Guaranteed Issue — No Health Questions

Cigna DHMO Dental

Cigna Dental Network

The Cigna DHMO Dental plan offers comprehensive dental coverage with no deductible and fixed copays for everything from routine cleanings to implants, braces, and root canals. There are no waiting periods and no annual dollar maximums, making it a strong choice for individuals and families who want predictable costs and broad coverage. It works best for people who are comfortable choosing a network dentist and staying within the Cigna Dental network.

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Monthly premiums

member_only: $59.99/mo
spouse: $119.99/mo
child: $119.99/mo
family: $119.99/mo

The Cigna DHMO Dental plan is designed to make dental care straightforward and affordable. The plan has no deductible, meaning coverage kicks in right away with no out-of-pocket threshold to meet first. Instead of percentages, you pay fixed copays for covered services, so you know exactly what you owe before you sit in the chair. Preventive care like cleanings, x-rays, fluoride treatments, and oral evaluations are covered at no cost to you, encouraging you to stay on top of your dental health without worrying about the bill. Coverage goes well beyond the basics. Basic services like fillings (both tooth-colored and silver), and major services including crowns, bridges, dentures, root canals, gum disease treatment, and oral surgery are all covered with set copays. The plan also covers dental implants, orthodontics for both children and adults, teeth whitening with take-home trays, and athletic mouthguards — categories that many dental plans leave out entirely. There are no annual dollar maximums, so your coverage does not run out no matter how much dental work you need in a given year. To use this plan, you must choose a network general dentist from the Cigna Dental network who will coordinate your care. For most specialty services, your general dentist will provide a referral, though orthodontics, pediatric dentistry for children under age 7, and endodontic (root canal) care do not require a referral. If you see a dentist outside the network, the plan will not cover the costs except in a dental emergency. The plan is guaranteed issue with no health questions asked and no waiting period, so you are covered from day one — including for pre-existing dental conditions that are listed on the covered services schedule. This plan is a good fit for people who want comprehensive dental coverage at predictable costs and are comfortable working within a defined provider network. It is especially valuable for families, since each covered family member can choose their own network dentist. Just keep in mind that coverage is limited to dentists in the Cigna Dental network, so confirming your preferred dentist participates — or being open to finding a new one — is an important first step before enrolling.

Benefits

Deductible
No deductibles.
Guarantee Issue
Yes
Waiting Period
None
no waiting periods for dental. No waiting periods noted for vision. Pre-existing conditions not excluded for dental (except work already in progress).
Referral Required
Yes
Dental Preventive
$0 Co-Pay
Dental Basic
Covered Co-Pay
Dental Major
Covered Co-Pay
Dental Implants
Covered Co-Pay
Orthodontics
Covered Co-Pay

Cigna DHMO Dental

Monthly premiums

Benefits

Plan documents

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