No, both are dental savings plans – an established, affordable alternative to traditional insurance. Dental savings plans provide the flexibility and features preferred by people who find that standard dental insurance doesn’t fully meet their oral health needs.
Dental savings plans work like the American Automobile Association (AAA) does: you pay a low annual fee to access a network of professionals who offer reduced rates to members. Membership in a dental savings plan likewise allows you to access a network – in this case, of dentists – who offer reduced fees for a variety of dental procedures to plan members.
Typically, you can use your dental savings plan within 72 hours of plan purchase.
Unlike traditional dental insurance there is no waiting period imposed for any of the treatments included in your plan, even the more complex procedures (such as root canals and crowns).
Yes, both plans offer members significant savings on orthodontia
Yes, both plans offer members significant savings on restorative care.
CIGNAPlus Savings has a larger network of participating dentists, and also offers discounts on additional health and wellness benefits.
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You can use either plan to reduce your out-of-pocket dental care costs once you’ve reached the annual maximum on your dental insurance plan. You cannot use your dental insurance and your dental savings plan for the same procedure, in accordance with insurance policy rules. Your dentist can, however, help you to coordinate treatment using both your savings and insurance plans.
No. You save directly at the dentist. There are no claims to file and no waiting for reimbursement.
No. You must see a participating dentist to receive the discounts associated with your Preferred Network Access by CIGNA or the CIGNAPlus Savings plan.
Yes. If you find a lower price online for the dental savings plan you’ve chosen, we’ll match that price. There is no need to choose between saving a few dollars and receiving the best customer care from CignaDentalPlans.com, a company that you can trust. Certain exclusions apply.