Understanding in-network implants
Working with a cigna in-network dental implant provider can help you save hundreds, sometimes thousands of dollars on restorative treatment. Dental implants are artificial tooth roots made from biocompatible titanium that anchor crowns, bridges, or dentures directly to your jawbone. They often last 20 years or more when you care for them properly.
Here’s the promise: by the end of this guide, you’ll know how to find an in-network implant dentist, estimate your out-of-pocket costs, and navigate Cigna’s coverage rules step by step.
What are dental implants
- Titanium posts surgically placed in your jaw
- Abutment (connector) attaches to the post
- Crown, bridge, or denture fastened on top
- Feels and functions like a natural tooth
Implants beat alternatives like bridges or removable dentures in terms of comfort, chewing power, and bone preservation.
Why choose in-network providers
Staying in-network means your dentist has agreed to Cigna’s negotiated rates. That translates to:
- Lower fees for each implant component
- Faster claims processing
- No surprise bills above your plan’s allowances
If you stray out-of-network, you cover the difference between your dentist’s fees and Cigna’s “approved amount.”
Cigna plan options
Cigna offers several dental plans. The two you’ll see most often are PPO and DHMO. Implants usually fall under major restorative services in PPO plans but are excluded from many DHMO options.
| Feature | Cigna PPO plan | Cigna DHMO plan |
|---|---|---|
| Coverage for implants | Typically 50% after deductible | Generally excluded, discount offers |
| Annual maximum | $1,500–$3,000 (varies by plan) | No dollar max on covered services |
| Waiting period for implants | 12 months | N/A |
| Deductible | $50–$100 per person | None |
| Specialist referrals | Not required | May require primary dentist referral |
Cigna PPO plans
With a PPO plan you can:
- Use any licensed dentist, often paying less in-network
- Get implants covered at about half the cost once you hit your annual deductible
- Enjoy benefits up to a plan maximum (often $1,500–$3,000 per year)
Waiting periods apply. Most plans impose a 12-month delay before implant coverage kicks in. Check your policy details to see if prior coverage waivers apply.
Cigna DHMO plans
Dental Health Maintenance Organization (DHMO) plans usually exclude implants entirely. Instead you get:
- No deductibles or annual maximums on covered services
- Lower fixed copays through in-network providers
- Discounts on excluded procedures, like implants
You can search for DHMO network providers on Cigna.com’s directory. That helps you figure out who offers discounted implant fees if you choose to move forward without coverage.
Finding a provider
Once you know your plan type, the next step is finding the right in-network specialist.
Use Cigna’s provider directory
- Go to Cigna.com and log in to your member portal
- Select your dental plan, then search “implant specialist”
- Filter by location, specialty, and patient ratings
Saving this search link in your browser makes future updates easier.
Verify network status
- Call the dental office and ask if they accept your specific Cigna plan
- Confirm coverage levels for major restorative services
- Ask for a pre-treatment estimate (also called a predetermination)
If you skip verification, you risk unexpected out-of-pocket costs.
Estimating your costs
Implant treatment often involves multiple billed services. Here’s how to ballpark your share.
Typical fee breakdown
- Initial consultation and imaging: $150–$300
- Surgery (implant placement): $1,000–$2,500 per tooth
- Abutment and crown: $800–$1,500 per tooth
- Bone graft or sinus lift (if needed): $200–$1,000
Total cost per implant can range from $3,000 to over $5,000 depending on complexity.
Calculating out-of-pocket
- Check your plan’s coverage percentage for major restorative care (often 50%)
- Subtract any deductible you haven’t met
- Apply your annual maximum and lifetime implant maximum
For example, if your total implant cost is $4,000, Cigna covers 50% ($2,000) after you satisfy a $100 deductible. If your plan’s annual max is $2,000, you’ll pay the remaining $2,100 yourself.
Lifetime and annual limits
- Implants often carry a $2,000 lifetime maximum under some Cigna plans
- Watch for separate maximums on crowns and bridges
- If you hit your limits, you may consider financing options or spreading treatments across plan years
Navigating the treatment process
Once you’ve picked a provider and sorted coverage, here’s what to expect.
Step 1: Consultation and imaging
- Oral exam and medical history review
- 3D imaging or panoramic X-rays
- Treatment plan outlining fees and timeline
Step 2: Surgical placement
- Local anesthesia or sedation dentistry
- Implant post inserted into the jawbone
- Healing cap placed, then a 3- to 6-month osseointegration period
Step 3: Abutment and restoration
- Healing cap removed, abutment attached
- Final impressions taken for your crown or bridge
- Permanent restoration cemented or screwed in place
At each phase your dentist bills separately. Ask for predetermination letters at every major milestone so you stay on budget.
Comparing alternative treatments
Not everyone is a candidate for implants. You may explore bridges, partials, or full dentures instead.
Dental bridges
Bridges anchor to adjacent teeth and cost less upfront. Cigna may cover bridges under major restorative services at similar percentages. For more on Cigna’s bridge benefits, see cigna dental bridge replacement coverage.
Implant-retained dentures
If you need a full arch, dentures snap onto 2–4 implants. They balance stability and cost. Learn about coverage for these in-between options at cigna covered implant retained dentures.
Bone grafts and sinus lifts
If your jawbone lacks density, you may need a graft or sinus lift before implants. Cigna often classifies these under oral surgery—usually 50% coverage after waiting periods. Always confirm with your provider.
Maximizing your benefits
You’ve done the homework—now track every strategy to stretch your dollars.
Stay in-network
Visiting an in-network specialist is the single best way to keep costs down. If your trusted dentist isn’t in the network, ask if they’ll join or if they offer any member discounts.
Waive waiting periods
If you had continuous dental coverage (including Class 3 major services) with no more than a 63-day lapse, you can request a waiver for waiting periods on some plans. Orthodontic and implant waiting periods typically can’t be waived.
Use FSA and HSA funds
Flexible Spending Accounts and Health Savings Accounts are tax-advantaged ways to pay your share. You can cover deductibles, copays, and even fees beyond your plan’s maximum.
Next steps
- Review your Cigna plan summary for implant coverage details
- Use the in-network restorative dental care with cigna link to find specialists near you
- Schedule a consultation and request a predetermination estimate
With the right plan and a trusted in-network partner, you’ll be on your way to a confident smile without surprises. Ready to explore your options? Book that first visit and get started on your journey to lasting dental health.
