Yes, Cigna may cover dental implants, but it depends entirely on your specific plan.
Cigna’s dental insurance offerings vary widely between PPO (Preferred Provider Organization) and DHMO (Dental Health Maintenance Organization) plans. Some policies include dental implants as part of their major restorative services. Others exclude them altogether, especially if the procedure is considered cosmetic.
In this article, we’ll walk you through exactly what’s covered, what’s not, and how to maximize your benefits if you’re planning on getting dental implants. We’ll also explain what to do if your plan doesn’t offer implant coverage, and what options are available to help you afford the treatment.
Key Takeaways
✔ Cigna PPO plans may cover implants at 50%, subject to annual max and waiting periods
✔ Cigna DHMO plans often exclude implants but may offer discounts through providers
✔ Implant-related procedures may require extra documentation for coverage
✔ Pre-treatment estimates and in-network providers help reduce surprises
✔ Use FSAs, HSAs, or payment plans to manage uncovered costs and stay on budget
What Are Dental Implants and Why Are They Recommended?
Dental implants are artificial tooth roots made from biocompatible titanium. They’re surgically placed into the jawbone to support crowns, bridges, or dentures. Once healed, they restore full chewing function and mimic the appearance of natural teeth.
Implants are typically recommended when:
- You’ve lost one or more teeth due to decay, trauma, or gum disease
- You want a more permanent solution than traditional dentures or bridges
- You want to preserve bone density and facial structure
They offer unmatched durability, often lasting 20 years or more with proper care.
Does Cigna Cover Dental Implants? The Short Answer
Cigna PPO plans may provide partial coverage for dental implants, while DHMO plans typically do not.
Coverage varies depending on:
- The specific plan you’re enrolled in
- Whether implants are deemed medically necessary or cosmetic
- The plan’s annual maximum, waiting periods, and pre-approval requirements
Don’t assume coverage without checking your policy or having your dental office verify it on your behalf.
Cigna PPO Plans: What’s Typically Covered?
Cigna’s PPO plans offer more flexibility and wider coverage than DHMO options. Dental implants may be included under major restorative services, which also typically cover crowns, bridges, and oral surgeries.
What’s Commonly Covered:
- Implant post (surgical placement)
- Abutment
- Crown (sometimes billed separately)
- Bone grafting or sinus lift (if deemed necessary)
Key Conditions:
- Coverage is usually 50% after meeting the deductible
- Plans include a waiting period (often 6–12 months for major services)
- Subject to an annual maximum—usually $1,000–$2,000
- Pre-treatment estimate or prior authorization may be required
Cigna DHMO Plans: Limited or No Implant Coverage
Cigna DHMO plans are typically more affordable but come with tighter restrictions. Most DHMO plans exclude dental implants completely, offering coverage only for dentures or bridges as alternatives.
What to Expect:
- Implants not listed on the Schedule of Benefits
- Discounts may be available through contracted providers, but not reimbursement
- Coverage focused on basic, preventive, and limited restorative care
Always check your plan’s documentation or ask your provider to verify.
What About Implant-Related Procedures?
Implant surgery often includes additional treatments, which may be billed separately and have their own coverage rules:
- Bone grafts: Sometimes covered under oral surgery benefits
- Sinus lifts: May require documentation of medical necessity
- Temporary crowns or flippers: Not always covered unless part of the overall treatment plan
- CT scans and 3D imaging: Might be covered as diagnostics depending on plan
Be sure your dental team submits accurate coding and thorough documentation.
Why Cigna Might Deny Implant Coverage
Even with a PPO plan, implant coverage is not guaranteed. Here are common reasons for denial:
- The plan doesn’t include implants as a benefit
- The procedure is considered cosmetic or elective
- You didn’t meet the waiting period for major services
- You’ve exceeded your annual maximum
- Pre-authorization was required and not submitted
Avoid surprises by asking your provider to submit a pre-treatment estimate.
Costs of Dental Implants With vs. Without Insurance
Without Insurance:
- Single implant (post + crown): $3,000–$5,000
- Full arch (implant-supported dentures): $20,000–$40,000+
With Cigna PPO (If Covered):
- Coverage: Up to 50%, capped by your plan’s annual maximum
- Patient out-of-pocket: Typically $1,500–$4,000+ depending on extent
Costs vary based on provider, materials used, and any preparatory work required.
How to Maximize Implant Coverage With Cigna
Here are some tips to get the most from your dental insurance:
- Review your Summary of Benefits to confirm inclusion of implant services
- Ask your dentist to submit a pre-treatment estimate before scheduling surgery
- Use an in-network provider to keep fees lower and simplify approvals
- Spread treatment over multiple benefit years to avoid hitting your annual cap
- Use FSA or HSA accounts to cover out-of-pocket expenses tax-free
- Explore supplemental dental policies for more robust coverage
What to Do If Your Implants Aren’t Covered
Don’t give up on dental implants if your plan falls short. Here’s what you can do:
1. Ask About Alternatives
Your dentist may suggest a dental bridge or removable partial denture, which are more commonly covered.
2. Upgrade Your Plan
During open enrollment, check if your employer offers a higher-tier PPO plan that includes implants.
3. Use Payment Plans
At Humble Memorial Dental, we offer monthly financing options and work with CareCredit and other third-party lenders.
4. Appeal Denials With Documentation
If coverage is denied, your provider can help resubmit with additional justification, X-rays, and notes to prove medical necessity.
Looking for Dental Implants in Humble, TX?
Humble Memorial Dental Group is the #1 dental implant dentist in Humble Tx. We provide top-tier implant care—from single implants to full-mouth restorations. Our team:
- Verifies your Cigna coverage before treatment begins
- Submits pre-authorization and documentation on your behalf
- Explains every step and cost clearly
- Offers flexible financing to make treatment accessible
Book a consultation today to explore if implants are right for you—and what your insurance will cover.
Final Thoughts
So, does Cigna cover dental implants? Yes, but only in specific plans, and often with limitations.
If you’re considering implants, the smartest move is to check your coverage early, understand your financial responsibility, and partner with a provider who can walk you through your options.
Implants may be a big investment, but they’re also one of the best you can make for your health, smile, and quality of life.
