Cigna Dental: 2026 Texas Individual Plans & Rates
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2026 Cigna Dental Plans in Texas
Nine plans were available for a Dallas quote in August 2026. Every plan covers preventive care; they differ on annual maximums, waiting periods, and whether vision, hearing, orthodontia or implants are included.
| Plan | Monthly Premium* | Annual Maximum | Deductible | Network | Best For |
|---|---|---|---|---|---|
| Cigna Dental Preventive | $18.00/mo | Preventive only | None | Advantage | $0 cleanings, exams and routine x-rays at the lowest price |
| Cigna Dental 1000 | $31.00/mo | $1,000/yr | $50 person / $150 family | Advantage | Entry-level full coverage for basic dental work |
| Cigna Dental Vision 1000 | $33.92/mo | $1,000/yr | $50 person / $150 family | Advantage | Adding vision benefits without a big premium jump |
| Cigna Dental 1500 | $35.00/mo | $1,500/yr | $50 person / $150 family | Advantage | Families who want orthodontia coverage |
| Cigna Dental 3000/100 | $36.74/mo | $3,000/yr | $100 person | Total | The highest annual maximum per premium dollar |
| Cigna Dental Vision Hearing 2000 | $48.14/mo | $1,500/yr | $100 person | Advantage | Dental, vision and hearing in one plan |
| Cigna Dental Advance 2000 | $52.36/mo | $1,500 yr 1, growing to $2,000 | $75 lifetime | Total | No waiting periods, with implant coverage |
| Cigna Dental Advance 3000 | $60.34/mo | $2,000 yr 1, growing to $3,000 | $150 lifetime | Total | No waiting periods plus orthodontia |
| Cigna Dental Vision Hearing 3500 | $61.43/mo | $2,500/yr | $100 person | Advantage | Maximum bundled dental, vision and hearing benefits |
*Rates pulled August 31, 2026 from Cigna’s online quote tool for a 40-year-old non-smoker in Dallas (ZIP 75201), single coverage, September 1, 2026 effective date. Your premium varies by age and ZIP code – run a quote for your exact price. Rates subject to change.
Why Texans Choose Cigna Dental
- $0 dental check-ups – cleanings, exams and routine x-rays covered at 100% on most plans, with no deductible on Advantage-network plans
- Prices start at $18/month – the Dental Preventive plan is one of the cheapest ways in Texas to cover cleanings and x-rays
- No waiting periods on Advance plans – Dental Advance 2000 and 3000 cover basic and major work from day one
- Bundled vision and hearing – three plans add up to $300 in vision and $700 in hearing benefits
- Orthodontia and implants available on select plans
- Year-round enrollment – no open enrollment window for dental
Cigna Dental Network in Texas
Cigna runs two dental PPO networks: Advantage (used by the Preventive, 1000, 1500 and bundled plans) and the larger Total network (used by the 3000/100 and Advance plans). Both are nationwide DPPO networks with deep coverage across Dallas-Fort Worth, Houston, Austin and San Antonio. You can see any licensed dentist, but in-network care gets Cigna’s negotiated rates – usually the difference between a plan that feels cheap and one that feels expensive.
Verify your dentist in the Cigna directory before you enroll.
Cigna Dental Coverage Details
Preventive Care
Cleanings, oral exams and routine x-rays are covered at 100% with no deductible on Advantage-network plans, and at 100% after deductible on the 3000/100. Covered from day one on every plan.
Basic Services
Fillings and simple extractions run 50-80% coverage depending on plan, after deductible. Standard plans apply a 6-month waiting period to basic work; Advance plans have none.
Major Services
Crowns, bridges and dentures are covered on the restorative plans, subject to the annual maximum. The Advance plans’ maximums grow each year you keep the plan – the Advance 3000 reaches $3,000 by year three.
Orthodontia & Implants
Orthodontia is available on the Dental 1500 and Advance 3000; implant coverage comes with the Advance 2000 and the Dental Vision Hearing 3500.
Cigna Dental FAQ
What is Cigna Dental Choice?
In Texas, Cigna’s individual dental plan is sold as Cigna Dental Choice and uses the national Cigna DPPO network. It’s the same plan lineup you see quoted online – the name only shows up in your policy paperwork.
Are there waiting periods?
Preventive care is covered from day one on every plan. Standard plans apply a 6-month wait to basic and major services, but the Dental Advance 2000 and 3000 have no waiting periods on any covered class – the main reason to pick them if you need work done soon.
Can I buy Cigna dental insurance any time of year?
Yes. Dental plans have no open enrollment window. Enroll any day and coverage starts on the first of a following month – quotes can be run up to 3 months ahead.
Can I keep my own dentist?
Yes – these are PPO plans, so you can see any licensed dentist. You’ll save the most with a dentist in Cigna’s Advantage or Total network, so check the directory before enrolling.
How do these rates compare to other Texas dental carriers?
Cigna’s $18-$37/month core plans undercut most Texas competitors at the entry level, while the Advance plans compete with no-waiting-period carriers like Spirit Dental at a similar price point but with a growing annual maximum.
