Humana Logo
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30 User Reviews

5.5

Overall Score

LAST UPDATED: July 20th, 2021

Humana is a well-known health insurance provider. Humana was founded in 1961 in Kentucky. Over the years, Humana has grown. In addition to health insurance, Humana offers dental, vision, and life insurance.

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The Good

  • Five Dental Plan Types
  • Great Website

Five Dental Plan Types

There are five Humana dental plans, each offering different kinds of benefits:

  • Dental Value
  • Dental Loyalty Plus
  • Dental Preventive Plus
  • Dental Savings Plus
  • Complete Dental

Humana’s Dental Value plan covers preventive services 100 percent after the copay. It also offers discounts when patients receive dental services from an in-network provider that are as high as 25 percent. There are no waiting periods.

Humana’s Dental Loyalty Plus plan offers in-network dental coverage for 100 percent of preventive care, 40-70 percent of basic services, and 20-50 percent of major services. The percentages increase to the maximum indicated at the third year of being on the plan. There are also no waiting periods.

Humana’s Dental Preventive Plus plan offers 100 percent coverage for preventive services and 50 percent coverage for basic dental care after the deductible is met. It also provides in-network discounts for major dental work, like oral surgery. There is only a six-month waiting period for basic services.

Humana’s Dental Savings Plus plan does not have any waiting periods. It covers cleanings and exams at 20-40 percent. It also allows its members access to in-network discounts for basic, major, and orthodontic services. It even has discounts for prescriptions. This plan offering is great for those looking at dental savings plans instead of more traditional dental plans.

Humana’s Complete Dental plan offers the most comprehensive coverage. Preventive services are covered at 100 percent. Basic services are covered at 80 percent after the deductible is met. Major services are covered at 50 percent once the deductible is met. There are waiting periods of six months for basic services and one year for major services. These waiting periods can be waived with proof of prior insurance.

Great Website

Customers can receive quotes, view dental benefits and plan availability, and find in-network dentists on the Human website. Since many of Humana’s dental discounts are only available in-network, this is a useful tool.

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The Bad

  • State to State Variability

State to State Variability

Plan availability varies depending on your location. It is easy to see what Humana offers in your state on the Humana website.

Premiums also vary. Interested consumers can receive online quotes of what they must pay for a plan on the Humana website.

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The Bottom Line

It is important to take care of your dental health because it impacts other aspects of your overall health. Humana has good dental plan options, which makes it easy for customers to find quality dental coverage or a great discount plan that fits their budget.

Be sure to check Humana’s dental network if you already have a regular dentist. It’s also important to see what Humana offers in your state and the premium costs available.

Humana is a reliable insurance provider and customers can sign up for a health plan in addition to dental insurance.

View Best Dental Insurance Companies

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Star Rating

4.1

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30 Reviews

Review Breakdown

5 grade

47%

4 grade

30%

3 grade

17%

2 grade

0%

1 grade

7%

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Harish Kumar Kothasunku Nashville, TN

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.

2 years ago

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Todd Martin Nicholasville, KY

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.

1 year ago

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