How Much Do Dental Implants Cost with Cigna Insurance? A Quick Guide

Dental implants are a popular choice for patients looking to replace a missing tooth or improve their smile. These artificial teeth are designed to look and function like natural teeth, anchored securely into the jawbone. With a variety of dental insurance providers available, it’s essential to understand how much dental implants cost when covered by a specific plan, such as Cigna.

When considering Cigna insurance for dental implants, there are several factors that may affect the cost of your treatment. The condition of your gums, teeth, oral health, and jawbone density can all lead to price variations. It’s also important to note that not all Cigna dental plans cover dental implants. However, some plans, like the Cigna Advantage DPPO network, do offer coverage for dental implants. Be sure to review your selected plan carefully for details on coverage and costs.

To give you an idea of cost, dental implants without insurance can range anywhere from $1,500 to $6,000 for a single implant. With Cigna insurance, you may be eligible for up to $2,500 in dental benefits, which can help lower the overall cost, depending on your plan’s coverage. Keep in mind that factors, such as your location and specific dental needs, will also influence the final price of your dental implant procedure.

What Are Dental Implants

Dental implants are artificial teeth that replace missing permanent teeth due to injury or tooth decay. They involve placing an anchor and post in the jawbone, and the new tooth attaches to this post. Dental implants are designed to look natural and function just like real teeth.

The cost of a dental implant can vary significantly, with prices ranging from $1,500 to $6,000 for a single implant. Factors contributing to this variation include:

  • The condition of your gums and teeth
  • Your overall oral health
  • The density of your jawbone

Cigna, a popular dental insurance provider, offers various insurance plans that can help cover the cost of dental implants. For example, the Cigna Dental 5000/250 plan includes dental implant coverage. However, it is important to note that the Cigna Dental 1500 plan does not offer coverage for dental implants.

With Cigna insurance, the reimbursement amount can vary depending on your plan. Some plans may provide around $1,500 per implant, per year. Always confirm the specifics of your plan’s coverage to understand the exact amount reimbursed for dental implants.

In summary, dental implants are a reliable and natural-looking solution for replacing missing teeth. Their cost varies based on several factors, and insurance coverage, such as through Cigna, can help alleviate some of the financial burden.

Cigna Insurance Dental Coverage

Cigna Insurance Dental Coverage

Cigna offers a variety of dental insurance plans to meet the needs of individuals and families. These plans can help cover the costs of dental procedures, including dental implants.

Coverage Types

Some of the dental coverage options available with Cigna include the following:

  • Dental Plus Vision and Hearing: This plan offers dental, vision, and hearing coverage, with average monthly premiums as low as $32. Dental implant coverage is available on select plans (source).
  • Cigna Dental 1500: This plan offers a $1,500 annual maximum coverage with a low deductible. However, it does not include coverage for dental implants and has waiting periods for basic and major care (source).

Keep in mind that the tooth replacement cost with insurance can range from 50% to 80% of the cost without insurance. In some cases, your insurance may only cover 10% of the cost. Additionally, there might be an annual limit that’s below the cost of your implants (source).

In-Network vs. Out-of-Network Providers

When choosing a dental provider, consider whether they are in-network or out-of-network with Cigna. In-network providers are part of Cigna’s Advantage DPPO network, which means they have agreed to provide services at a negotiated rate, potentially saving you money on your dental care.

Here’s a comparison between in-network and out-of-network providers:

  • In-Network: You’ll typically pay less for your dental care when you see an in-network provider. In addition, Cigna may cover a higher percentage of the cost for in-network care (source).
  • Out-of-Network: While you can see any dentist you’d like, going to an out-of-network provider may result in higher out-of-pocket costs. You may be responsible for the difference between the dentist’s fees and Cigna’s allowable charges.

To make the most of your Cigna dental insurance, always review your plan details and consider choosing an in-network provider to maximize your savings.

Factors Affecting Dental Implant Costs

Factors Affecting Dental Implant Costs

When considering dental implants with Cigna insurance, it’s important to understand the various factors that can influence the cost. In this section, we’ll discuss three main aspects contributing to the overall expense: implant type, location, and dentist fees, as well as any additional procedures that may be required.

Implant Type

Different types of dental implants can have varying costs. Some common implant types include:

  • Traditional implants: These are typically made of titanium and are placed into the jawbone to support a crown, bridge, or denture.
  • Mini implants: These smaller implants are less invasive and may be more affordable, although they might not be suitable for all patients.
  • Zirconia implants: Made from a ceramic material, these implants may offer a more natural-looking appearance but can be more expensive than traditional titanium versions.

