Group Dental Insurance Plans for Employers
Our dental solutions address oral health with a focus on whole-person health.
Dental Expertise and Programs to Help Lower Costs
Cigna Healthcare℠* dental benefits become a powerful extension of your overall benefits portfolio, helping to lower medical costs while improving health outcomes and increasing employee engagement. Our dental expertise and programs have helped us become a leader in the industry. With a focus on cultivating an empowered employee experience that helps improve health, our program is personalized and brings together our deep dental expertise with our medical learnings and clinical data. Our expertise is fueled forward through our Cigna Dental Innovation Studio.
With programs such as Cigna Onsite Dental® and Cigna Healthcare Dental Virtual Care1, we make it simple, easy, and affordable for your employees to get the right dental care at the right time. This powerful combination places an emphasis on increasing value to your benefits package, while offering choice to assure we meet the needs of your ever-evolving employee populations.
Types of Group Dental Plans
Cigna Healthcare offers a flexible range of employer dental insurance plans designed to meet the needs of your organization and your employees. Plan benefits will vary based on plan type and what you discuss with your local Cigna Healthcare representative.
Going Beyond Preventive Care with Cigna Dental Health Connect®
Cigna Dental Health Connect is designed to help individuals overcome barriers to taking care of their oral health. This dental care model offers support by identifying personalized dental solutions that are practical, meaningful, and timely.
Additional Benefits of Cigna Healthcare Dental Plans
24/7/365 Live Customer Service
24/7/365 Customer service for questions on claims, coverages, and more. Employees also receive access to Cigna Healthcare Dental Virtual Care (teledentistry) to connect with a licensed dentist via phone, tablet, or computer1 at any time.
Digital Capabilities
Employees can access their benefits anytime, anywhere through myCigna and the myCigna mobile app. Customers that use myCigna save an average of 36.2% more on claims than those who do not.10 With the Brighter Score® feature, your employees can easily compare dentists based on professional history, affordability, and patient experience.11
Emergency Dental Coverage
We offer worldwide in-network coverage for emergencies. In an emergency, your employees won’t be penalized for seeing an out-of-network provider.
Employee Engagement
Optional health and wellness discount programs encourage and reward employees for healthy behaviors. Our client service team provides information to employees to help them maximize the value they get from their annual benefits. Our direct-to-customer email program lets us communicate, engage, and inform your employees throughout the plan year.
Maximizing the Value of Dental Insurance Benefits
We’re your trusted partner in increasing value for your organization and fostering a productive and satisfied workforce. Our products, networks, and personalized customer tools help your employees find the right dentist for their individual needs. This can help drive better preventive care utilization, a better customer experience, and more savings for both you and your employees.
How we do it
Identify
Our insights help improve quality of care. When gum disease is treated in patients with certain chronic medical conditions, like diabetes, medical costs are reduced by 12.2%.12
Prevent
Our clinical programs help improve future outcomes. Our innovative Cigna Onsite Dental solution brings preventive care dental services right to the workplace. Preventive care can lower future dental costs by 31%.12
Coach
We educate and empower employees in decision-making, from selecting the right dental plan for their needs to providing digital tools that help them choose a dentist.
Connect
We guide employees to in-network dentists for cost-savings near home or work. Cigna Healthcare DPPO customers are projected to use network dentists 75% of the time13 and our Cigna Dental Care (DHMO) Access Plus network is the largest of its kind.14
Facts About Oral Health
- Cavities and gum disease are among the most common chronic diseases in the U.S.15
- Cavities are the single most common chronic disease in children: roughly five times more common than asthma.15
- Gum disease can exacerbate diabetes, heart disease, and even lead to pre-term birth for pregnant women.15
- Gum disease can cause tooth loss which impacts nutrition, speech, appearance, self-esteem, and overall health.15
* Offered by Cigna Health and Life Insurance Company or its affiliates
In Utah, plans are offered by Cigna Health and Life Insurance Company.
View Cigna Healthcare Company Names
1 Cigna Healthcare provides access to virtual care through national teledental care providers via myCigna.com as part of your plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers and is a requirement for this service. See your plan materials for the details of your specific Dental plan. This service is separate from coverage for virtual dental care obtained by your Dental plan's network and may not be available in all areas. A referral is not required for this service.
