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3.9

Overall Score

Author: Kaitlyn Short

LAST UPDATED: February 6th, 2025

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.

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1.8

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75 Reviews

Review Breakdown

5 grade

32%

4 grade

15%

3 grade

9%

2 grade

4%

1 grade

40%

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Olden and Golden in Missouri

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.

10 months ago

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T. White

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.

5 years ago

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Gayle Jorgensen American Fork, UT

I don’t care for dental insurance because I think they charge too much and never pay good enough. I chose them because I was able to get an inexpensive policy and it only covers exams and minimal of other so I guess they are as good any

3 years ago

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Dawn R

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

5 years ago

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Tony Riverton, UT

Had Humana dental insurance a few years ago. While coverages are good if you have a lot of dental issues, we found it not worth the money.

5 years ago

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Shannon Mesa, AZ

I really liked the coverage of most of my yearly exams. I wish they would have also covered my HRT. Price just got too high to stay.

5 years ago

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Debbie Stringham Garden City, UT

I don't think dental insurance covers the many procedures I seem to need as I get older. I pay a lot out of pocket.

4 years ago