Cigna Dental in Texas: The "Cigna Dental Choice" Plan
Texas Note: Cigna PPO Is Called "Cigna Dental Choice"
In Texas, Cigna's insured dental PPO plan is known as Cigna Dental Choice and uses the national Cigna DPPO Advantage network. If your Cigna insurance documents refer to "Cigna Dental Choice," that is your Texas DPPO plan — the coverage structure is the same as the national Cigna DPPO.
Cigna's out-of-network reimbursement is based on the Maximum Reimbursable Charge (MRC), calculated at the 90th percentile of all provider submitted amounts in the geographic area. Out-of-network dentists may bill above this amount — you pay the difference (balance billing). Source: Cigna Dental PPO (Core) for Texas 2026.
Source: cigna.com/individuals-families/shop-plans/dental-insurance-plans/ and Cigna Dental PPO (Core) Texas 2026 plan document (aacounty.org) · Accessed March 2026
What Cigna Dental DPPO Typically Covers — 2026
| Tier | Service Examples | Typical In-Network Coverage |
|---|---|---|
| Preventive | Cleanings (2×/yr), exams, bitewing X-rays, fluoride, sealants | 100% — in-network, no deductible |
| Basic | Fillings, simple extractions, periodontal scaling | 80% — after deductible |
| Major | Crowns, bridges, root canals, dentures | 50% — after deductible |
| Orthodontics | Braces / aligners (if included in plan) | 50% — lifetime max applies |
| Implants | Dental implants (if covered by plan) | Subject to 12-month wait + $2,000 lifetime max (individual plans) |
| Cosmetic | Whitening, veneers for cosmetic purposes | Not typically covered |
Important Cigna Dental Facts for Texas Patients
Waiting Periods — Individual Cigna Plans
If you purchased Cigna dental as an individual plan (not through an employer), basic and major services typically have waiting periods — commonly 6 months for basic services (fillings, extractions) and 12 months for major services (crowns, root canals). Preventive care (cleanings, exams) typically has no waiting period.
Waiting periods for basic and major services may be waived if you had at least 12 months of prior dental coverage that included major restorative services and no more than 63 days has lapsed since your prior coverage ended. Orthodontic and implant waiting periods are not eligible for waiver. Source: cigna.com, accessed March 2026.
Missing Teeth Clause
Teeth that were missing before your Cigna coverage effective date are typically not covered for replacement for 24 months under the Cigna DPPO plan. This applies to bridges, dentures, and implants for teeth that were already missing when you enrolled. Source: Cigna Dental PPO (Core) Texas 2026 plan document, accessed March 2026.
myCigna App: Check Your Benefits Anytime
Cigna members can check their remaining annual maximum, deductible status, and in-network cost estimates using the myCigna app or myCigna.com. The app's Brighter Score feature lets you compare dentists by professional history, affordability, and patient reviews. We recommend checking your remaining benefits before scheduling — or call us and we verify for you. Source: cigna.com, accessed March 2026.
Annual Maximum Resets January 1
Most Cigna employer plans have an annual maximum of $1,000–$2,000 that resets each January 1. Unused benefits do not carry over. If you have pending recommended treatment and remaining annual maximum, scheduling before December 31 reduces your out-of-pocket cost. See our year-end benefits guide →
How We Handle Cigna Claims
Call or Book
Call 832-779-5522 or request online. Have your Cigna member ID and group number ready.
We Verify Your Plan
We contact Cigna's provider line and confirm your DPPO network status, annual maximum used and remaining, deductible, and coverage for your planned services.
Pre-Treatment Estimate
We give you a realistic estimate of your out-of-pocket before any work begins. Not a guarantee — final payment is determined by the claims process — but a pre-treatment estimate so you decide with full information.
We Submit the Claim
We file Cigna claims on your behalf. Out-of-network claims submitted more than 365 days after the date of service are denied by Cigna — we file promptly to protect your benefits.
North Houston Patients with Cigna We Serve
Frequently Asked Questions — Cigna Dental Houston
Verify Your Cigna Coverage — We Do the Calling
Call us and we contact Cigna on your behalf. We confirm your plan status, remaining annual maximum, and estimate your costs before you come in. Serving all North Houston zip codes.
832-779-5522 Request Appointment