Shopping Cigna? Here’s an honest, side-by-side look at how RMO MyDental compares — on price, coverage, and where each one wins.
Cigna figures referenced from public 2026 pages and vary by plan, state, and applicant. MyDental pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyDental | Cigna |
|---|---|---|
| Starting premium | $12/mo | ~$20–$35/mo |
| Deductible | $0 | $100 typical |
| Waiting period | None | 6 months (basic/major) |
| Preventive | 100% | 100% |
| Basic procedures | 70–100% | 50% after wait |
| Annual maximum | $1,500–$6,000 | $1,000–$3,000 |
| Orthodontia | Up to $2,000 (III/IV) | Limited / extra |
MyDental starts at $12/month with a $0 deductible. Cigna's individual dental plans commonly carry a $100 deductible and a 6-month wait on basic services, so MyDental usually costs less in the first year of real care.
No. MyDental covers basic and major work from day one. Cigna's lower-cost plans typically wait 6 months for basics and longer for major procedures.
Yes — as major procedures (40–60% depending on tier, 100% basic on MyDental IV), with no waiting period.
Many dentists participate in multiple networks. If yours takes MyDental you'll pay in-network rates; out-of-network care is still covered at plan percentages.
