Cigna vs. Delta Dental Insurance: Which Is Best?
Picking the right dental insurance can make a big difference in both cost and coverage for everything from routine checkups to major procedures. For many people and families, Cigna and Delta Dental are top choices.
In this review, we’ll break down Cigna and Delta Dental, looking at important factors like:
- Coverage
- Costs
- Provider networks
- Customer satisfaction
We’ll also share some reasons why we think Ameritas Dental is the best choice for dental coverage, such as its higher annual maximums and lower out-of-pocket costs.
Let’s start with some general overviews of both Cigna and Delta Dental.
Cigna vs. Delta Dental: Company Overviews
Cigna Dental
With over 93,000 dentists and 297,000 office locations in its network., Cigna has grown into a major player in the healthcare and dental insurance markets. The company provides various health-related services, including medical, dental, vision, disability, and life insurance policies.
Cigna’s dental insurance plans are available to individuals, families, and employer-sponsored groups. They include PPO and DHMO plans and dental discount programs that help reduce out-of-pocket expenses.
Pros:
- A large, nationwide network of dental providers
- Affordable premiums start at $19 per month for preventive plans
- 100% coverage for preventive care, including routine cleanings, exams, and X-rays
- Offers bundled plans that include vision and hearing coverage
- 24/7 customer support and a user-friendly mobile app
Cons:
- No coverage for dental implants
- Waiting periods: 6 months for basic care, 12 months for major services
- Complicated quote process compared to other insurers
Delta Dental
Delta Dental is one of the most recognizable and largest dental insurance providers in the United States, with over 80 million members and a network that includes thousands of dentists nationwide.
Delta Dental offers PPO, HMO, and fee-for-service plans, which allow flexibility based on budget and provider preferences. Some plans provide customizable coverage, allowing members to add benefits for orthodontics, night guards, and even dental implants.
Pros:
- Largest dental provider network in the U.S.
- Customizable plans, allowing policyholders to add coverage for implants and orthodontics
- Efficient claims process, with most claims processed in under two weeks
- Preventative care coverage often covers 100% of routine exams and cleanings
Cons:
- Long waiting periods for major and basic services, often requiring 6-12 months before coverage kicks in
- Additional $10 enrollment fee on some plans (which competitors like Cigna do not charge)
- Inconsistent customer service ratings, with complaints about claim denials and billing issues
Cigna vs. Delta Dental: Plan Offerings
Cigna gives you flexibility with options like PPO, DHMO, discount dental plans, and employer-sponsored plans. Delta Dental also has a strong lineup, including PPO, DHMO, and discount plans.
Let’s compare the two below. The key difference is that Cigna includes vision and hearing bundles, making it a better option for those seeking broader coverage.
Plan Comparison
| Plan Type | Cigna | Delta Dental |
|---|---|---|
| PPO (Preferred Provider Organization) | Yes | Yes |
| DHMO (Dental Health Maintenance Organization) | Yes | Yes |
| Discount Dental Plans | Yes | Yes |
| Employer-Sponsored Plans | Yes | Yes |
| Vision & Hearing Bundles | Yes | No |
Cigna’s Dental Plans
Cigna’s PPO plans offer the flexibility of choosing any licensed dentist, both in-network and out-of-network, though out-of-network visits may come with higher costs. These plans typically cover a percentage of costs for different procedures, allowing members to receive lower out-of-pocket expenses when staying in-network.
On the other hand, their DHMO plans require policyholders to select a primary care dentist within the network and obtain referrals for specialists. While this structure can be more restrictive, it often results in lower monthly premiums and predictable copayments.
For those seeking discounted rates on dental procedures without traditional insurance coverage, Cigna’s discount dental plans provide reduced costs for services at participating providers.
Additionally, employer-sponsored plans allow companies to offer group dental coverage, which may include lower premiums and additional benefits.
