percentage of the cost of treatment even after you have met your deductible. When you factor in deductibles, copayments and premiums, dental treatment can be expensive even if you have insurance, and it's not always clear if coverage is worth it.

What is the best dental insurance that covers implants? ›

Compare the Best Dental Insurance Companies for Implants
CompanyImplants Coverage in Year 1Deductible
Delta Dental Best Overall50%$50
MetLife Runner Up50%$50
Physicians Mutual Most Affordable25%$0
Spirit Best Waiting Period50%$100
1 more row

How can I get free dental work in California? ›

Medi-Cal Dental is the program that provides free or low-cost dental services to eligible children and adults. The Medi‑Cal Dental Program provides free or low‑cost dental services to children and adults who receive Medi‑Cal, California's Medicaid program.

How much is dental insurance a month for a single person in California? ›

Compare 2024 plan benefits
Dental Standard HMODental PPO
Monthly rates starting at:†$12.50, $15.50$39.10, $46.20
BenefitWith participating providers, members pay:1
Diagnostic and preventive services$0$02
Restorative services – fillings (resin-based composite – one surface, anterior)$20$373
10 more rows
Oct 1, 2023

How much is Delta dental insurance a month in California? ›

Dental insurance plans from Delta Dental cost between $26.59-$180.80 per month depending on your level of coverage. This is the based on average pricing for plans from eHealth. Get a personalized quote to see what may be available for you.

Is dental insurance mandatory in California? ›

Although purchasing dental insurance is optional, adults may opt for Covered CA dental insurance without enrolling other members of the family. Here are some details about the dental plans in California and how they work.

Does Medicare pay for dental implants in California? ›

Medicare won't cover the dental implants procedure itself, but it will cover related services such as hospital costs. The only way to know for sure if you qualify for dental implant Medicare coverage is to schedule a consultation with Dr. Henninger by calling (760) 940-2273 or by filling out our online contact form.

Do the plans on Covered California provide dental coverage? ›

All health plans include dental care for children at no extra cost. For adults, a dental plan can be added to your health plan purchase.

What is the average cost of dental insurance in the US? ›

According to a recent study, in 2020, the average annual expenditure on dental care insurance in the United States was $128.75 per person. Dental deductibles are usually much lower than the deductibles for major medical coverage, and they typically pay between 50% to 100% of the cost for covered dental services.

How much does the average American spend on dental insurance? ›

In 2021, the average expenditure on dental care insurance in the United States amounted to 130.43 U.S. dollars per consumer unit.

Do most Americans have dental insurance? ›

For adults ages 19-64, 61.4 percent have private dental benefits, 15.7 percent have dental benefits through Medicaid, and 22.8 percent do not have dental benefits.

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