Cigna Dental Insurance 1500 PPO

Cigna Dental 1500 is built for people who need a little extra dental care. Preventive and diagnostic services are covered at 100% when you see an in-network dentist, and the annual deductible is waived for those visits — so cleanings, exams and routine X-rays cost you nothing out of pocket. The plan covers eligible restorative services up to $1,500 per calendar year and orthodontic treatment up to $1,000 per lifetime. You can choose from dentist locations in the Cigna Dental PPO Advantage Network, and if you have had dental coverage before, your waiting periods for select procedures may be waived.

Here are some dental insurance plan benefits.

100% coverage for preventive and diagnostic services with an in-network dentist, with no waiting period

Basic services covered at 80% with an in-network dentist, after deductible

Major services covered at 50% with an in-network dentist, after deductible

$1,500 per person per calendar year across Class I, II and III services

$50 per person, $150 per family, per calendar year — waived for preventive and diagnostic care

Orthodontia covered at 50% up to $1,000 per lifetime, after a separate lifetime deductible

6 months for basic services, 12 months for major services — may be waived with prior dental coverage

See dentists both in and out of network, with the biggest savings in network

Exclusive discounts on health and wellness programs and services

Now let’s see what this dental insurance plan includes.

Plan Highlights

Cigna Dental Insurance 1500 PPO
Here is a sample of covered services	In-Network	Out-of -Network
Class I — Preventive & diagnostic services \| Waiting period: None
Preventive/Diagnostic services, such as oral exams, cleanings and X-rays¹	100%¹	100% of contracted fee²
Class II — Basic restorative services \| Waiting period: 6 months ³
Basic restorative services, such as fillings and simple extractions	80% (after deductible); 6-month waiting period applies³	80% of the contracted fee² (after deductible); 6-month waiting period applies³
Class III — Major restorative services \| Waiting period: 12 months ³
Major restorative services, such as crowns, dentures and bridges	50% (after deductible); 12-month waiting period applies³	50% of the contracted fee² (after deductible); 12-month waiting period applies³
Class IV — Orthodontia \| Waiting period: 12 months³
Orthodontic treatment (up to $1,000 per lifetime) Includes Adult Orthodonture	50% (after separate lifetime deductible); 12-month waiting period applies³	50% of the contracted fee² (after separate lifetime deductible); 12-month waiting period applies³
Plan limits
Deductible (calendar year)	$50 Individual	$150 Family
Annual maximum benefit (Class I, II and III combined)	$1,500 per person	$1,500 per person
Orthodontic lifetime maximum	$1,000 per person	$1,000 per person

Not all preventive services are covered, and frequency limitations apply. Review your plan documents for details.
You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna Healthcare reimburses for billed services. Refer to the policy for more details.
Waiting periods may vary by state. Refer to the policy for details.See plan details for additional covered services and coinsurance percentages. You save the most money when you see an in-network dentist.

Annual Maximum

This is the total amount per person your plan will pay toward the cost of dental care each calendar year.

$1,500 per person enrolled on the plan, across Class I, Class II and Class III services
Orthodontia has a separate maximum of $1,000 per lifetime and does not count against the annual maximum

Deductible For Covered Services

The amount you pay each calendar year before your plan begins to pay for eligible dental services.

$50 per individual, per calendar year
$150 per family, per calendar year
The deductible is waived for eligible preventive and diagnostic services
Orthodontia is subject to a separate lifetime deductible

Waiting Periods

The period of time before the plan starts paying for certain services.

No waiting period for Class I preventive and diagnostic services
6 months for Class II basic restorative services, such as fillings and simple extractions
12 months for Class III major restorative services, such as crowns, bridges and dentures
12 months for Class IV orthodontia
Class II and Class III waiting periods may be waived at the individual member level if your application shows 12 months or more of prior dental coverage and no more than 63 days have lapsed between that coverage and this plan. Medical plans that include dental can count toward the waiver if requirements are met.
Orthodontia and implant waiting periods cannot be waived
Waiting periods may vary by state — refer to your policy for details

Choose Any Dentist

You can receive services from either a participating or a nonparticipating dentist. Participating dentists in the Cigna Dental PPO Advantage Network have agreed to provide covered services at a negotiated rate, so you pay less. You also have the flexibility to visit a licensed dentist outside the network, but you will not receive the benefit of negotiated rates and may pay more if that dentist’s charges exceed the amount Cigna Healthcare reimburses.

Finding a Dentist

Use the Brighter Score feature on myCigna.com or the myCigna App to compare dentists and find one that fits your needs. Some states use the Cigna Total Network for this plan — refer to your plan documents for network access and availability in your state.

Healthy Rewards

The Cigna Dental 1500 plan gives you the benefits and convenience you’re looking for. You’ll also get access to Healthy Rewards®, which offers exclusive discounts on health and wellness programs and services.

Healthy Rewards programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs are not available in all states, and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.

