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Dental Insurance from Humana

Affordable Dental Coverage for the whole family!

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Company Background & Plan Features

By Insurance Industry Expert & Author
Updated on

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 270,000 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 $77 billion in 2020. Alongside its financial success, Humana has been the recipient of numerous awards and recognitions. Some of the more notable include:

Plan Options

Humana’s dental products are organized according to two main classifications:

These plan categories are not available in every state. Many of Humana’s dental plans have no waiting periods to delay the use of benefits.

Preventive Value

Preventive Value 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.

Loyalty Plus

Dental plans from the 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.

Our best-selling Humana plans

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Preventive Plus

Plan covers services most often used

Plan Type: PPO
Plan Maximum: $1000

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Bright Plus

Designed for people looking to maintain good oral health through regular exams and cleanings

Plan Type: PPO
Plan Maximum: $1250

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Loyalty Plus

Designed to help you save money

Plan Type: PPO
Plan Maximum: $1000 - $1500

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