Humana

I have a 3 fold answer here. We have a PPO which includes Medical, vision, hearing and dental. We have tried to use the dental in the past for simple things like an xray and reglue of a loose crown and been denied ANY coverage. (Not even a percentage) So at the end of 2023 I called our local Humana rep to find a better dental policy because the current one wasn't worth the paper it was written on. She asked for the policy nilumbe and looked it up only to report it was I deed very good coverage. 3000 in an account to use however needed toward noncosmetic dental services. We did get a comprehensive list of in-network providers in a 4 County area only to find out it was severely outdated (several years outdated) so those 117,000 dentists on that list as if the end of 2023......I'll bet 40% or more have moved on. So we went to an oit of network provider when we were assured our fees would be covered. And they were much to our happy surprise. In rolls 2024 ( 45 days difference from service dates in 2023) We received a new updates of coverages for 2024 over 2023's with comparisons. 2024 according to our Humama Rep, was the same across the board coverage with an additional 1000 available. Out if network coverage was the same because there is a shortage of innetwork providers. It all flies apart when I get predeterminations and denials in the mail for services already provided AND COVERED IN FULL in 2023 for 2 different teeth. The next 4 teeth are covered at less than 50% but no one can tell me why. I have spent a couple hours on the phone with customer service and she finally gets it but can't answer me as to what the problem is or how to fix it. All I know is the coverage amounts are the same (0$ copay) for crowns in or out of network, yet I have a 55% COPAY. Their terminology in the booklet is Copay. The terminology used over the phone by them was ' out of network, amount due by policy holder'.. My 2024 summary of benefits and disclosures shows no asterisks telling me there is fine print to go read somewhere. That the 0$ copay isn't really 0$ copay. That there is a penalty for out of network users even though their literature states quite the contrary. The other part of this review is their medical coverage. It is out of this world. 2 life threatening hospitalizations both with extensice surgeries and our out of pocket expenses were next to nothing. Including transport by ambulance from 1 hospital to another for critical Care. That part of the policy has been a literal lifesaver. My concern is their contracted amounts are so very small, almost shamefully small, I cant help but wonder if hospitals will begin dropping them. This also includes a lung cancer scare that came up from a preoperative chest xray. We have seen good Dr's and gotten good care and 1/4 rly screenings for a very affordable copay. The 3rd part is the hearing aid provisions. There is a copay. 299 per ear for the best aids available. Blue tooth included. After more than 2 decades going without, I didn't realize what I was missing. I am hoping the dental problems get solved. Customer service has been comprehensive and friendly. I believe there has been a huge mistake made when the company reprinted their 2024 updates. Will they honor their word? Let's find out. I will be without the ability to chew if not. Thank you for your time.

I signed up for the c550 plan . Went to great expressions first cleaning was $440 for deep cleaning not covered. Then crown filling month. Not covered didn't pay a penny. I paid $880 now getting bill $350 since Humana didn't pay anything. I filed a complaint with the GA attorney general against great expressions but after 6 months I get a statement today showing that Humana paid $0 so calling Monday to find out why Humana didn't pay a penny and then cancelling my dental insurance and signing up with Delta dental.

On January 18, 2024 I contacted Humana Dental Insurance Company to get an estimate (they call it a predetermination) for a routine dental visit since my dentist is out-of-network. My dentist supplied the exact insurance codes and charges to Humana. On February 26, 2024 Humana informed me that the predetermination showed that Humana would pay 100% of my dental visit. I wanted documentation in writing that showed I would owe nothing and had the representative email me the predetermination EOB showing that I would owe nothing which I received. The agent also gave me a case reference number. In the notes for the call she documents that I was told repeatedly that I would owe nothing. I went to the dentist on March 25, 2024 and had the exact procedures as submitted in the predetermination. The dentist billed the exact same amounts from the predetermination. The claim was processed on March 31, 2024 and showed that I owe $52. I called on April 1, 2024 and spoke to an agent who could see that I had been told I would owe nothing (see case reference number above) but said I would need to complete the Grievance Form in order to get the claim corrected. As a member I have spent hours on the phone with Humana and the dentist office to ensure that the predetermination would be correct. I was assured repeatedly by Humana that I would owe nothing. Yet the claim was processed in conflict with the predetermination despite the predetermination having the exact same information. What good is getting a predetermination if the claim gets processed with a different result despite the information being the same? I have filed a grievance with Humana but still had to pay $376 out-of-pocket and am waiting for Humana to honor their estimate and refund me the entire $376 I paid.

