When you choose a cigna in-network implant dentist for your tooth replacement, you tap into a network of providers who have agreed to Cigna’s negotiated rates and quality standards. This partnership can reduce your out-of-pocket expenses, speed up claims processing, and give you access to advanced dental implant procedures and same-day crowns. Whether you’re a professional in the Charlotte, NC area seeking aesthetic, long-lasting restorations, a senior replacing missing teeth, or a busy patient in need of a convenient same-day crown solution, understanding your coverage is your first step toward a successful outcome.
In this guide, you’ll learn how Cigna plan types compare, what implant and crown benefits look like, how to find in-network specialists, and the actions you can take to maximize your insurance advantages.
Understand Cigna plan types
Cigna offers several dental plan structures that affect implant and crown coverage. Here’s a quick overview:
- PPO (Preferred Provider Organization)
Covers dental implants at roughly 50% of the approved cost, often including implant abutments and implant-supported crowns, subject to waiting periods and lifetime maximums (Dr. Arocha).
- DHMO (Dental Health Maintenance Organization)
Generally excludes implant placement but may offer discounted fees through in-network providers. DHMO plans feature no deductibles, no annual maximums on covered services, and no waiting periods (Cigna).
- Dental Vision Hearing 3500
Provides 50% coverage for eligible implant procedures, with a 12-month waiting period and a $2,000 lifetime maximum on implant benefits (Cigna).
Compare implant coverage
Different plans handle implant surgery, abutments, and crowns in unique ways. Use the table below to compare key features:
| Plan type |
Implant coverage |
Waiting period |
Lifetime maximum |
| PPO |
50% of surgical implant cost; covers abutments and implant crowns (Dr. Arocha) |
12 months (Cigna Dental Insurance Plans) |
$2,000 |
| DHMO |
Typically excludes implants; may offer provider discounts (Humble Memorial Dental) |
None |
No limit |
| Dental Vision Hearing 3500 |
50% of eligible implant costs |
12 months (Cigna) |
$2,000 |
As a result, PPO and Dental Vision Hearing 3500 plans are your best bet for significant implant coverage. DHMO plans lower your upfront cost for routine care but often leave you responsible for full implant fees.
Evaluate crown coverage
Implant crowns and same-day restorations fall under your plan’s restorative benefits. Coverage details vary by plan type and service.
Implant crown coverage
- Coverage percentage
Implant crowns are typically covered at the same rate as implant placement (often 50% under PPO and Dental Vision Hearing 3500 plans).
- Replacement limits
Crowns attached to implants may be eligible for replacement every five years if they become unserviceable (Dr. Arocha).
- Waiting period
Expect the same waiting period that applies to implant surgery (usually 12 months).
Same-day crown options
Find in-network providers
Staying in network is key to controlling costs and ensuring smooth claims. Follow these steps:
- Use the Cigna directory
Visit your myCigna account or call member services to search for implant dentists.
- Verify implant credentials
Confirm the provider has experience with surgical implants and restorative crowns.
- Check for same-day services
Ask if the practice offers in-office milling or partners with a lab for same-day crowns.
- Request a referral when needed
Some plans require a PCP referral for specialty care to be covered at the highest benefit level (Cigna Health Care Providers).
Estimate your costs
Dental implant and crown procedures can vary widely in cost. Use these estimates to gauge your out-of-pocket responsibility:
- Single-tooth implant surgery: $3,000 to $5,000 per implant (Forbes Health)
- Implant restoration (crown): $800 to $1,500 per crown
- All-on-4 full-arch implants: $20,000 to $30,000 per arch (Cigna)
Estimate your share by applying your plan’s coverage percentage to these costs and factoring in any waiting periods or maximums.
Maximize your benefits
To avoid surprises and make the most of your plan:
- Request a pre-treatment estimate from your dental team to confirm coverage and coding for implant procedures (Humble Memorial Dental).
- Ensure referrals are sent to in-network specialists to avoid out-of-network penalties (Cigna Health Care Providers).
- Confirm that any necessary lab work is done at in-network facilities, which may include dental labs recommended by your provider.
- Schedule your procedure after any waiting periods have elapsed to access full benefits.
- Keep detailed records of claims and appeal any denials promptly.
Consider alternative options
If implants aren’t available under your plan or if you prefer a different solution, discuss these options with your dentist:
Plan your next steps
- Review your plan documents or call Cigna member services to confirm implant and crown benefits.
- Search the in-network directory for implant specialists and same-day crown providers.
- Request a pre-treatment estimate from your dentist to nail down coverage details.
- Schedule your consultation and procedure once all benefits are verified.
- Track your claims and file appeals if you encounter unexpected denials. For more insights into maximizing coverage, see our dental implant with insurance coverage guide.
With the right information and an in-network specialist, you can restore your smile confidently and cost-effectively. Start by confirming your benefits and booking a consultation with a Cigna-affiliated implant dentist today.
