Delta Dental vs Cigna: Which Dental Plan Is Best?
Choosing the right dental insurance can feel overwhelming. With so many options, understanding the differences between providers is key to finding the best fit for your needs and budget. This comparison dives deep into two of the leading dental insurance providers: Delta Dental and Cigna.
We’ll explore the various plans offered by both companies, comparing their coverage options, network sizes, and customer service ratings. Whether you’re seeking basic preventative care or more extensive procedures, this guide will help you navigate the complexities of dental insurance. Understanding the nuances of each plan is important.
Ultimately, the goal is to empower you to make an informed decision and select a plan that aligns perfectly with your oral health goals. We’ll break down the pros and cons of Delta Dental and Cigna, ensuring you have all the information you need to choose wisely. Let’s get started!
Specs at a Glance
| Feature | Delta Dental | Cigna |
|---|---|---|
| Network Size | Extensive | Large |
| Plan Variety | Wide Range | Diverse |
| Preventive Care Coverage | High | Good |
| Orthodontia Coverage | Often Included | Available |
| Customer Service Availability | 24/7 | Varies |
| Online Account Management | Yes | Yes |
| Mobile App | Yes | Yes |
| Waiting Periods | May Apply | May Apply |
| Out-of-Network Coverage | Available | Available |
| Employer Plans | Common | Common |
| Individual Plans | Available | Available |
| Vision Coverage Options | Often Bundled | Available |
Feature-by-Feature Breakdown
Network Size & Access
- Delta Dental: Delta Dental typically boasts one of the largest dental networks nationwide, offering extensive access to dentists. This can mean more in-network options and potentially lower out-of-pocket costs. However, network quality and dentist availability can vary by region.
- Cigna: Cigna’s dental network is generally smaller than Delta Dental’s, but it still provides a good selection of dentists. While access might be slightly more limited, Cigna may offer more specialized dental providers in certain areas. Network access can be plan-specific.
- Winner: delta dental
Plan Options & Coverage Levels
- Delta Dental: Delta Dental offers a wide array of plans, from basic to premium, with varying levels of coverage for preventive, basic, and major services. Coverage details and cost-sharing can differ significantly depending on the chosen plan. Some plans may have waiting periods for certain procedures.
- Cigna: Cigna provides a range of dental plans catering to different needs and budgets. Coverage levels for specific procedures, deductibles, and annual maximums will vary based on the selected plan. They also offer plans with no waiting periods.
- Winner: Tie
Cost & Premiums
- Delta Dental: Delta Dental premiums can vary based on the chosen plan, location, and group size (if applicable). Costs are competitive, and they often provide discounts for in-network services, which contributes to lower out-of-pocket expenses.
- Cigna: Cigna’s premiums also vary based on the plan and location. Pricing can be competitive, and out-of-pocket costs are influenced by the plan’s deductible, coinsurance, and annual maximums. They may have different pricing structures for individual versus group plans.
- Winner: Tie
Preventive Care Coverage
- Delta Dental: Delta Dental plans typically offer comprehensive coverage for preventive services, such as cleanings, exams, and X-rays, often with no or low out-of-pocket costs when using in-network providers. This focus on prevention helps to maintain good oral health.
- Cigna: Cigna generally provides good coverage for preventive care, including cleanings, exams, and other routine services. The specifics of coverage, such as frequency limits, will vary by plan.
- Winner: Tie
Coverage for Basic & Major Services
- Delta Dental: Coverage for basic services (fillings, extractions) and major services (crowns, root canals) varies based on the plan. Higher-tier plans usually offer better coverage, but they come with higher premiums. Consider the specific needs and potential dental work when choosing a plan.
- Cigna: Cigna’s coverage for basic and major services depends on the plan chosen. Coverage levels, including the percentage of costs covered, deductibles, and annual maximums, vary between plans.
- Winner: Tie
Customer Service & Support
- Delta Dental: Delta Dental generally provides good customer service and online tools for members to manage their plans and find dentists. Customer service experiences can vary, and wait times may fluctuate.
- Cigna: Cigna offers customer service support, including online resources and phone support. Customer service experiences can be variable, and the quality of support might depend on the specific plan and region.
- Winner: Tie
Waiting Periods
- Delta Dental: Many Delta Dental plans have waiting periods for certain procedures, particularly for major services like crowns and root canals. The length of these waiting periods will depend on the plan selected.
- Cigna: Cigna offers plans with and without waiting periods. The presence of waiting periods will depend on the specific plan purchased.
- Winner: cigna
Additional Benefits & Features
- Delta Dental: Delta Dental may offer additional benefits like orthodontic coverage (depending on the plan), vision discounts, and wellness programs. These features can vary based on the specific plan.
- Cigna: Cigna might offer additional benefits such as orthodontia coverage, cosmetic dentistry options (depending on the plan), and potential discounts on other health services. The availability of these benefits varies by plan.
- Winner: Tie
Winner by Category
| Category | Winner |
|---|---|
| Network Size | Delta Dental |
| Plan Variety | Tie |
| Preventive Care Coverage | Tie |
| Customer Service | Tie |
| Overall Value | Tie |
What They Have in Common
- Preventive Care Focus: Both Delta Dental and Cigna emphasize preventive care, offering coverage for routine checkups, cleanings, and X-rays to help maintain good oral health and prevent future problems.
- Network Accessibility: Both providers have extensive networks of dentists, providing numerous options for members to find in-network providers and receive covered services.
- Online Tools: Both Delta Dental and Cigna provide online tools and resources, including member portals, to help manage dental plans, find providers, and access information.
- Coverage for Basic Services: Both plans include coverage for basic dental services such as fillings, extractions, and other essential treatments.
- Coverage for Major Services: Both typically cover more complex procedures like crowns, bridges, and dentures.