Delta Dental’s Plans
Delta Dental provides PPO plans that allow members to visit any licensed dentist but with greater savings for in-network providers.
Their DHMO plans (branded as DeltaCare® USA) require members to choose a primary care dentist and follow a structured copayment system. Unlike PPO plans, DHMO plans have no deductibles or annual maximums.
Like Cigna, Delta Dental also offers discount dental plans, which reduce fees for covered dental procedures at participating dentists.
Employer-sponsored plans are also available through Delta Dental. These plans often include wider benefits and potentially lower costs due to group purchasing power.
Cigna vs. Delta Dental: Coverage Comparison
Cigna and Delta Dental coverage details vary depending on the specific plan chosen, but both providers offer solid preventive care coverage.
Here’s a breakdown to give you a better idea of what each company offers.
| Service Type | Cigna | Delta Dental |
| Preventive Care (Exams, Cleanings, X-rays) | 100% Covered | 100% Covered |
| Basic Services (Fillings, Simple Extractions) | 70-80% Covered | Varies by Plan |
| Major Services (Crowns, Root Canals, Dentures) | 50-60% Covered | Varies by Plan |
| Orthodontics (Braces, Invisalign) | Limited Coverage | Varies by Plan |
| Dental Implants | Not Covered | Available as Add-On |
| Night Guards for Teeth Grinding | Not Covered | Available as Add-On |
| Annual Maximums | $1,000 – $3,000 | $1,000 – $2,000 |
| Deductibles | $0 – $100 | $50 – $100 |
| Waiting Periods | 6-12 Months | Varies by Plan |
| Enrollment Fee | None | $10 on Some Plans |
-
Note:
The two providers’ coverage for dental implants and night guards is a significant distinction. Cigna does not cover these services, whereas Delta Dental offers them as add-ons for an additional cost.
Cigna vs. Delta Dental: Waiting Periods
A waiting period is the amount of time a new policyholder must wait before certain dental services are covered by their insurance plan. Cigna and Delta Dental both enforce waiting periods, but their specifics vary.
Cigna provides immediate coverage for preventive care such as cleanings, exams, and X-rays. However, it enforces a 6-month waiting period for basic services, which includes fillings and simple extractions.
For major services like crowns, root canals, and dentures, Cigna imposes a 12-month waiting period. Some of Cigna’s higher-tier plans may waive or reduce these waiting periods if the policyholder has maintained prior continuous dental coverage.
Delta Dental also offers immediate coverage for preventive care but differs in terms of waiting periods for other services. The waiting period for basic services ranges from 3-6 months, depending on the specific plan. Major services’ waiting periods can vary significantly, ranging from 12-24 months.
Since Delta Dental operates through regional subsidiaries, waiting periods and coverage details can differ depending on the state and specific plan selected.
Real-Life Scenario: How Waiting Periods Can Affect You
Sarah, a 35-year-old marketing executive, switched to Delta Dental for its extensive network.
However, just one month into her new plan, she needed a root canal. Because Delta Dental enforces a 12-month waiting period for major services, she was left with a $1,500 out-of-pocket bill.
Had she chosen Ameritas, she could have received immediate coverage without waiting months for treatment.
Understanding waiting periods is crucial. Many consumers assume coverage starts immediately, but some dental procedures may not be covered for up to two years under certain plans.
Here are a few tips to avoid being caught off guard:
- Check waiting periods before enrolling: look at the plan details to see when basic and major services coverage begins.
- Consider prior coverage credits: some insurers waive waiting periods if you had continuous dental insurance before enrolling.
- Choose a provider with minimal waiting periods: Ameritas, for example, offers shorter waiting periods or none at all for many procedures.
Next, we’ll consider costs. Cigna and Delta Dental offer reasonable options, but their pricing structures and benefits differ.
Cigna vs. Delta Dental: Costs
#1. Monthly Premiums
Cigna is the more affordable option, with monthly premiums generally ranging from $20 to $50. Delta Dental comes in slightly higher, with monthly plans ranging from $25 to $60.
