Is Humana Dental Insurance Good: A Comprehensive Review of Plans, Coverage

Is Humana Dental Insurance Good: A Comprehensive Review of Plans, Coverage

Is Humana dental insurance good? That’s the question on many people’s minds when considering their dental coverage options. Dental insurance is crucial for maintaining healthy teeth and gums, but with so many plans available, it can be overwhelming to choose the right one. Humana, a well-known insurance provider, offers various dental plans that cater to different needs and budgets. In this comprehensive Humana dental insurance review, we’ll explore the ins and outs of Humana’s dental coverage, including:

  • Plan options and coverage levels
  • Provider network size and accessibility
  • Customer reviews and satisfaction ratings
  • Pricing and availability

By the end of this article, you’ll clearly understand whether Humana dental insurance is the right choice for your oral health needs and budget. Let’s dive in and discover if Humana proves to be above average in most cases when it comes to dental insurance.

Humana Dental Insurance Plans

Humana offers a variety of dental plans to suit different needs and budgets, making it easier for you to find the right dental coverage. In this section of our Humana dental insurance review, we’ll look at the types of plans available and compare their coverage levels, annual maximums, deductibles, and waiting periods. By understanding the options, you can determine whether Humana dental insurance fits your oral health needs.

Humana’s dental plans include:

Preventive Value Plan:

  • A budget-friendly option focusing on preventive and primary care
  • Low monthly premiums and no annual maximum
  • 100% coverage for preventive services like cleanings and exams
  • 50% coverage for essential services like fillings and extractions
  • Lifetime deductible of $50 for individuals and $150 for families

Loyalty Plus plan:

  • Increasing annual maximum benefit over time
  • There are no waiting periods for any services
  • Coverage levels start at 40% for essential services and 20% for significant services in year one, increasing each year
  • Lifetime deductible of $150 for individuals and $450 for families
  • Rewards your loyalty with higher coverage the longer you stay with the plan

Complete Dental plan:

  • Humana’s most comprehensive dental coverage
  • Annual maximum benefit of $1,250 in year one, increasing to $1,500 in year two
  • 100% coverage for preventive services
  • 80% coverage for essential services after a 6-month waiting period
  • 50% coverage for primary services after a 12-month waiting period
  • Annual deductible of $50 for individuals and $150 for families

Other plans (Bright Plus, Dental Value, Preventive Plus):

  • Varying levels of coverage and annual maximums
  • Some plans have no waiting periods or deductibles
  • Designed to cater to specific needs and preferences

To help you compare Humana’s dental plans, here’s a table summarizing the key features:

PlanPreventive CoverageBasic CoverageMajor CoverageAnnual MaximumDeductible
Preventive Value100%50%Not coveredNone$50/$150 (lifetime)
Loyalty Plus100%40%-70%*20%-50%*$1,000-$1,500*$150/$450 (lifetime)
Complete Dental100%80%50%$1,250-$1,500**$50/$150 (annual)

*Increases each year over the first three years

**Increases in year two

In addition to these dental insurance plans, Humana offers a dental discount program and special discounts for veterans. While not insurance, these options can still help you save money on dental care.

When considering Humana dental coverage, weighing the plan features against your specific needs is essential. Preventive Value may be a good choice if you primarily need preventive care, while Complete Dental offers more comprehensive coverage for those needing therapeutic services. Loyalty Plus can be attractive if you want to stick with a long-term plan and enjoy increasing benefits over time.

Overall, Humana’s dental plans offer a range of coverage options that cater to various needs and budgets. By carefully comparing the plans, you can find the one that best aligns with your oral health goals and financial situation, ensuring that your Humana dental insurance is above average in most cases.

Humana Dental Provider Network

When choosing a dental insurance provider, the size and quality of the provider network are crucial factors to consider. An extensive network means you have more dentists to choose from, increasing the likelihood of finding a convenient, in-network provider near you. In this section of our Humana dental insurance review, we’ll explore the size and accessibility of Humana’s dental provider network and how it contributes to answering the question: “Is Humana dental insurance good?”

Humana boasts an impressive network of over 335,000 dentists and specialists nationwide. This extensive network is one of the key reasons why Humana dental insurance is above average in most cases. With such a large pool of providers, you’re more likely to find a dentist that meets your needs and preferences, whether you prioritize location, expertise, or bedside manner.

