How Do Deductibles Work Cigna Dental Insurance?

Dental insurance is a crucial part of staying on top of your oral health, but it can be confusing to understand how it all works. In this blog post, we’re breaking down everything you need to know about deductibles when it comes to Cigna dental insurance plans. We know that having dental insurance is important, but knowing how to use it can be daunting. That’s why we’re here to help! Keep reading to learn about what a deductible is, how it works with Cigna dental insurance, and how you can make the most of your plan.

What is a deductible?

A deductible is an amount that you are responsible for paying before your insurance company will begin to pay for covered services. For example, if your annual deductible is $50, you will need to pay the first $50 of any dental services you receive before your insurance company will start to pay its share. Some plans have no deductible, or a very low deductible, which means you will not have to pay anything out of pocket before your coverage begins.

How do deductibles work with dental insurance?

Deductibles are the amount of money that you have to pay out-of-pocket before your dental insurance plan starts to cover the costs of dental care. In most cases, the higher your deductible is, the lower your monthly premium will be. For example, if you have a $50 deductible, you will pay $50 for covered dental services before your insurance plan begins to pay.

Deductibles can vary depending on the type of dental insurance plan you have. For example, some plans may have separate deductibles for different types of services, such as preventive care, basic care, and major care. Other plans may have just one deductible that applies to all services.

Some dental insurance plans may also require you to meet a yearly maximum out-of-pocket limit before they start covering 100% of the costs of your dental care. This limit is in addition to your deductible and can vary depending on the dental insurance plan.

What is the average deductible for dental insurance?

The average deductible for dental insurance is $50. This means that you will have to pay $50 out of pocket before your insurance company begins to pay for your dental care.

How to choose a dental insurance plan with a deductible that works for you

When you are looking for a dental insurance plan with a deductible that works for you, it is important to consider a few factors. The first factor to consider is what your needs are. If you only need basic dental care, then you may not need a plan with a high deductible. However, if you have extensive dental needs, then you will want to look for a plan with a higher deductible.

Another factor to consider when choosing a dental insurance plan with a deductible is your budget. You will want to make sure that you can afford the monthly premium and the deductible. If you cannot afford both, then you may want to consider another option.

Finally, you will want to read the fine print of any dental insurance plan before enrolling. This way, you will know exactly what is covered and what is not covered by the plan. By doing this research ahead of time, you can avoid any surprises down the road.


Deductibles can be a confusing topic, but we hope that this article has helped clear up how they work with Cigna dental insurance. In short, deductibles are the amount of money that you have to pay out-of-pocket before your insurance coverage kicks in. For Cigna dental insurance, the deductible is $50 per person per year. So, if you have a family of four, your total annual deductible would be $200. Once you’ve met your deductible, Cigna will start covering a portion of the cost of your dental care. We hope this information has been helpful in understanding how deductibles work with Cigna dental insurance!