Delta Dental Vs Cigna Buying Guide
Coverage Options
Delta Dental and Cigna offer various dental insurance plans to cater to different needs and budgets. Delta Dental provides a broad range of plans, including PPO, HMO, and discount plans, often with varying levels of coverage for preventive, basic, and major dental procedures. Cigna also provides a selection of plans, such as DHMO, DPPO, and indemnity plans, allowing consumers to choose coverage that best suits their circumstances. Both companies allow you to choose from individual and family plans, making it easy to cover yourself and your family.
Network of Dentists
Both Delta Dental and Cigna boast extensive networks of dentists. Delta Dental generally has a larger network, particularly with its PPO plans, giving you more choices for in-network providers. Cigna’s network is also substantial, offering a wide array of dentists across the country. Check the specific plan’s network before selecting a plan to ensure your preferred dentist is included, as this can affect your out-of-pocket costs and convenience. Both networks include general dentists and specialists.
Plan Costs and Premiums
The cost of Delta Dental and Cigna plans varies based on the coverage level, location, and the specific plan chosen. Generally, plans with more comprehensive coverage and lower deductibles will have higher premiums. Delta Dental and Cigna offer a range of plans to suit different budgets, from basic preventive care to extensive coverage for major procedures. It is important to compare premiums, deductibles, and annual maximums when evaluating the cost-effectiveness of each plan. Consider your dental needs and budget.
Customer Service and Reputation
Customer service experiences can vary. Delta Dental and Cigna have mixed reviews regarding their customer service. Some customers report positive experiences, while others highlight issues such as claim processing delays or difficulty reaching customer support. Researching customer reviews and ratings can provide insights into each company’s reputation. Both companies have been in business for a long time, so you can likely trust them to fulfill their promise. Consider the importance of good customer service when making your decision.
Waiting Periods and Limitations
Both Delta Dental and Cigna typically impose waiting periods for certain procedures, particularly for major services like crowns, bridges, and orthodontics. These waiting periods can range from several months to a year or more. Understanding these waiting periods is crucial when planning your dental care. It is also important to carefully review any limitations on coverage, such as annual maximums, frequency limitations, and pre-existing condition clauses. Make sure you understand the fine print before signing up.
Claim Filing and Processing
Delta Dental and Cigna generally make the claim filing process relatively straightforward. Many dentists are in-network and handle the claim submission process directly, reducing your administrative burden. When filing claims yourself, both companies offer online portals and mobile apps to facilitate the process. Processing times can vary, but generally, claims are processed within a few weeks. It’s essential to keep records of your dental visits and bills for easy claim filing.
Who Should Buy What?
Buy Delta Dental If…
- You value a large, established network with a wide selection of dentists.
- You want a plan that heavily emphasizes preventive care and offers comprehensive coverage.
- You prioritize a provider with strong customer service and readily available support.
- You’re looking for a plan that is widely accepted by dentists.
Buy Cigna If…
- You want a plan with a good balance of coverage and cost.
- You are looking for a plan that offers flexible plan options.
- You value having multiple plan choices to fit your specific needs.
- You want a provider that offers integrated health and dental plans.
Frequently Asked Questions
What is the difference between Delta Dental and Cigna?
Delta Dental and Cigna are both major dental insurance providers, but they differ in their plan offerings, network sizes, and customer service experiences. Delta Dental is often known for its extensive network and variety of plans, while Cigna also offers a range of options with a focus on comprehensive coverage. The best choice depends on your individual needs and the specific plans available in your area. Consider your individual circumstances.
What types of dental plans do Delta Dental and Cigna offer?
Both Delta Dental and Cigna provide a variety of plans, including PPO (Preferred Provider Organization), HMO (Health Maintenance Organization), and discount plans. PPO plans offer more flexibility in choosing dentists, while HMO plans typically have lower premiums but require you to select a dentist from a specific network. Consider your needs and what is important to you when choosing a plan. Discount plans are also available.
How do I find a dentist in Delta Dental or Cigna’s network?
Both companies have online tools on their websites to help you find in-network dentists. You can search by location, specialty, and other criteria. Delta Dental’s and Cigna’s websites allow you to search for dentists in your area. It’s recommended to verify that your dentist is in-network before your appointment to minimize out-of-pocket costs. Always confirm your dentist is in network.
Are pre-existing dental conditions covered?
Coverage for pre-existing conditions varies by plan and may be subject to waiting periods. Some plans may not cover certain treatments for pre-existing conditions immediately. Review the plan details carefully to understand how pre-existing conditions are handled. Waiting periods can be a factor. Carefully consider the details.
How much do Delta Dental and Cigna plans cost?
The cost of Delta Dental and Cigna plans varies based on coverage level, location, and plan type. Factors influencing cost include premiums, deductibles, and annual maximums. Premiums vary widely. Comparing quotes from both companies is crucial. Consider your budget and dental needs. Look at both short and long term costs.
How do I file a claim with Delta Dental or Cigna?
In most cases, in-network dentists will file claims directly with Delta Dental or Cigna. If you need to file a claim yourself, both companies offer online portals and mobile apps for easy submission. You will need to provide information about the treatment and costs. Keep records of your dental visits. Processing times vary.
What if I need emergency dental care?
Both Delta Dental and Cigna generally cover emergency dental care, but the specific coverage may vary depending on your plan. Contact your insurance provider as soon as possible to understand the coverage and any requirements. If you have a PPO plan, you can typically see any dentist. Always call your insurance provider.
Final Verdict
Choosing between Delta Dental and Cigna hinges on individual needs. Delta Dental often boasts a larger network and diverse plan options, making it a strong choice. Cigna also offers comprehensive coverage, and may be a better fit for some. Consider plan specifics, network access, and customer service. Both are solid choices.
Winner: Delta Dental