2 Cigna Healthcare Internal Data and Reporting – projected network counts and utilization across the Total DPPO and Advantage DPPO networks for YE 2023. Subject to change.
3 Not all preventive care services are covered. For example, athletic mouth guards and prescription medications are generally not covered. In general, the following limitations apply: two (2) cleanings per calendar year, one (1) bitewing x-ray per calendar year, one (1) full mouth x-ray every five (5) calendar years, and one (1) panorex x-ray every five (5) calendar years. Plans may vary.
4 Network360 data as of September 2022, reflecting Cigna Dental Care (DHMO) - Access Plus Network counts of unique DHMO dentists. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using. Subject to change.
5 Projected for YE 2023, percentage of contracted providers in the Cigna DPPO network who are also contracted in the Cigna Dental Care Access Plus Network. Subject to change.
6 Per Employee Per Month costs are based on national Cigna Healthcare Book of Business average costs as of year-end 2021. Actual costs will vary.
7 In most states, individuals must receive services through their network general dentist for coverage to apply, except in emergencies. Prior authorization may be required for certain specialty care treatments. Only those procedures that are medically necessary and listed on the plan’s Patient Charge Schedule (PCS) are covered. Replacement of crowns and inlays, and prosthesis over implants (if unserviceable and cannot be repaired) is limited to one every five years. Services related to the surgical placement of a dental implant are limited to one per year with replacement of a surgical implant frequency limitation of one every 10 years. The frequency limitations of certain other covered services are set forth in the PCS. The following are excluded from coverage unless otherwise listed on the PCS or required by law: (a) Experimental and cosmetic dentistry; (b) Treatments or surgery if associated with a poor or hopeless diagnosis; (c) Recementation of crowns, inlays and onlays, post and cores, and veneers within 180 days of initial placement; (d) Crowns, bridges and implant supported prosthesis used solely for splinting; and (e) Work already in progress for crowns, bridges, dentures, root canal treatment, or implant supported prosthesis. A complete list of your plan’s terms, including exclusions and limitations, is set forth in the applicable plan documents.
8 Savings based on lower DHMO premium and achieving targeted enrollment and/or migration counts into DHMO plan option vs. DPPO plan option. Individual results may vary.
9 CignaPlus Savings is a dental discount program and is NOT insurance. This program is administered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company with network management services provided by Cigna Dental Health, Inc. and certain of its subsidiaries and provides members access to discounted fees, pursuant to schedules negotiated by Cigna Dental with participating providers, which members are responsible for paying in full, directly to participating providers.
10 Internal reporting as of November 2021 for DPPO customers who use myCigna and customers who do not use myCigna. Subject to change.
11 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.
12 "Preventive Dental Treatment Associated with Lower Medical Utilization and Costs.” Cigna Healthcare national study, December 2020. Individual results may vary.
13 Projected 2022 year-end network counts and for national Cigna Dental book of business. Subject to change.
14 Network360 data as of September 2021, reflecting Cigna Dental Care (DHMO) – Access Plus Network counts of unique DHMO dentists. The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using. Subject to change.
15 Oral Health Conditions, Centers for Disease Control and Prevention, April 6, 2022, https://www.cdc.gov/oralhealth/conditions/index.html
Product availability may vary by location and plan type and is subject to change. All group dental insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.
The term "DHMO" refers to group dental products that may differ by the state an enrollee lives in. This can include prepaid plans, managed care plans, and plans with open access features. The Cigna Dental Care (DHMO) plan is not available in all states. In Texas, the insured dental plan is known as Cigna Dental Choice, and this plan uses the national Cigna DPPO network.
Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT.) (CHLIC), Cigna HealthCare of Connecticut, Inc., and Cigna Dental Health, Inc. and its subsidiaries, including Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California, Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware, Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL), Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc., Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina, Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania, Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia, Inc. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). CHLIC policy forms: OK – Indemnity/DPPO: HP-POL99/HP-POL-388, DHMO: POL115; OR - Indemnity/DPPO/DEPO: HP-POL68/HP-POL352, DHMO: HP-POL121 04-10; TN – Indemnity/DPPO/DEPO: HP-POL69/HC-CER2V1/HP-POL389, et al., DHMO: HP-POL134/HC-CER17V1 et al.
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