Humana

Humana’s dental plans can be purchased along with a supplemental benefit plan. If you are in the market for both, Humana is a great company to consider as your shop for the best plan.

0 Reviews - Write Review
8.6
Grand Score
8
User Score
8.6
Grand Score
8
User Score
Visit Site

Humana is one of the largest medical insurance companies with an ever-expanding network of providers. It offers medical insurance, dental insurance and vision insurance for individuals and families. It also offers optional supplemental benefit plans (OSBs) to enhance Medicare coverage. Dental plans for seniors are available when you purchase certain Humana Medicare Advantage plans. In its drive to provide viable solutions, there are five basic dental plans and one that can be bundled with vision insurance.

Grandfolk Scoring
Cost 5/10
Deductible 8/10
Co-pay 7/10
Waiting period 5/10
Coverage 9/10
Coverage limits 9/10
Enrollment ease 10/10
Dental access 8/10
Support access 7/10
Payment 10/10
Cost
Monthly premium
Varies by state of residence
Deductible
Is deductable required?
Yes, $0-$150 depending on your plan
Co-pay
Is copay required?
Depends on plan you choose
Waiting period
Service wait period
Some plans have a 6-month waiting period for basic services and one year for major services
Coverage
Service coverage
Preventive, basic and major dental services
Coverage limits
Annual maximum coverage
Depending on plan, $1,000/year to no limit
Enrollment ease
Ease of enrollment
Enroll online or by phone
Dental access
Choice of dentists
Can still use current dentist, but depending on plan you may pay more if not in network
Support access
Access to support
Help available from 8:00 AM-8:00 PM Mon-Fri
Payment
Payments accepted
Check, credit card or automatic bank withdrawal
Age Score:
10
50-64 Years
10
65-74 Years
9
75-84 Years
9
85-Older

Humana offers 50-65 year olds excellent individual dental plans that cover preventive care including cleanings, exams and X-rays at 100% with no deductibles and no waiting period. Benefits in its Loyalty Plan increase for the first three years. The annual maximum benefit also increases. Once you turn 65 and are eligible for Medicare, you can purchase supplemental medical insurance through Humana and add optional supplemental benefits (OSBs) that include dental and/or vision to some of those plans. These plans cover routine, basic and major dental procedures. All cover routine exams and cleanings at 100%, while basic and major dental procedures are partially covered.

Health Score:
10
Poor Health
10
Fair Health
9
Good Health
9
Great Health

It is important for seniors to continue to maintain their oral health as they age. Humana provides excellent dental coverage for routine care whether you are in excellent health or declining health. Its plans provide 100% coverage for routine exams, cleanings and X-rays. But as our general health declines, our oral health will also decline. It becomes critical to find an affordable way to maintain oral health, so dental problems do not become contributors to already declining health.

Pros:

  • Humana Dental Insurance offers HMO and PPO plans for seniors 50-65. It also offers optional supplemental benefit (OSB) plans which can be added to Medicare supplemental plans you purchase from Humana. 
  • It has an extraordinary network of dentists: 225,000 around the country.
  • Its website is quite comprehensive. Some sections provide information about ways to stay healthy and answer questions you may have about some common illnesses. The website links smoking to oral health and provides resources to help you quit smoking and give it up permanently. 
  • You can reach Humana by telephone from 8:00 AM-8:00 PM Mon-Fri. 
  • The company offers a mobile app that helps you track your claims and find providers in your area.
  • If you pay with automatic bank withdrawal or credit card, you save $2 on your monthly premium. 
     

Cons:

  • You can use any dentist but, if you choose an out-of-network dentist, your out-of-pocket costs will be higher.
  • You must sign up for a Medicare supplemental insurance plan through Humana to opt for a dental plan after 65. 
  • Discounted services are only available from in-network dentists.
  • There is a non-refundable enrollment fee of $35 for some plans and $15 for others.

Bottom Line:

Humana is considered to be an excellent choice by many who compare providers. Its plans and pricing are competitive. However, you must enroll in one of its Medicare Advantage plans to enroll in a dental plan. If you already have a supplemental insurance plan, this company is not an option. But if you need a supplemental plan to cover costs not covered by Medicare, this is a great option. Humana has received several awards for its products and workplace recognition for its inclusive practices. 

Frequently Asked Questions:

How quickly can I use this insurance and for what services? Services are accessible on the first day of the month after you have enrolled. Usually, there is no waiting period for preventive care, cleanings and x-rays. There is a 6-month waiting period for basic services (fillings, extractions, etc.). Major services (periodontal work, root canals) require a one-year waiting period. 

How do I sign up? You can enroll on its website. Either request a quote by entering your zip code, or call its toll-free number to speak with a representative.

Can I keep my current dentist? Yes, Humana dental plans allow you to visit any dentist, including the one you currently visit. However, if you choose a dentist that is not in Humana’s extensive network of over 225,000 dentists, your out-of-pocket expenses will be higher. 
 

More Information:

Product Details

Overview: Humana offers several options for covering your dental insurance needs.  All of its plans cover preventive care (exams, cleanings) at 100%. Costs for plans vary depending on where you live.
 
Package Details: Humana offers four plans for seniors between 50-65 years of age, including Humana Dental Loyalty Plus plan in which benefits and annual maximum increase annually for the first three years.
 
The Humana Dental Value plan (HMO) has a set schedule of fees. After a co-pay of $10-15/visit, preventive care is covered at 100%. 

The Humana Dental Preventive Plus plan has an annual deductible of $50/person, with no maximum annual benefit. 

For seniors who are eligible for Medicare and who enroll in certain Humana supplemental insurance plans, five different optional supplemental benefit plans havae been designed to cover dental expenses. Among them are: 

MyOption Dental High PPO plan covers preventive care at 100% for visits made to in-network providers as well as out-of-network providers.
 
The MyOption Enhanced Dental PPO plan offers 100% coverage on in-network routine exams and 50% coverage on out-of-network routine exams.
 
The MyOption Plus plan offers dental and vision coverage with a $50 deductible. The MyOption Platinum Dental plan offers a $2,000 maximum annual benefit, with no deductible.
 
Add-on Services:  Humana also offers a MyOption Fitness plan, which covers fitness center membership, plus online tools and trackers.

Additional Company Details 

Contract Details: Some of the dental plans offered require a non-refundable enrollment fee. In some cases, it is $15, but usually, it is $35.

Warranty:  Your satisfaction is guaranteed. If you are not completely satisfied with the plan, you can cancel within 30 days by writing to the company.

Accreditations: Humana is accredited by the Better Business Bureau (BBB), by CORE (which standardizes information for providers), and the National Committee for Quality Assurance (NCQA).

Company Details: The company now known as Humana was originally founded in 1961 as a nursing home company by two lawyers, David A. Jones Sr., and Wendell Cherry. At that time, its name was Extendicare, Inc. In 1972, Jones and Cherry sold their company to purchase hospitals. In 1974, they changed the corporate name to Humana, Inc. They wanted the public to see them as providers of high-quality, humane care. The company’s model was to create hospitals with double corridors to minimize the distance between patients and nurses. The company is based in Louisville, Kentucky, and in 2016 had 51,600 employees and revenue of $54.3 billion. Humana has served over 13 million customers in the U.S.

Donna McDurfee - Senior Advisor

...