The benefits of an extensive provider network include:

  1. Increased accessibility: With more dentists, you’re more likely to find a provider close to your home or work, making it easier to schedule appointments and maintain oral health.
  2. More excellent choice: A more extensive network means you have more options when selecting a dentist who aligns with your specific needs and preferences, such as a provider specializing in specific treatments or offering extended hours.
  3. Potential cost savings: Choosing an in-network dentist can help you save money on dental care, as Humana has negotiated discounted rates with these providers. This can help you maximize your dental coverage and minimize out-of-pocket expenses.

Humana offers a user-friendly online search tool for finding an in-network dentist. Enter your zip code, and you’ll receive a list of dentists in your area who accept your Humana dental plan. You can also filter the search results by specialty, language spoken, or other preferences to find the perfect provider for your needs.

If you already have a trusted dentist, you can easily check if they are part of Humana’s network using the same online tool or by contacting Humana directly. If your current dentist is not in-network, you may still be able to receive coverage, but your out-of-pocket costs may be higher.

Humana’s extensive provider network is a significant advantage for those considering Humana dental insurance. With over many dentists and specialists nationwide, Humana makes it easier to find a convenient, in-network provider who meets your needs and preferences. This, combined with the potential cost savings associated with choosing an in-network dentist, helps solidify Humana’s position as a top choice for dental insurance in the United States.

Humana Dental Insurance Coverage

Now that we’ve explored Humana’s dental plans and provider network, it’s time to dive deeper into the specific coverage offered. This section of our Humana dental insurance review’ll examine the different services covered under Humana’s dental coverage, including preventive care, essential services, significant services, and orthodontic treatment. By understanding what’s included in your dental plan, you can decide whether Humana dental insurance is the right choice for your oral health needs.

Preventive Care Coverage

One of the standout features of Humana dental insurance is its comprehensive coverage of preventive care. Most Humana dental plans offer 100% coverage for preventive services when you visit an in-network dentist. This means you won’t have to pay out-of-pocket for essential treatments like:

  • Routine cleanings (typically twice a year)
  • Oral exams and evaluations
  • X-rays
  • Fluoride treatments

By prioritizing preventive care, Humana helps you maintain optimal oral health and catch potential issues early, saving you money and discomfort in the long run.

Basic Services Coverage

In addition to preventive care, Humana dental coverage includes essential services, such as fillings and simple extractions. The coverage level for these services varies depending on your chosen plan, but most plans offer at least 50% coverage after a waiting period.

For example, the Preventive Value plan covers 50% of essential services, while the Complete Dental plan covers 80% after a 6-month waiting period. When comparing Humana’s dental plans, it’s necessary to carefully review the coverage levels and waiting periods for essential services to ensure you choose a plan that meets your needs.

Major Services Coverage

Primary dental treatments are often expensive, like root canals, crowns, and dentures. Fortunately, Humana dental insurance offers these services, though the coverage and waiting periods vary by plan.

The Complete Dental plan, for instance, covers 50% of significant services after a 12-month waiting period. While more comprehensive coverage may be available, it can still provide substantial cost savings compared to paying for these treatments entirely out-of-pocket.

When evaluating Humana’s dental plans, consider your likelihood of needing significant services and weigh the coverage levels against the monthly premiums to determine the best value for your needs.

Orthodontic Coverage

Humana dental insurance does not typically cover orthodontic treatment, such as braces or Invisalign. However, some plans may offer discounts on orthodontic services when you visit an in-network provider. If orthodontic coverage is a priority for you or a family member, review the specific plan details or consider supplemental orthodontic insurance.

Humana Dental Insurance vs. Competitors

When considering dental insurance, evaluating how Humana’s dental plans compare to those offered by other providers is essential. In this section of our Humana dental insurance review, we’ll examine how Humana stacks up against its competitors in terms of coverage, network size, annual maximums, and more. By understanding Humana’s strengths and weaknesses relative to other insurance companies, you can make a more informed decision about whether Humana dental insurance is the right choice for your needs.