A higher premium might mean broader coverage, but it doesn’t always guarantee the best value for everyone.
Many of our clients appreciate Cigna’s lower-cost plans, particularly those primarily interested in preventive care and basic services. However, if someone requires orthodontic benefits or specific major services, Delta Dental’s offerings may justify the added cost.
#2. Annual Maximums
One of the most important factors when choosing a dental plan is the annual maximum—the highest amount the insurer will pay annually. Cigna’s plans generally cap out at $1,000 to $1,500, which works well for those who expect minimal dental work outside of routine care. However, clients needing more extensive treatment, such as crowns, root canals, or dentures, may find this limit restrictive.
Delta Dental offers slightly higher annual maximums, up to $2,000 on some plans, providing greater financial protection for those anticipating major dental procedures.
#3. Deductibles
Both Cigna and Delta Dental require policyholders to pay a deductible before coverage begins for non-preventive services. The deductible ranges from $50 to $100, which is pretty standard in the industry.
However, Delta Dental offers an advantage in some plans by exempting preventive care from the deductible requirement. This means members can receive routine cleanings, exams, and X-rays without first meeting the deductible.
Real-Life Scenario: Why Maximums and Deductibles Matter
Michael, a 42-year-old teacher, needed multiple dental procedures in a year, including a crown and a root canal. His Delta Dental plan had a $2,000 annual maximum, which he hit halfway through the year. As a result, he had to pay $1,800 out-of-pocket for a second procedure.
Had he opted for Ameritas, which offers up to $5,000 in annual maximums, he would have had more coverage left to pay for additional dental work.
Similarly, Maria, a retiree on a fixed income, signed up for Cigna with a $100 deductible. Since she needed immediate care, she had to pay this amount upfront before her insurance kicked in.
With Ameritas, she could have chosen a plan with a $0 deductible, making it easier for her to afford dental care from day one.
In a nutshell: Annual maximums and deductibles can make it tough to afford multiple procedures in a year. Ameritas offers higher annual maximums and lower deductibles, making it a great option for anyone needing a lot of dental work or quick care.
Below is a real-life example chart of how annual maximums and coinsurance rates significantly impact total costs.
| Procedure | Cigna | Delta Dental | Ameritas |
|---|---|---|---|
| Crown ($1,200) | $600 (50% covered, max $1,500) | $600 (50% covered, max $2,000) | $240 (80% covered, max $5,000) |
| Root Canal ($1,000) | $500 (50% covered, max $1,500) | $500 (50% covered, max $2,000) | $200 (80% covered, max $5,000) |
| Total Out-of-Pocket Cost | $1,100 | $1,100 | $440 |
While Cigna and Delta Dental may offer competitive coverage, their lower annual maximums and higher out-of-pocket costs mean patients will pay more over time for major procedures.
Cigna vs. Delta Dental: Networks
With access to over 155,000 dentists nationwide and 80 million members, Delta Dental is the largest dental insurer in the U.S. This widespread availability makes it easier for members to find an in-network provider regardless of location.
While still a strong competitor, Cigna has a network of 93,000 dentists and 297,000 office locations. This is a substantial number, but for those in rural areas or regions with fewer providers, Delta Dental may be the more accessible choice.
In-Network vs. Out-of-Network Coverage
Cigna provides better-negotiated rates with in-network providers for those seeking to minimize out-of-pocket costs. Many of our clients find that Cigna’s contracted rates with dentists often result in lower service costs than Delta Dental.
Delta Dental, however, offers flexibility, mainly through its PPO plans, which allow members to visit both in-network and out-of-network dentists. While out-of-network visits cost more, this flexibility is valuable for those who prefer to keep their current dentist, even if they’re not within the Delta Dental network.
Cigna’s PPO plans are more restrictive, leading to potentially higher out-of-pocket expenses for those who visit out-of-network providers.
