Cigna sells individual dental in Oklahoma through Cigna Health and Life Insurance Company, on an Oklahoma-specific policy form. Seven plans are filed here, and three of them bundle vision and hearing into the dental policy - which is unusual and genuinely useful if you are covering all three.
Cigna Dental Plans Filed for Oklahoma
- Cigna Dental Preventive - cleanings and exams, lowest premium.
- Cigna Dental 1000 and Dental 1500 - standard plans with progressively higher annual maximums.
- Cigna Dental 3000 100 - the richest dental-only option.
- Cigna Dental Vision 1000 - dental plus vision in one policy.
- Cigna Dental Vision Hearing 2000 and Dental Vision Hearing 3500 - all three in one policy.
Two Oklahoma specifics worth knowing. First, there is no individual Cigna dental HMO in Oklahoma - every individual plan here is a PPO. Second, Cigna’s Dental Advance 2000 and 3000 plans that you may see advertised nationally are not filed in Oklahoma. If someone quotes you one of those for an Oklahoma address, something is wrong.
Networks
The Preventive, 1000 and 1500 plans use Cigna’s DPPO Advantage network. The Dental 3000 100 plan adds access to the Total network, which Cigna describes as the larger of the two. That distinction matters more than the premium difference if your dentist is only in one of them, so check before you enroll.
The Dental, Vision and Hearing Angle
Original Medicare covers none of the three. Buying them as one Cigna policy rather than three separate ones is simpler and often cheaper, which is why these plans come up most often with clients approaching or already on Medicare. Compare it against ManhattanLife, which also bundles dental, vision and hearing but pays on a fixed schedule instead.
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Common Questions
Does Cigna offer a dental HMO to individuals in Oklahoma?
No. Every individual Cigna dental plan filed in Oklahoma is a PPO.
Which Cigna dental plans include vision and hearing?
Dental Vision 1000 includes vision. Dental Vision Hearing 2000 and 3500 include both vision and hearing in a single policy.
What is the difference between the Advantage and Total networks?
They are two Cigna dental networks. Total is the larger of the two and is available on the Dental 3000 100 plan. Check which one your dentist participates in before choosing.
Can I buy Cigna Dental Advance in Oklahoma?
No. The Dental Advance 2000 and 3000 plans are not filed in Oklahoma even though they are marketed in other states.