Network and Availability:

Delta Dental: Delta Dental boasts one of the largest dental networks in the United States, including over 150,000 dentists nationwide. Their expansive network ensures you can easily find an in-network dentist nearby, which helps minimize out-of-pocket expenses.

Cigna Dental: Cigna Dental also maintains a large and growing national network, with over 90,000 dentists nationwide. While slightly smaller than Delta Dental’s network, Cigna Dental provides strong availability and accessibility, particularly in urban and suburban areas.

Cost Comparison:

Delta Dental: Delta Dental offers highly competitive pricing with a range of affordable premium options designed to fit different budget needs. Plans typically have low deductibles and reasonable annual maximums, ensuring affordable care for individuals and families. 

Cigna Dental: Cigna also provides competitive pricing structures with various cost-effective plans. Some plans offer low or no deductibles and affordable co-pays for preventive care. Premiums are often slightly lower than industry averages, making them attractive for budget-conscious individuals.

Cigna Dental generally offers more affordable premiums, with monthly costs ranging from $20 to $50. Delta Dental’s premiums are typically slightly higher.

Waiting Periods and Restrictions:

Delta Dental: Delta Dental plans usually have minimal waiting periods for preventive care, but longer waiting periods (typically 6-12 months) may apply for certain basic and major dental procedures. Some higher-tier plans may reduce or eliminate these waiting periods.

Cigna Dental: Cigna Dental’s waiting periods depend on your selected plan. Many preventive services are covered immediately, while basic procedures can have minimal to no waiting periods. Certain major treatments, like orthodontics and crowns, may require a waiting period ranging from 6 to 12 months.

Ease of Use and Customer Service:

Delta Dental: Delta Dental provides easy-to-use digital tools and platforms to quickly find in-network dentists, manage your account, and track claims. They have an excellent reputation for responsive customer service, addressing inquiries promptly and clearly.

Cigna Dental: Cigna offers user-friendly online tools and mobile apps to manage coverage, locate providers, and track claims efficiently. Their customer support team is highly regarded for courteous, prompt, and helpful service, streamlining the user experience.

Additional Benefits and Perks:

Delta Dental: Delta Dental often includes additional perks such as discounts on vision care and hearing services. Some plans provide oral health educational resources, promoting preventive care and overall dental health.

Cigna Dental: Cigna Dental frequently bundles additional wellness benefits, such as telehealth visits, orthodontic discounts, and vision or hearing discounts. Their plans may also offer discounts on teeth-whitening procedures and other cosmetic dental services.

Reputation and Customer Reviews:

Delta Dental: Delta Dental enjoys widespread recognition for reliability and extensive dental networks, receiving high ratings for satisfaction and ease of claims processing. Customer reviews generally highlight convenience, affordability, and broad provider access.

Cigna Dental: Cigna Dental is recognized for excellent customer service and value-oriented coverage. Positive customer reviews often emphasize helpful customer support, affordability, and overall satisfaction with the available plan options.

Suitability and Recommendations:

• Choose Delta Dental if your primary concern is accessing the largest possible network of dental professionals and consistent nationwide coverage with an established provider.

• Choose Cigna Dental if your priority includes competitive premiums, convenient bundled benefits, and excellent customer support, particularly suitable for budget-conscious individuals and families.