Coverage Levels and Plan Options

One area where Humana shines is in the variety of dental plans offered. With options like Preventive Value, Loyalty Plus, and Complete Dental plans, Humana caters to a wide range of needs and budgets. Some competitors may offer fewer plan options or less flexibility regarding coverage levels.

However, it’s important to note that some other providers may offer more comprehensive coverage for particular services or higher annual maximums. When comparing Humana dental coverage to different insurance companies, review the specific coverage percentages and limits for each type of service to ensure you’re getting the best value for your needs.

Provider Network Size

As mentioned earlier, Humana boasts an extensive network of over 335,000 dentists and specialists nationwide. This is a significant advantage compared to some smaller insurance companies that may have more limited networks.

However, some larger competitors, such as Delta Dental or MetLife, also have extensive networks. When evaluating Humana dental insurance against other providers, consider the network size in your specific area and whether your preferred dentists are included.

Annual Maximum Benefits and Deductibles

Humana’s dental plans offer a range of annual maximum benefits, from $1,000 to $1,500, depending on the plan and year of coverage. While these maximums are competitive, other insurance companies may offer higher annual limits.

Similarly, Humana’s deductibles are generally reasonable, with lifetime deductibles available on some plans. However, other providers may offer lower deductibles or waive them entirely for preventive services.

When comparing Humana dental insurance to other options, consider your anticipated dental needs and weigh the annual maximums and deductibles against the monthly premiums to determine the best overall value.

Unique Features of Humana Dental Plans

Humana offers some unique features that may set it apart from competitors, such as:

  • Lifetime deductibles on some plans which can result in long-term savings
  • Increasing annual maximum benefits with the Loyalty Plus plan, rewarding members for their loyalty
  • A range of budget-friendly options, like the Preventive Value plan, which focuses on essential care

While other insurance companies may offer unique features, Humana’s offerings are compelling and contribute to its overall value.

Humana dental insurance is above average in most cases compared to competitors. Humana is a strong contender in the dental insurance market with a wide range of plan options, an extensive provider network, and unique features like lifetime deductibles and increasing annual maximums. However, it’s essential to carefully compare Humana’s dental coverage to other providers, considering coverage levels, network size, and cost, to ensure you choose the best dental insurance for your specific needs.

Enrollment and Claims Process

Now that you’ve learned about Humana’s dental plans and how they compare to other providers, you may wonder about the enrollment and claims process. In this section of our Humana dental insurance review, we’ll walk you through the steps to apply for coverage, cancel your plan, and file claims for dental services.

Applying for Humana Dental Insurance

Enrolling in Humana dental insurance is a straightforward process that you can complete online. To get started, follow these steps:

  1. Visit Humana’s website and navigate to the dental insurance section
  2. Enter your zip code and personal information to view available plans in your area
  3. Compare the plans, considering factors like coverage levels, monthly premiums, and annual maximums
  4. Choose the plan that best fits your needs and budget
  5. Complete the online application, providing the necessary information and payment details

Once your application is submitted and approved, your dental coverage will typically begin on the first day of the following month.

Canceling Humana Dental Insurance

If you need to cancel your Humana dental plan, you can contact Humana’s customer service team. Be sure to provide your policy number and the reason for cancellation. Remember that there may be certain restrictions or requirements for canceling your plan, such as giving advance notice or paying any outstanding premiums.

Filing Claims and Reimbursement Process

One of the benefits of Humana dental insurance is that most in-network dentists will file claims on your behalf, making the process more convenient for you. However, if you need to file a claim yourself, follow these steps:

  1. Obtain a claim form from Humana’s website or by contacting customer service.
  2. Fill out the form completely, including your policy number, personal information, and details about the dental services received.
  3. Attach any necessary documentation, such as receipts or treatment records.
  4. Submit the claim form and supporting documents to Humana via mail or online.

Humana will process your claim and provide reimbursement according to your plan’s coverage levels and any applicable deductibles or copayments.

Accessing Insurance Cards and Plan Information

As a Humana dental insurance member, you’ll have access to the MyHumana app, which allows you to:

  • View and print your insurance cards
  • Check your coverage details and benefits
  • Track claims and reimbursements
  • Find in-network dentists near you

Easy access to your plan information and resources through the app can help you make the most of your Humana dental coverage.