If choosing an HMO plan, Delta Dental requires members to select a primary care dentist and obtain referrals for specialists. Cigna’s DHMO plans work similarly but offers slightly more flexibility in selecting specialists within the network.
For those who don’t mind provider restrictions in exchange for lower premiums and predictable copayments, either company’s HMO-style plans can be a solid option.
Cigna vs. Delta Dental: Customer Experience
The customer experience with Cigna and Delta Dental varies depending on how claims are handled, the quality of service, and the consistency of their plans. Let’s review these important factors.
Claims Processing and Approval
One of the most common concerns clients bring up is the concern of getting claims approved and reimbursed. Cigna is often praised for its efficient claims process, with many members experiencing quick turnaround times for approvals and reimbursements.
Delta Dental’s claims process, however, is less predictable. Because Delta Dental operates through independent regional companies, the efficiency of claims approval varies by state. Some clients report seamless reimbursements, while others encounter delays and denials requiring multiple follow-ups.
Both insurers offer online claims management, allowing policyholders to track their claims through mobile apps and web portals.
Customer Service
Cigna generally ranks higher in customer service, with many policyholders reporting knowledgeable representatives and responsive assistance. However, during peak hours, wait times can be longer, which can be frustrating for those needing urgent support.
Delta Dental members, on the other hand, often express frustration with reaching customer support, particularly due to discrepancies in regional plans and difficulty getting representatives on the phone.
Some Delta Dental policyholders mention needing multiple calls to resolve issues, especially regarding claim disputes and billing concerns.
Plan Consistency
One issue that frequently arises with Delta Dental is the lack of uniformity across states. Because Delta Dental consists of 39 regional companies, coverage levels, plan options, and customer service quality can differ depending on location. This can confuse policyholders who relocate or compare plans across state lines.
Cigna, on the other hand, offers more consistency in its plan structures nationwide. Members do not have to worry as much about coverage changes based on location, making understanding and managing their benefits easier.
Online Tools
Cigna’s mobile app and online platform are highly rated for their intuitive design, digital ID cards, provider search features, and real-time cost estimations. Many clients appreciate how easy it is to check coverage details and claims status.
Delta Dental also offers an online portal and mobile app, but some users report that its interface is less user-friendly. Navigating different regional websites can also create inconsistencies in access and information clarity, adding to the confusion.
From my experience, Cigna’s platform tends to be slightly more user-friendly, whereas Delta Dental’s interface can be more complex, particularly for new users.
Finding a Dentist
One of my client’s biggest concerns is how easy it is for them to find an in-network provider and manage their plan. Cigna’s online provider search tool makes locating in-network dentists and comparing procedure cost estimates simple.
Delta Dental’s “Find a Dentist” tool allows members to filter providers by location, specialty, office hours, and available services. In some cases, clients have told me they prefer Delta Dental’s tool because it offers more detailed information on provider availability.
-
Bottom Line:
Regarding dental insurance, both Cigna and Delta Dental offer reasonable coverage, but neither excels in key areas that truly matter—higher annual maximums, lower out-of-pocket costs, and greater flexibility.
This is where Ameritas Dental shines, making it the best alternative for comprehensive, cost-effective, and user-friendly dental insurance.
The Best Alternative: Ameritas Dental
Why is Ameritas the best choice? Let’s walk through some key reasons.
#1. Higher Annual Maximums
One of the biggest limitations of Cigna and Delta Dental is their low annual maximums. Cigna’s yearly cap tops out at $1,500, and Delta Dental offers up to $2,000, but Ameritas provides annual maximums up to $5,000 on select plans.
For those anticipating needing major dental work such as root canals, crowns, or dental implants, this can mean significantly fewer out-of-pocket expenses throughout the year.
#2. Lower Out-of-Pocket Costs
Cigna and Delta Dental both require coinsurance for major services, often covering only 50-60% of costs. This means policyholders are left covering a large portion of their dental bills, especially for major procedures.
