Why Choose Humana Dental Plans?
Find the affordable dental coverage you need with budget-friendly rates.
Many of Humana's dental plans have no waiting periods.
Our large selection of dentists and specialists means more is covered at a lower cost.
Company Background & Plan Features
In this resource, you'll find:
While much more widely known for its Medicare insurance in addition to traditional health insurance, Humana still ranks among the most popular dental coverage options in the United States. As a matter of fact, Humana boasts over 335,000 dentists participating in their various dental plan networks.
Humana, Inc. is a for-profit healthcare organization, founded in the early 1970s, with its headquarters located in Louisville, KY. The company's total revenues exceeded $92 billion in 2022. Alongside its financial success, Humana has been the recipient of numerous awards and recognitions. Some of the more notable include:
- Humana was proudly numbered among Forbes "JUST 100” list for 2020. The list recognizes companies leading the effort toward responsible capitalism.
- Humana also ranked number one among healthcare providers for its treatment of customers
- Humana Pharmacy was ranked as the top mail-order pharmacy nationwide in customer satisfaction according to J.D. Power's 2018 U.S. Pharmacy Study
- Humana was included in Corporate Responsibility Magazine's 2018 list of ”100 Best Corporate Citizens”
- Humana was honored by Diversity Inc in their ranking of Humana among the top 50 companies for diversity
Humana Dental Plan Options
Humana's dental products on DentalInsurance.com are organized according to four main classifications:
- Preventive Plus
- Loyalty Plus
- Humana Extend
- Dental Value Plan
The four plan categories are not available in every state. Many of Humana's dental plans have no waiting periods to delay the use of benefits. To see which Humana plans are available in your area, visit our rate quote page.
Humana Preventive Plus dental plans are not only economically priced (with a low deductible) but cover routine preventive care (e.g. annual oral exams and teeth cleanings) without any out-of-pocket costs if this care is delivered by an in-network dentist according to the terms of the plan. After a waiting period of six months, enrollees can receive basic services such as (such as fillings, extractions and X-rays) at 50 percent of their cost. Major dental services (crowns, root canals, etc.) may also have discounts applied to their prices when members use in-network dental providers. The maximum amount a Preventive Value plan pays toward covered dental care is $1,000 annually.
Dental plans from the Humana Loyalty Plus category reward enrollees when they maintain coverage in the plan continuously year after year. In the first year, the insurer ’s spending limit for covered services is $1,000. In the second year of continuous coverage, that limit rises to $1,250, and it climbs to $1,500 by the third year. An additional benefit of Loyalty Plus is that the percentage of dental costs paid by the plan for basic and major services increases over 3 years. For example, among basic services such as fillings the amount paid by the plan starts at 40 percent in the first year of coverage and reaches 70 percent by the third year of coverage. Major dental services such as crowns have 20 percent of costs covered in the first year and increases to 50 percent by the third year.
The Humana Extend dental plans offer both in-network and out-of-network benefits. The plans are catered to consumers who are interested in comprehensive dental coverage combined with vision and hearing benefits. Additionally, both the Humana Extend 2500 and Humana Extend 5000 plans include coverage for dental implants. According to a 2022 podcast interview with Steven Farmer, Retail Sales Director at Humana MarketPoint, the Humana Extend products were inspired by customer feedback "on the importance of dental care, vision care, and hearing care as being top priorities outside of the major medical benefits.” Humana sees the products as a transition from pure dental insurance to whole-person care.
Dental Value Plans
Dental Value Plans, such as the Dental Value Plan C550 and the Dental Value Plan HI215, are designed for cost-conscious shoppers who are looking for dental coverage with clear out-of-pocket costs. These plans are HMOs and have fixed copayments for covered dental procedures, as opposed to paying a percentage of costs (which is common for PPO dental plans).
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Humana Plans Offered on DentalInsurance.com
|Preventive Plus||Bright Plus||Loyalty Plus||Dental Value Plan HI215||Dental Plan Value C550||Humana Extend 2500||Humana Extend 5000|
|Network Type||PPO||PPO||PPO||HMO||HMO||PPO + Vision||PPO + Vision|
|Annual Cleaning||100% of costs covered|
|Traditional Fillings (one surface)||50% of costs covered (Two fillings covered per year regardless of traditional or white)||60% of costs covered (1 filling covered per tooth, two fillings covered per year)||40% of costs covered in 1st year of enrollment, 55% in 2nd, & 70% in 3rd (Two fillings covered per year)||From $30||From $30||80% of costs covered (limit one per tooth per two calendar years)||80% of costs covered (limit one per tooth per two calendar years)|
|White Fillings (one surface)||50% of costs covered (white fillings are covered for front teeth)||60% of costs covered (White fillings only covered on front teeth. 1 filling covered per tooth, two fillings covered per year)||40% of costs covered in 1st year of enrollment, 55% in 2nd, & 70% in 3rd (White fillings only covered for front teeth. Two fillings covered per year)||From $45||From $50||80% of costs covered (White fillings only covered for front teeth. Limit one per tooth per two calendar years)||80% of costs covered (White fillings only covered for front teeth. Limit one per tooth per two calendar years)|
|Tooth Extraction||50% of costs covered||60% of costs covered||40% of costs covered in 1st year of enrollment, 55% in 2nd, & 70% in 3rd||$55||$35||80% of costs covered||80% of costs covered|
|Root Canal||Not covered but discounts available||Not covered||20% of costs covered in 1st year of enrollment, 30% in 2nd, & 50% in 3rd||$175 for front teeth (excluding final restoration), $390 for back teeth (excluding final restoration)||$250 for front teeth (excluding final restoration), $450 for back teeth (excluding final restoration)||50% of costs covered||50% of costs covered in 1st year of enrollment, 60% in the 2nd year|
|Crown||Not covered but discounts available||Not covered||20% of costs covered in 1st year of enrollment, 30% in 2nd, & 50% in 3rd||$410||$370||50% of costs covered||50% of costs covered in 1st year of enrollment, 60% in the 2nd year|
|Annual deductible||$50 per enrollee, up to a family limit of $150||$50 per enrollee, up to a family limit of $150||One-time Deductible. Individual: $150, individual + one: $300, family: $450. Non deductible after the first year of enrollment||None||None||$75 per enrollee||$75 per enrollee|
|Maximum Benefit (single enrollee)||$1,000||$1,250||$1,000 in 1st year of enrollment, $1,250 in 2nd, and $1,500 in 3rd||None||None||$2,500 ($1,000 dental implant annual maximum, $2,000 dental implant lifetime maximum)|
|Waiting Periods?||None on preventive care, 6-months delay for basic care, major care not covered but discounts available||None on preventive care, 90-day delay for basic care, major care not covered||None||None||None||None on preventive care, 90-day delay for basic care, 12-month delay for major care|
More From DentalInsurance.com...
Your Choice of Dental Insurance Plans Vary by State
Did you know that insurance plan options differ by state? Insurance companies offering dental plans don't necessarily operate in every region. Widely known brands are often available across the U.S. while smaller brands may be limited to a region or even a single state. In some cases, an insurer may offer different plans in different sections of the U.S.
Some states have very competitive markets with dozens of options and other states may have small markets with fewer choices. If you're interested in learning about large and competitive markets, check out our discussions of California dental insurance, Texas dental insurance, and Florida dental insurance.