Simple and Honest Review on Humana Dental Insurance 2022

If you or anyone in your family is dependent on your mouth, then you need excellent and affordable dental insurance. Dental insurance can be a helping hand and save you tons of money in the long run, but how do you find the best coverage? In this article, we’ll take a look at Humana Dental Insurance and show you why it’s a good option. Keep reading to learn more!

Humana Dental Insurance Reviews: It’s Affordable!

The cost of quality dental insurance can be high, but Humana Dental Insurance is affordable. Humana actually has affordable dental plans that suits your budget with no waiting time. Below are a few examples of the plans you can get with Humana dental insurance.

  1. Preventive Value – Humana Dental offers preventive value plan, this plan offers a straightforward PPO. This actually covers preventive and basic services. In addition this kind of plan is a budget-friendly preventive care with plans starting at only $18 per month.
  2. Loyalty Plus – In terms of loyalty, Humana Insurance also offers a plan for people who are loyal to them. This plan is called loyalty plus, it includes no copays and no waiting periods. In addition, there’s an annual benefit that increases over a 3-year period. Take note that the benefits can increase the longer you’re a member. Loyalty plus plan starts at $28 per month.
  3. Complete Dental – Humana Dental Insurance also offers the complete dental plan. This PPO plan can actually help you save on basic and major services. In addition, there’s no deductibles and no waiting period for preventive care. This is a robust coverage and an affordable plan with plans starting at $44 per month.

These plans can save you more in the long run. In addition, there’s no retroactive coverage, so there’s no waiting around for coverage to starts kicking in. It simply covers services based on the plan year. You can visit Humana Dental Insurance for more information.

Is Humana dental insurance good

Actually Humana dental insurance offers both PPO and DHMO plans. This is a good option for people with unique dental care needs. The company now has an A- rating from AM Best, indicating that its financial stability is adequate.

The Humana dental network is robust and includes 13,000 locations nationwide. That’s a handful of locations in most cities. That means no matter where you and your family live, there’ll be a quality dentist in your vicinity.

It’s likely that you’re familiar with Humana, a health insurance company, but you may not know that it offers dental insurance. Humana offers affordable dental insurance, which covers a wide variety of services. Not only that, but they offer a variety of Medicare plans, too. 

There are more than 335,000 dentists to choose from across the country, but you should be aware that depending on where you live, plans, coverage amounts, and other details for each policy can vary significantly. Despite these variations, Humana stands out for its value pricing and commitment to providing 100% coverage for preventive care.

Humana Dental Insurance is the best value so far. This is due to its affordable starting prices for basic plans, 100% coverage of preventive care. Lastly the fact that some plans have a one-time deductible.

What does my Humana dental plan cover

Humana offers a variety of dental insurance plans, some of which have lifetime deductibles that are typically $50 for individuals and $150 for families, while others have annual deductibles. Depending on the policy you select, the maximum benefit amounts for this coverage can range from $1,000 to infinity. There may also be waiting periods, with a six-month minimum for basic services and a maximum of 12 months for major services.

An overview of some of Humana’s plans can be found below.

Preventive Value Plan

You’ll value the benefits of this PPO plan if you’re a budget-conscious person who understands the value of preventive dental care and maintaining your oral health with routine dental exams and cleanings. By selecting one of the more than 335,000 dentist and specialist offices within the Humana Dental PPO network, you can save even more money.

After the lifetime deductible is satisfied, preventive services are fully covered in-network. After the lifetime deductible is met, 80% of dental expenses are covered if you visit an out-of-network dentist. Among the preventive services are:

  • Routine oral exams and evaluations
  • Cleanings
  • X-rays
  • Topical fluoride treatment

Basic services: 50% in-network coverage following the payment of the lifetime deductible. Once your lifetime deductible has been met, you are 30% covered if you visit an out-of-network dentist. Basic services comprise:

  • Fillings
  • Extractions and root removal
  • Emergency care for pain relief

Loyalty Plus Plan

With no waiting periods and day-one coverage, this plan rewards your fidelity. Your advantages grow over time, and you can visit any dentist you like. Up until the third year, the plan’s payment for services increases annually. The plan allows a maximum of $1,000 per person in the first year, but by the third year, that cap rises to $1,500 per person.

Your three-year increase in the plan’s annual benefit cap is as follows:

  • Choose any dentist you like from more than 335,000 dentist and specialist locations across the U.S.*
  • Maximum annual benefit limit rises over 3 years
  • Percentage paid for basic and major services increases over 3 years
  • You can pay your premiums by mail, by phone or online
  • No waiting period on any services

Up to the annual benefit maximum, fillings, extractions, and X-rays are all covered under the basic dental services coverage.

  • 40% covered for the 1st year
  • 55% covered for the 2nd year
  • 70% covered for the 3rd year and on

Up to the annual benefit maximum, root canals, crowns, and dentures are covered under the major dental services coverage.

  • 20% covered for the 1st year
  • 30% covered for the 2nd year
  • 50% covered for the 3rd year and on

Complete Dental Plan

This policy can be appropriate for you if you are switching from the insurance provided by your employer to one of your own. Since maintenance is the major goal of this preferred provider organization (PPO) plan. You gain from already maintaining good oral health. The yearly deductible is $50 per person or $150 per family; however, if you use in-network providers for preventative care, there is no deductible.

You won’t have to wait to receive these services for preventive care:

  • 2 routine oral examinations per year
  • Cleanings per year (2)
  • 2 topical fluoride treatments per year
  • 1 limited oral evaluation per year

In-network coverage: 100% covered with no deductible (some limits apply)

There is a 6-month waiting period for these services for basic care. If a member previously had coverage for a minimum of 12 consecutive months. Waiting periods for basic services may be waived.

  • Emergency care including extractions and root removal
  • 1 filling per tooth per 2 years
  • Initial placement for space maintainers for ages 14 and under
  • Prefabricated stainless steel crowns

In-network coverage: 80% covered after paying the deductible (some limits apply)

There is a 12-month waiting time before receiving these treatments when on Major services. If a member had prior coverage for a continuous 12 months. Waiting periods for important services may be waived.

  • Oral surgery, including 1 root canal per tooth per lifetime
  • Complete and partial dentures once per 5 years, plus repairs and adjustments
  • Crowns, onlays and inlays, 1 per tooth per 5 years

Periodontal scaling and root planing, as well as periodontal maintenance (limited to two per year), are further included without a waiting period (limit 1 per quadrant every 3 years).

In-network coverage: 50% covered after paying the deductible (some limits apply)

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