Availability and Pricing

When considering Humana dental insurance, availability and pricing are two critical factors to evaluate. In this section of our Humana dental insurance review, we’ll discuss which states Humana’s dental plans are offered in and how much coverage you can expect to pay.

Availability by State

Humana dental insurance is available in most states. However, it’s important to note that not all plans are offered in every state, and some states may have a more limited selection of dental plans.

To find out which Humana dental plans are available in your area, visit Humana’s website and enter your zip code. You’ll be provided with a list of plans specific to your location and details about coverage levels, monthly premiums, and more.

Factors Affecting Plan Availability

Several factors can influence the availability of Humana’s dental plans in a given state, such as:

  • State regulations and insurance laws
  • Market demand and competition
  • Provider network agreements
  • Demographic factors, such as population density and age distribution

While Humana strives to offer a range of dental plans in as many states as possible, these factors can sometimes limit the options available in certain areas.

Pricing and Monthly Premiums

The cost of Humana dental insurance varies depending on several factors, including:

  • Your specific plan (Preventive Value, Loyalty Plus, Complete Dental, etc.)
  • Your location and zip code
  • The number of people covered under your plan (individual, couple, or family)

To give you a general idea of Humana’s pricing, here are some examples of monthly premiums for different plans in various states:

StatePreventive ValueLoyalty PlusComplete Dental

Remember that these prices are just examples and may not reflect the actual premiums available in your area. To get a personalized quote for Humana dental insurance, visit their website and enter your zip code and personal information.

Enrollment Fees and Administrative Costs

Some Humana dental plans may have enrollment fees or administrative costs in addition to monthly premiums. These fees can vary by plan and location, so review the specific details of any plan you’re considering.

For example, some plans may have a one-time enrollment fee of $35 or a monthly administrative fee of $1. While these fees are generally modest, it’s important to factor them into your overall cost assessment when comparing Humana’s dental plans to other options.


Throughout this comprehensive Humana dental insurance review, we’ve explored the various aspects of Humana’s dental plans, including plan options, coverage levels, provider network, customer experience, and more. As we conclude, let’s summarize Humana dental insurance’s key strengths and weaknesses to help you determine if it’s the right choice for your oral health needs.

Strengths of Humana Dental Insurance

  • Wide range of plan options to suit different needs and budgets
  • Extensive provider network with over 335,000 dentists and specialists nationwide
  • 100% coverage for preventive care with most plans
  • Unique features like lifetime deductibles and increasing annual maximums
  • Budget-friendly options like the Preventive Value plan
  • Comprehensive coverage for basic and primary services with many plans
  • Highly accessible customer service and tools like the MyHumana app

Weaknesses of Humana Dental Insurance

  • Some plans may have waiting periods for basic and primary services
  • Annual maximum benefits may be lower than some competitors
  • Orthodontic coverage is limited or not available with most plans
  • Specific plan options and pricing may vary by state

Overall, Humana dental insurance is above average in most cases, offering a solid balance of coverage, affordability, and customer satisfaction. However, as with any insurance decision, it’s essential to carefully consider your individual needs and budget when choosing a dental plan.

Considerations for Choosing a Humana Dental Plan

When selecting a Humana dental plan, ask yourself the following questions:

  1. What coverage do I need for preventive, primary, and primary services?
  2. How important is an extensive provider network to me?
  3. What can I afford in terms of monthly premiums and out-of-pocket costs?
  4. Do I anticipate needing specific treatments, such as orthodontics or restorative services?

By answering these questions and carefully reviewing the details of each plan, you can find a Humana dental insurance option that best aligns with your unique needs and budget.

Investing in dental insurance is crucial in protecting your oral health and overall well-being. Choosing a reputable provider like Humana lets you enjoy peace of mind, knowing that your smile is covered.

If you still need to decide is humana dental insurance good, consider contacting the experts at Every Health Group. Their team of experienced professionals can help you navigate the complexities of dental insurance, answer your questions, and guide you toward the best Humana dental plan for your specific needs.

Please don’t wait until it’s too late to prioritize your oral health. Contact Every Health Group today to learn about Humana dental insurance and take the first step towards a healthier, happier smile.