1. Not all preventive services are covered. Frequency limitations apply. For more information, review plan documents.
2. You may pay more for out-of-network charges if the dentist’s charges exceed the amount Cigna Healthcare reimburses for billed services. Refer to the policy for more details.
3. Waiting periods may vary by state; refer to the policy for more details. Waiting periods for Class II and III will be waived at the individual member level if the application indicates that there were 12 months or more of prior
dental coverage and not more than 63 days have lapsed between the prior coverage and this plan. Medical plans that include dental can count toward waiver if requirements are met. Orthodontia and Implant Waiting
Periods are not eligible for waiver.
4. Healthy Rewards programs are NOT insurance. Rather, these programs give a discount on the cost of certain goods and services. The customer must pay the entire discounted cost. Some Healthy Rewards programs
are not available in all states, and programs may be discontinued at any time. Participating providers are solely responsible for their goods and services.
5. 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.
6. Customers under age 13 (and/or their parent/guardian) will not be able to register at myCigna.com.
7. 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.
8. Sample daily rate is based on a single person and represents the Cigna Healthcare national average rate for all plans (all ages and geographic locations) and reflects rates valid as of October 2025. Subject to change.

Dental preferred provider insurance policies (AL, CO, CT, DE, HI, IA, IL, MI, ND, PA, WV and WY: HC-NOT11 et al., AK: HC-NOT53, et al., AR: HC-NOT36 et al., AZ: INDDENTPOLAZ032017, CA: INDDENTPOLCA0713 et al., DC:
HC-NOT42, et al., FL: HC-NOT15 et al., GA: INDDENPOLGA0317, ID: HC-NOT51 et al., IN: HC-NOT23, et al., KS: HC-NOT49 et al., KY: HC-NOT44, et al., LA: INDDENTPOLLA0713, HC-NOT32 et al., ME: HC-NOT58, et al., MI:
INDENTPOLAMI042021.Prev, MO: INDDENTPOLMO0713, MN: INDDENTPOLMN0713, MS: HC-NOT48 et al., MT: INDDENTPOLMT0713, NC: HC-NOT18, et al., NE HC-NOT47 et al., NH: INDDENTPOLNH.PREV, NJ: HC-NOT46, et al.,
NM: INDDENPOLNM0317, NV: HC-NOT39 et al., OH: INDDENTPOLOH0317, OK: HC-NOT26 et al., OR: INDDENTPOLOR0713, RI HC-NOT35 et al., SC: HC-NOT19 et al., SD HC-NOT59 et al., TN: HC-NOT20 et al., TX: HC-NOT21 et al.,
UT: HC-NOT50 et al., VA: INDDENTPOLVA0317, VT HC-NOT56 et al., WA: INDDENTPOLWA0317, WI HC-NOT54 et al.) have exclusions, limitations, reduction of benefits and terms under which a policy may be continued in force
or discontinued.

Product availability may vary by location and plan type and is subject to change. All dental insurance policies and dental benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan
documents or contact a Cigna Healthcare representative.

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 insured
dental product offered by CGLIC and CHLIC is referred to as the Cigna Dental Choice Plan, and this plan utilizes the national Cigna Dental PPO network. In Texas, the dental plan is known as Cigna Dental Choice, and this plan
uses the national Cigna DPPO Advantage network. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Please contact your insurance carrier, agent/producer or the
Health Insurance Marketplace if you wish to purchase PPACA-compliant pediatric dental coverage.
In Utah, plans are offered by Cigna Health and Life Insurance Company (Bloomfield, CT).
Plans are not available in MA and MT.

Want this information in an email or text message?

Enter your email and we’ll send the plan recommendations straight to your inbox. To receive messages via text, please enter your mobile number below as well.

Cigna Dental Insurance 1500 FAQs

How does dental insurance work?

Dental insurance plans usually involve paying a monthly premium in exchange for coverage. These plans often come with a deductible, which is the amount you pay out of pocket before your insurance starts to cover costs. After meeting the deductible, you may still be responsible for a co-pay or a percentage of the service cost, called coinsurance, depending on the plan’s structure.

What does Cigna Dental 1500 cover?

The plan covers preventive and diagnostic care at 100% in-network with no waiting period, basic restorative services at 80% after the deductible, and major restorative services at 50% after the deductible. Eligible Class I, II and III services are covered up to $1,500 per person per calendar year, and orthodontic treatment is covered at 50% up to $1,000 per lifetime.

Does Cigna Dental 1500 cover braces?

Yes. Orthodontic treatment is covered at 50% up to a $1,000 lifetime maximum, after a separate lifetime deductible and a 12-month waiting period. The orthodontic waiting period cannot be waived, even with prior dental coverage.

Can my waiting periods be waived?

They may be. Waiting periods for Class II and Class III services can be waived at the individual member level if your application shows 12 months or more of prior dental coverage with no more than a 63-day gap between that coverage and this plan. Medical plans that include dental may also count. Orthodontia and implant waiting periods cannot be waived.

Can I see any dentist with Cigna Dental 1500?

Yes. This is a PPO plan, so you can visit any licensed dentist. You will save the most when you see a dentist in the Cigna Dental PPO Advantage Network, because network dentists have agreed to negotiated rates for covered services. If you go out of network, you may pay more when a dentist’s charges exceed the amount Cigna Healthcare reimburses.

How do I enroll in Cigna Dental 1500?

Call to speak with a licensed representative who can confirm availability in your state, quote your rate, and complete your enrollment. This plan is not available in Massachusetts or Montana.