It’s essential to discuss the best implant type for your needs with your dentist, as this choice can greatly impact the overall cost.

Location and Dentist Fees

The cost of dental implants can also vary depending on the location and the fees charged by specific dentists. Dental care prices tend to be higher in urban areas and major cities, as the cost of living and running a practice is higher in these areas. Dentist fees can also differ based on their experience, reputation, and any specialized training they may have.

Additional Procedures

Sometimes, dental implant procedures require additional treatments, which can add to the overall cost. Some of these treatments may include:

  • Bone grafting: If there is insufficient jawbone to support the implant, a bone graft may be necessary, adding extra expenses to the procedure.
  • Sinus lift: If placing an implant in the upper jaw, a sinus lift may be required to create enough space for the implant.
  • Extractions: Removing any damaged or infected teeth before placing the implant can also add to the total cost.

It’s important to discuss all potential additional procedures with your dentist, as they can have a significant impact on the final price of your dental implants. By understanding these factors, you’ll be better prepared to discuss your options with your dentist and make an informed decision when selecting dental implant insurance like [Cigna](

Financial Assistance and Payment Options

Cigna dental insurance offers several options to help customers manage the costs of dental implants. One popular plan is Cigna Dental 1000. With an average monthly premium of $33, it includes free preventative care and coverage for up to $1,000 of restorative procedures each calendar year. However, this plan does not cover orthodontic care.

Another option for those needing dental implants is applying for a dental implant loan. Dental implant loans are personal loans specifically used for the implant procedure. These loans can go up to $50,000, which should be enough to cover the procedure’s cost.

Moreover, there are programs like the Cosmetic Dentistry Grants Program (CDG) that can assist with dental implant costs. The CDG is a not-for-profit program where dentists pay fees for referred patients, helping offset the expense of dental implants.

It’s essential to consider the overall costs associated with dental implants. One dental implant with a porcelain crown typically costs around $4,800, but prices can range from $3,500 to $6,700 depending on various factors. For more extensive procedures, such as a full mouth of implants, costs can average around $43,000, going as high as $56,000.

In summary, dealing with dental implant expenses can be challenging, but with Cigna insurance and other financial assistance options, a more affordable solution might be closer than you think. Always consult your dentist for personalized advice and explore available resources to make the right decision for your specific needs.

How to Get a Cost Estimate

Before diving into dental implants, it’s essential to get a clear understanding of the potential costs involved, especially when dealing with insurance like Cigna. Here are a few steps you can take to get an accurate cost estimate for dental implants with Cigna insurance.

First, you’ll want to review your specific Cigna dental insurance policy to understand what coverage is provided for dental implants. Keep in mind that depending on your plan, your insurance may reimburse around $1,500 per implant per year.

Next, reach out to your dentist to request a detailed treatment plan. This plan should include an itemized list of the procedures, materials, and cost for each aspect of the dental implant process. Remember that a single implant usually ranges from $1,500 to $6,000, depending on various factors, such as oral health and jawbone density.

To ensure that you get a full understanding of the costs, it’s also helpful to ask your dentist about any additional expenses, such as:

  • Consultation fees
  • Dental X-rays
  • Tooth extractions, if necessary
  • Any follow-up appointments or treatments

Once you’ve received your treatment plan, contact Cigna’s customer support to inquire about how your insurance coverage will apply. Be ready to provide details about your treatment plan and the information about the dental provider performing your implant procedure.

Lastly, don’t shy away from shopping around for different price quotes from various dental providers. It’s important to make an informed decision by comparing prices and considering factors such as dentist’s experience, specialization, and customer reviews. By following these steps, you can become more informed about the costs involved and find the right dental implant solution that aligns with your needs and budget.


Dental implant costs can vary greatly, but it’s important to understand how insurance coverage can help with this expense. With Cigna Dental 1500, you’ll receive up to $1,500 annual maximum coverage, though the plan does not cover dental implants specifically. Be prepared for some out-of-pocket costs, as insurance may only cover 10% to 80% of the total cost of implants.

On average, a single dental implant can cost between $3,000 and $4,500 per tooth. This means that even with insurance coverage, implant procedures can be quite an investment.

When considering dental insurance and implant costs, remember to account for:

  • Deductibles
  • Annual maximum coverage limits
  • Waiting periods for basic and major dental care
  • Potential coverage percentages for implant procedures

Taking these factors into account will help you make informed decisions about the best dental insurance plan for your needs. Finally, always consult with your dental care provider and insurance company to clarify any uncertainties and obtain accurate estimates related to your specific dental implant needs.