Most people rarely give their dental insurance much thought. Of course, until they actually need it. One of the biggest dental insurance providers in the U.S., Humana Insurance, offers plans for individuals, groups, and employers. In all 50 states, Puerto Rico, and the District of Columbia, Humana Health Insurance Company offers health, dental, Medicare, and group health insurance plans. The company is headquartered in Louisville, Kentucky. These leading insurance rating companies have given it excellent financial strength ratings:
- An Excellent rating from A.M. Best
- The "A1 Upper-medium rating with low credit risk" is provided by Moody's Investor Service.
- S&P rated the company as "A+ Strong."
- Fitch rates it as "A.A.- Very Strong."
Main Points
- Both individuals and businesses can purchase dental plans from Humana.
- The most affordable services are those provided by in-network providers.
- Various policies are available based on your individual needs.
- Orthodontic services are not always covered by insurance, and costs vary by policy.
Plans from Humana Dental
Individual coverage policies and employer-sponsored health plans are both options for purchasing Humana dental plans. However, if you decide to see a specialist, you won't need a referral from your primary care dentist. You can use an in-network dentist to save even more money. PPO and DHMO plans, $0 deductibles, no copays, and the option to select your own dentist with the majority of plans are just a few of the features. A dentist who is not in the preferred provider network will charge you more than one who is. The following list includes some of Humana's dental insurance policy options: With the Humana Preventative Plus Package for Veterans, you can visit any dentist you like, in- or out-of-network. A family's deductible is $150, or $50 per person, per year. The deductible does not apply to services that are on sale. Your benefit is limited to $1,000 per year. Preventive care services do not have a waiting period, but other routine dental procedures and oral surgery do have a six-month waiting period. The plan completely covers routine cleanings and x-rays. Dental Loyalty Plus: This program lets you select a dentist who is in or out of network. A one-time deductible of $150 for an individual or $450 for a family is required. If you continue with the same plan, the deductible still applies. Benefit maximums are $1,000 for the first year, $1,250 for the second year, and $1,500 for three years or more. Dental Value Plan: Preventive services are fully covered with no deductible under the Dental Value Plan, an HMO. The fundamental procedures covered include X-rays, fillings, and extractions. The main dental services that are covered are dentures, crowns, and root canals. An in-network primary care dentist offers affordable copays for both minor and major dental procedures. There is a predetermined schedule of service fees, and there are more than 225,000 dental offices nationwide from which to choose. Select a dentist by looking at their network or not. The deductible is $50 for each individual and $150 for each family, and it does not apply to services that are offered at a discount. No copay is required for office visits, and X-rays and cleanings are fully covered. For routine dental procedures like fillings, oral surgery, and other preventive care, there is no waiting period; however, there is a six-month waiting period for more major procedures like fillings. Receive a discount when you visit any in-network dentist with Dental Savings Plus. The Dental Savings Plus is not insurance; it is a discount program. With this plan, there is no waiting period for discounts. For required services, you can request a quote. A $15 one-time enrollment fee is required. Complete Dental: This comprehensive plan offers affordable deductibles without waiting periods for preventive care. After the deductible, all preventive services (exams, cleanings, and X-rays) are fully covered. After the deductible has been met, basic services (fillings, extractions, and emergency care) are covered to the extent of 80%. In contrast, major services (root canals, crowns, dentures, onlays, inlays, and oral surgery) are covered to the extent of 50%.Cons and Benefits
Pros
The Humana website provides flexible options for dental insurance coverage and has useful online tools. The business also offers a mobile app. In some cases, up to 45% off, Humana dental insurance can provide significant savings for both restorative and preventive dental care. You can save even more on dental costs if you choose the one-time deductible provided by the Loyalty Plus Program rather than the annual deductible provided by many dental carriers. Prescription prices are further reduced with Preventative Plus for Veterans. You can make payments, file and track claims, search for doctors and specialists in the preferred provider network, and more through online services. Additionally, customers who purchase dental and vision plans simultaneously can save up to $35.Cons
Orthodontic procedures are not always covered by all dental health plans provided by Humana. There is an enrollment fee, but it will be waived for you if you choose to add dental and vision coverage. Patients who are older than 14 are not eligible for sealants. Not every state offers all types of plans and insurance options.Contact details
You can visit the Humana Health Insurance website or use the contact us page to find the appropriate point of contact phone number based on your assistance needs in order to inquire about Humana's dental insurance or to learn more about its other insurance products.