Humana

• 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.

• 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.