Picture this: you’re ready to restore your smile with a full arch restoration, only to get sticker shock. Dental implants can run tens of thousands of dollars, but your insurance might lighten that load. If you’re looking for Cigna covered full arch dental restoration, you’re in the right place. We’ll walk through plan types, coverage details, and tips to keep more money in your pocket. By the end, you’ll know exactly how to navigate Cigna’s options for implant-based restoration. Let’s dive in.
Full arch restoration overview
Full arch restoration replaces an entire row of missing teeth using implant-supported prosthetics. Unlike traditional dentures, implants anchor a fixed bridge or overdenture, so you can eat and speak confidently.
Definitions
- Dental implant, a titanium screw placed in your jawbone that acts like a tooth root
- Overdenture, a removable denture that snaps onto implants for added stability
- Fixed bridge, a nonremovable prosthetic attached to implants for a permanent solution
Benefits
- Improved chewing function and comfort
- Natural-looking smile that boosts confidence
- Preservation of jawbone health by stimulating bone tissue
- Reduced slipping or irritation compared with conventional dentures
Cigna plan options
Cigna offers two main dental plan structures that may cover full arch restoration: PPO and DHMO. Each has its own pros and cons when it comes to implants and major services.
PPO plans
Cigna’s PPO (Preferred Provider Organization) plan provides coverage for full arch restoration using implant-supported prosthetics. This option typically covers up to 50% of major services after you meet your deductible. You can choose any licensed dentist, but you’ll save more by staying in network.
DHMO plans
Cigna’s DHMO (Dental Health Maintenance Organization) plan generally excludes implants from standard coverage. You won’t have an annual maximum, but you must use providers in the DHMO network. That network often offers discounted implant fees, but out-of-pocket costs can still be significant.
Plan comparison
| Plan type | Implant coverage | Annual max | Waiting period | Network structure |
|---|---|---|---|---|
| PPO | Up to 50%* | $1,500–$2,000 | 6–12 months | Flexible; in-network discounts |
| DHMO | Not covered** | None | None | Must use DHMO dentists |
- Coverage levels depend on plan variant.
** You may still access provider discounts through DHMO network.
Coverage details to check
Before you book surgery, confirm these key policy details so you’re not surprised by out-of-pocket bills.
Waiting periods
Most Cigna PPO plans include a 6–12 month waiting period for major services like full arch restoration. During that time, you won’t have coverage for implants or bridges. Plan ahead so you don’t end up paying full price.
Annual maximums
Cigna PPO plans set annual maximums between $1,000 and $2,000. Once you hit that cap, any additional restorative work is on you. If your full arch procedure spans two calendar years, you might leverage two maximums.
Coinsurance and deductibles
You’ll pay coinsurance (your share of major services) plus any unmet deductible. Make sure you know both rates before scheduling treatment. For example, a $100 deductible plus 50% coinsurance on a $30,000 procedure still leaves a sizable balance.
Find an in-network provider
Using in-network dentists helps you maximize benefits and minimize surprise bills. Here’s how to get started.
Search your network
Head to Cigna’s online directory or check our guide to in-network restorative dental care with Cigna. You can also look for a Cigna in-network dental implant provider specifically experienced in full arch cases.
Schedule a consultation
Call your chosen provider, mention full arch restoration, and ask about Cigna benefits. Be sure to request a pre-authorization estimate. That written estimate will outline what Cigna will pay and what you’ll owe.
Estimate your out-of-pocket
Even with insurance, you may face thousands in costs. Here are ways to manage or reduce those expenses.
Financing options
Many practices partner with third-party lenders to spread payments over 2–10 years, with monthly installments often between $175 and $550. Flexible credit requirements and occasional zero-interest promotions make this an appealing route.
Insurance riders
If you have a Medicare Advantage plan, consider a dental rider for implant coverage. Cigna offers add-on dental riders in select markets. Review your policy or call member services to explore these options.
Compare procedure alternatives
If full arch implants still strain your budget, here are two common alternatives to weigh.
Implant-supported dentures
These overdentures snap onto implants for stability. They cost less than a fixed bridge, and you’ll still enjoy improved chewing and bone stimulation. Learn more about Cigna’s support for these prosthetics in our Cigna covered implant retained dentures guide.
Pros
- Lower implant count reduces cost
- Removable for cleaning
- Better stability than traditional dentures
Cons
- Still removable (some prefer a fixed solution)
- May require periodic maintenance
Fixed implant bridges
A nonremovable bridge anchors to multiple implants for a permanent feel. It mimics natural teeth more closely but comes with higher surgical and prosthetic costs. Check coverage details in our Cigna dental bridge replacement coverage article.
Pros
- Permanent, no slipping
- Feels most like natural teeth
Cons
- Highest upfront cost
- Requires surgical precision
Prepare for your procedure
A smooth treatment starts with good planning and clear communication.
Eligibility checklist
- Sufficient jawbone density to support implants
- Good overall health (no uncontrolled diabetes or bleeding disorders)
- Non-smoker or commitment to quit during healing
Pre-surgery evaluation
Your dentist will order imaging (CT scan or X-ray) to map your jaw. You may need bone grafts or a sinus lift before implant placement. Don’t skip the pre-authorization step—Cigna will want detailed documentation to approve coverage.
Key takeaways and next steps
- Explore Cigna PPO plans for implant coverage, and compare with DHMO options
- Review waiting periods, annual maximums, coinsurance, and deductibles before you commit
- Use in-network providers, and get pre-authorization for a clear cost breakdown
- Estimate out-of-pocket expenses with financing plans or dental riders
- Consider implant-supported dentures or fixed bridges if a full arch implant seems out of reach
Ready to restore your smile? Book a consultation with an in-network dentist and take the first step toward full arch restoration. If you have a different insurer, check out our guides to Aetna covered restorative dental services or restorative dental work with UHC coverage.
