Unless you have a Medicare Advantage plan with dental, it’s essential to find coverage to augment that of Original Medicare, which does not cover cleanings, cavities, crowns, or other common procedures.
As one of the nation’s largest providers of dental insurance, Humana offers a variety of coverage options for individuals, groups, and employers. Humana health insurance is headquartered in Kentucky, and they currently have policies available in all 50 states and a few U.S. territories. However, not every plan is available in all of Humana Dental’s service areas.
Seniors will find several Humana Dental insurance plans that are flexible enough to meet the needs of those on a modest budget in addition to those who need restorative work or dentures. Humana has a senior-specific plan, a discount plan, veteran-specific options, PPO, and HMO policies with a wide range of coverage options.
Our Top-Rated Dental Plans for Seniors
If Humana is not available in your region, then we recommend one of the following providers, all of which offer dental plans for seniors at affordable prices.
Humana Dental Coverage Options and Policies
Humana simplifies dental visits with low co-pays, a wide choice of dentists, and the ability to see a specialist without the need for a referral. Here are some top dental policies offered through Humana.
HumanaOne Dental Savings Plus Discount Plan
This is the simplest and most affordable dental program offered by Humana, and the Savings Plus is a discount plan as opposed to traditional coverage. Typically, members pay a set price per individual, per couple, or per family to enjoy immediate discounts of up to 40 percent on many dental services through in-network providers with no waiting periods.
Many providers offer enrollment to uninsured patients in HumanOne Dental Savings right in their office to cover expenses for their visit that day. Beyond general dentists, members also qualify for discounts with specialists, including orthodontists, oral surgeons, and endodontists, periodontists. Benefits include:
- Cleanings, exams, x-rays, crowns, implants, root canals, dentures, and more
- No annual limits and no waiting periods
- All patients qualified
- No pre-authorizations for treatment
- No paperwork to fill out and patients pay only the plan’s set amount per service
The HumanaOne Dental Value Plan
The HumanaOne Dental Value Plan is an affordable HMO plan that covers preventive services 100 percent with no deductible. This policy covers basic procedures such as fillings and cavities at up to 80 percent. Major dental work such as crowns and dentures are available but require a deductible to be met, and there will be certain levels of annual limits. However, the costs of services are transparent under the Value Plan, with set schedule fees for each procedure and more than 200,000 in-network providers nationwide.
HumanaOne Dental Preventive Plus
This plan allows members to choose from both in and out-of-network dentists. The Preventive Plus is a PPO plan that covers all preventive services like cleanings, exams, and x-rays with no co-payments. All services are paid in full for preventive after the deductible ($50 individual and $150 per family) is met. While there’s no waiting period for preventive services, there is a six-month waiting span for fillings, crowns, root canals, and other major care or oral surgery.
HumanaOne Loyalty Plus Plan
The Loyalty Plus Plan from Humana gives members reward perks through benefits increases for the first three years. Increases will be enjoyed on coverage and care for services such as routine exams, fillings, root canals, and much more with a one-time deductible for the entire time you stay on the plan. Other benefits of the Loyalty Plus Plan include no waiting periods and no co-payments along with the security of knowing you’ll pay a set price regardless of the dentist you see.
HumanaOne Complete Dental
The HumanaOne Complete Dental plan offers comprehensive coverage with no waiting periods for preventive services, which are covered 100 percent after a low deductible is met. When coverage for basic services kicks in, such care is covered at 80 percent, and major services like crowns, dentures, and implants will be covered at 50 percent after the deductible is met.
Humana Preventive Plus Package for Veterans
Seniors who are veterans will find this to be a great supplemental dental policy. Members are free to choose any dentist they like with a $50 per person deductible annually, and the deductible is not applicable towards discounted services. Max benefits are $1,000, but there is no preventive care waiting period, and those costs are covered at 100 percent under the Preventive Plus Package for Veterans with Humana.
HumanaOne Dental Insurance Pricing
The cost of Humana dental plans will vary both by state and the age of the person seeking coverage. Here is a sample of pricing for a 70-year-old living in Florida.
Humana Dental Plan Pricing
| Dental Value HMO | Preventive Value PPO | Bright Plus PPO</th | Bright Plus for Veterans | Loyalty Plus PPO | Complete Dental PPO | |
|---|---|---|---|---|---|---|
| Monthly Premium | $11.99 | $16.99 | $25.99 | $25.99 | $38.99 | $52.99 |
| Deductible | N/A | $50 | $50 | $50 | $150 | $50 |
| Annual Maximum | None | Unlimited | $1,250 | $1,250 | $1,000/$1,250/$1,500 (Year 1/2/3+) | $1,250/ $1,500 (Year 1/year 2+) |
| Office Visit Costs | $15 | N/A | N/A | N/A | N/A | N/A |
| Routine Cleaning and Exam | $0 | $0 after deductible | $0 | $0 | 0% | $0 |
| X-Rays | $0 | $0 after deductible | $0 | $0 | You pay 60%/45%/30% after deductible (Year 1/2/3+) | $0 |
| Fillings | As low as $30 | You pay 50% after deductible | You pay 40% after deductible | You pay 40% after deductible | You pay 60%/45%/30% after deductible (Year 1/2/3+) | You pay 20% after deductible |
| Oral Surgery | As low as $60 | Not covered | Not covered | Not covered | You pay 80%/70%/50% after deductible (Year 1/2/3+) | You pay 50% after deductible |
| Root Canals | As low as $175 | Not covered | Not covered | Not covered | You pay 80%/70%/50% after deductible (Year 1/2/3+) | You pay 50% after deductible |
| Crowns | As low as $410 | Not covered | Not covered | Not covered | You pay 80%/70%/50% after deductible (Year 1/2/3+) | You pay 50% after deductible |
| Dentures | As low as $550 | Not covered | Not covered | Not covered | You pay 80%/70%/50% after deductible (Year 1/2/3+) | You pay 50% after deductible |
Denture Coverage with Humana Dental
Most HumanaOne Dental policies offer some level of coverage for dentures, including the discount plan. However, most of the plans require a six- or twelve-month waiting period before benefits for dentures or other tooth replacement options like implants are available to policyholders. Customers interested in dentures will want to select a plan that provides discounts and coverage for both the cost of the devices themselves and the cost of fittings and routine repairs. A popular choice for denture wearers is the HumanaOne Preventive Plus Dental Plan.
FYI: Humana also offers dental insurance with vision.
Is Humana Dental Worth It?
Seniors looking for dental insurance or a dental discount plan will find an array of affordable solutions at HumanaOne. Their policies allow users to enjoy solid discounts on the dental services they need most, and many plans require no primary care provider to be chosen. Policyholders can also see specialists without the need for preapproval under most plans. Minor drawbacks include the fact that standard enrollment fees will apply, some plans have waiting periods, and there will be higher premiums for smokers.