Really loved this insurance provider I was able to get all my needs taken care of. They have very reasonable monthly premiums. They’re plans for vision and dental are very good for what I need

Dental insurance is a must in life today. The cost of procedures is huge if you don't have it. Humana Dental works great for me and they cover a great many things so I don't have to worry about being covered. Be it a tooth ache or cleaning, they never let me down. Thanks!!

Cancelled me without so much as a letter or phone call when we forgot our card had expired on automatic payments; paid to reinstate with a fee later. I had to have an emergency tooth extraction, which I was sent a bill for from Humana. They later called my dentist stating that my insurance had been cancelled at the time of the removal and demanding the money back. Absolutely atrocious company with terrible customer service and communication. Liars.

Terrible insurance company. Everytime I have a dentist appointment they give the dentist the run around and 99% of the time they make me have separate insurance even though we bought the family plan. Definitely will be switching dental insurance. My dentist recommends Delta dental. I heard they are really good and don't give problems like Humana does.

False Advertising - Don't do it. Off Shore customer service. You can barely understand them. I get different answers every time I call. They look for ways to deny coverage. Humana Dental advertises that there are no waiting periods if you had 12 months of continuous coverage. We had coverage for 15 years. It ended on the 31st of the month 2 weeks later we selected Humana, particularly because we were told that there were no waiting periods. The representative told us that we qualified for no waiting period. Then 6 months later, when my daughter needed surgery, Humana declined to pay our claim saying that we did not have continuous coverage. They are a fraud. It was a bait and switch.

Humana dental is one of the best dental insurance plans that you can get on a budget. They have great coverage all the way from a checkup to a root canal. You can't go wrong with Humana.

My insurance company closed and Humana bought their policies. OMG what a mistake. We had GREAT insurnce with Delta Care and Humana can't hold a camera to them. No copay for off visits, now $15. $20 to the specialist, now $40. Humana did call me to see how I liked the specialist who pulled my tooth and I told them he was okay. When they asked what my copay was I told them $50 and that's when I found out it should only be $40. She called them while I held on the phone and they said that extra $10 was for rubber gloves, glasses or face shields, anything they use on only one patient. And a portion goes towards lab coats. I went back to my PCP dentist for my consult on what to do next and they charged me $129 on my way out. I told them I didn't pay for consultations and they said this was an extended consult. And they want me to get a deep cleaning. With my insurance (Humana) its $700....that's my copay. No thank you. I changed dentists.

Both of my parents have a good experience with Humana. Their insurance cover dental. The dental coverage allowed 2 cleanings a year and some common dental procedures that are enough for both of them. They are happy with their coverage.

Went to two dentist this year the first one wasn't interested in helping me they just wanted me to receive dentures 10 months later Went to an in network 2nd dentist and they have helped me, Humana did not, I still had about 850.00 left in the plan, out of 3 procedures done on the day of my dentist,Human only paid the Prophylaxis part, the xrays weren't covered which I can understand because I had it done earlier in the year, but a full mouth evaluation was also denied, the most important of all so I'm stuck paying this bill, my new dentist is also in network.Humana failed me, steer away!

Humana dental is atrocious. They started to denying my claims stating out of network provider. My dentist is still listed on their website as in network provider. Have been attending to dispute claims for months. Customer service can’t answer anything. I’ve asked to speak with a supervisor multiple times and they tell me it could take 24-48 hours. However nobody ever calls me back. I may in process of filing a complaint with state

One of your sales representative sold me a supplemental dental plan for $40 a month. He said that the additional coverage would be $2,000. To avoid any misunderstandings, I had him repeat “ADDITIONAL “ coverage. When it came time to pay, Humana simply said “Sorry “, the “Additional “ coverage is not really additional, it replaced what you originally had. The are standing by a dishonest sales rep, Steve G, and to this day, they have not paid the increased coverage. Be careful when you are dealing with Humana

Beware: We signed up for Humana Dental Smart Choice on the AHCA Marketplace. IT WAS A MISTAKE! After 4 phone calls over 2 days, I finally was able to reach someone I could understand and that could understand me, to conclude the plan highlights listed for Humana on the Marketplace search, IS VERY MISLEADING AND HIDES CLEAR DENTAL PROCEDURES THEY DO NOT COVER. In the highlights, it says Maximum Out of Pocket is $375 per person. Not until you dig far down into the details can you find WRITTEN VERY CONFUSINGLY that this does not apply to root canals, bridges and crowns. It turns out, this insurance plan does not cover those in any possible way. Even though, I would consider those dental procedures and you would consider those dental procedures, Humana does not consider those dental procedures. Thus a $1100 crown repair I needed is not reduced, limited or affected in any way by this Humana Dental coverage plan, we wasted money on.