Ameritas offers more competitive deductibles and coinsurance rates, covering up to 90% of major procedures on some plans.
In addition, Ameritas offers 100% covered preventive services, whereas Delta Dental and Cigna require meeting a deductible before benefits kick in for some preventive care.
#3. Minimal Waiting Periods
A major complaint from clients regarding Cigna and Delta Dental is their waiting periods. Cigna enforces a 6-month waiting period for basic services and 12 months for major services, while Delta Dental can require up to 24 months for certain procedures.
Ameritas Dental significantly reduces or eliminates waiting periods, enabling new policyholders to receive the care they need without long delays. This is particularly valuable for those who require urgent dental work and can’t afford to wait a whole year before receiving coverage for essential treatments.
#4. Greater Plan Flexibility
Both Cigna and Delta Dental offer fairly rigid plan structures with limited customization options. For example, Cigna does not cover night guards or dental implants, while Delta Dental’s coverage varies heavily by state.
On the other hand, Ameritas allows members to customize their plans with add-ons such as:
- Orthodontic coverage for both adults and children
- Coverage for dental implants
- Teeth whitening and cosmetic procedures
- Night guards for teeth-grinding
This flexibility allows policyholders to tailor their insurance to meet their unique dental needs rather than settling for a one-size-fits-all plan with exclusions.
#5. Better Customer Service
Cigna often gets complaints about long customer service wait times and unclear billing, and Delta Dental’s structure causes inconsistent service, with policyholders struggling to resolve claims and facing slow reimbursements.
Ameritas consistently ranks higher in customer satisfaction due to its responsive support team and straightforward claims process.
Unlike Delta Dental, Ameritas does not rely on regional subsidiaries, meaning members receive consistent service regardless of where they live.
Which Do You Choose?
Based on our comprehensive analysis, let’s break down who should choose Cigna, Delta Dental, or Ameritas based on individual needs and priorities.
You Might Choose Cigna If…
- You already have Cigna health insurance and want to bundle dental benefits
- You are looking for the lowest monthly premium
- You want a standardized plan structure
Remember: Cigna does have limitations, including lower annual maximums and limited coverage for major dental services, making it less ideal for those expecting extensive dental work.
You Might Choose Delta Dental If…
- An extensive provider network is a priority
- You need orthodontic benefits – like braces or Invisalign
Remember: Delta Dental’s biggest drawback is its state-specific policy variations, which can make it challenging to navigate coverage options, particularly for those who relocate often.
Delta Dental’s waiting periods are also stricter, with some plans requiring 12-24 months before covering major procedures, which could be a deal-breaker for those needing immediate care.
You Might Choose Ameritas If…
- You’re looking for the most comprehensive coverage
- You want the highest annual maximums (up to $5K) and minimal waiting periods
- You want a smooth claims process and the best customer support
In my opinion: Ameritas Dental is the best overall choice, and I 100% recommend their dental policies above the rest.
Final Verdict
If you’re looking for great value in dental insurance, we highly recommend checking out Ameritas Dental. They offer higher coverage limits, shorter waiting periods, and more flexible plans, making them a top pick.
Cigna is a solid, budget-friendly option, and Delta Dental has great network accessibility, but Ameritas is the best option regarding coverage, financial protection, and plan flexibility.
If you want strong coverage at a reasonable price, consider Ameritas Dental plans—they could be the smarter, more secure choice for your dental insurance needs.
Sources: Cigna Dental | Ameritas Dental | Delta Dental
FAQs
- What types of dental plans do Cigna and Delta Dental offer?
- How do the networks of dentists compare between Cigna and Delta Dental?
- Are there waiting periods for certain procedures with Cigna and Delta Dental plans?
- How do out-of-pocket costs compare between Cigna and Delta Dental?
- Do Cigna and Delta Dental plans cover orthodontic treatments like braces or Invisalign?