Humana saved us a lot of expense when my wife had to have a bridge and several crowns fixed and replaced. The in-network dentist just happened to be one we already used.

Terrible insurance. The rep lied about coverage. Dental insurance is essentially a scam. Ask for cash price when going to dentist and compare that against your deductibles and policy premiums see which is better.

They cover almost nothing. But last year they covered filling and extractions. Now I have to pay almost full price for everything. Why am I paying for almost no coverage. Go to delta dental. They'll probably actually cover the things that they say they do. Give you 0 stars

Absolutely horrible customer service. I was hold for over an hour, when the automated line said it would be a 15 min hold. During the course of my 10 minute call I was hung up on. I'm employer calling on behalf of my employee, this should never happen.

Tried asking for a supervisor to help solve a problem that has been an issue for more than 6 months. As soon as they would transfer me and put me on hold they would hang up the call. Now the claim that has to be done within a 12 month span has less that 4 months for them to see all the corrections they have made. Would not recommend this insurance to ANYONE

I used Humana for several months and wish I never did. I signed up for coverage over the phone and was given my monthly rates and then when I went to my doctor after confirming with Humana they cover that doctor I was told they didn't. I felt manipulated.

I spoke with a Humana Dental customer service representative yesterday (3/21/23) and he told me the approval for the predetermination for a crown was good forever even though I asked if it was good for 30, 60, or 99 days. My dental office also called Humana yesterday and was told the predetermination was only good for 3 months . Humana reps don’t know what they are doing!

I have Humana DEN 377 plan and while my plan covers Periodontal Maintenance (Cleaning) my claim was rejected because I had my cleaning before the 94 day waiting period between Periodontal Surgery and my Cleaning. In some fine print in some obscure document this information is written. Nothing about this in the documents that I received. I will NEVER Trust Humana again to pay for what they say they will cover!!!!!!!!!!!

Humana Dental was a terrible experience. After waiting the required almost two month waiting period and waiting for time for a cleaning, I tried to schedule with the HMO Dentist they signed me up with only to receive no return calls after 3 attempts. After Humana agreed to let me bypass the waiting period for a dentist change, Humana signed me with 2 other Dentists that would also not accept the Humana HMO Dental. No Dentists in our area accept it and we paid 8 months of premiums before learning this due to their waiting periods and fraudulent online provider list.

My company changed dental insurance coverage for their employees and why they picked Humana, I'll never know. The copays were high, the reps weren't the friendliest people I'd ever talk to, the dentist charged me an extra $10 copay to cover the cost of his clear glasses and rubber gloves and who knows what else. The consultation was supposed to be included but when I left the office and they said $129, I asked about the "no deductible" clause and was told this was more of an extended appointment. I still have the insurance but also purchased my own since the company was paying for Humana.

I am currently using this company for my health care insurance coverage, customer service is excellent, my claims are easy to file.

I took Humana dental policy for deep cleaning. They promised me for 100% coverage but when I went to the clinic, they told me I can get some discount(20%) but will not cover 100%. I called Humana to cancel my policy, again they promised me for a full refund including one-time payment and canceled my policy. But I never got my refund. I called them again, they are rude and doesn't answer our questions. I really had the worst experience with Humana with the dental service and customer Service.

Prices are reasonable. Need to communicate with their customers . Send out more information about claims when they are filed , letting the customer know how much they as re going to pay or not pay.

Just found out my policy covers nothing but twice a year cleaning. I would pay less out of pocket. Stay away from this company. Absolutely ridiculous coverage.

Very misleading information as extractions verses simple extractions something that was not distinguished in getting the value preventive plan. I'm just mad nothing was covered at all in four extractions I had done!!!

Don't waste your money. Over last 2 years they continue to find reasons to deny your dental claims. You don't even get insurance discount rates. I have been stuck with over $6,000 in preventative dental care for me and my granddaughter. Please, please use another company.

As for dental insurance, horrible! We used the Humana "compdent" plan. They did not pay my provider for 2 months, so he had to drop them. Very few dentists around will work with them. Our workplace had to change insurance companies.

In my work he give too used because he change the plan and this cover more for my doctor and medicine sweet !!!!

I like Humana. Decent coverage and providers. Easy to use. Not overly expensive. Good customer service.

They are great at covering your visits but if you need a pre approved service they are slow.

Good Dr.''s, prices are fair, good value, wish the price of dental work wasn''t so expensive and there were more low cost places for the poor to go

Not always good but have to pay each time after services. Insurance doesn't cover much of any service