Wednesday, June 15, 2022

How Good Is Humana Dental Insurance

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Humanaone Loyalty Plus Plan

Affordable Dental Insurance with the Coverage You Need | Humana

The Loyalty Plus Plan from Humana gives members reward perks through benefits increases for the first three years. Increases will be enjoyed on coverage and care for services such as routine exams, fillings, root canals, and much more with a one-time deductible for the entire time you stay on the plan. Other benefits of the Loyalty Plus Plan include no waiting periods and no co-payments along with the security of knowing youll pay a set price regardless of the dentist you see.

Humanaone Dental Value Plan

This plan focuses on preventive care and maintaining your dental health. Choose your primary care dentist when you apply, and see that provider as often as you need to. There are no maximums, no deductibles, and no waiting for coverage. Most diagnostic and preventative services will not cost you anything.

The Dental Value plan can save you money on common services performed by your primary care dentist, including regular office visits, exams, X-rays, fillings and extractions. See the Dental Value Plan rate sheet for details.

Note: Residents of the states of Florida, Indiana, Ohio, Kansas, Missouri, Tennessee and Texas are eligible for a slightly different version of the Dental Value Plan. If you live in one of these states and want more information, please read the rate sheet of this HumanaOne Dental Value Plan.

Humanaone Dental Savings Plus Discount Plan

This is the simplest and most affordable dental program offered by Humana, and the Savings Plus is a discount plan as opposed to traditional coverage. Typically, members pay a set price per individual, per couple, or per family to enjoy immediate discounts of up to 40 percent on many dental services through in-network providers with no waiting periods.

Many providers offer enrollment to uninsured patients in HumanOne Dental Savings right in their office to cover expenses for their visit that day. Beyond general dentists, members also qualify for discounts with specialists, including orthodontists, oral surgeons, and endodontists, periodontists. Benefits include:

  • Cleanings, exams, x-rays, crowns, implants, root canals, dentures, and more
  • No annual limits and no waiting periods
  • All patients qualified
  • No pre-authorizations for treatment
  • No paperwork to fill out and patients pay only the plans set amount per service

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Can You Negotiate The Cost Of Dental Care With A Dentist

Its also worthwhile to speak directly to your dentist about ways you can save on procedures and routine care. Many dentists offer payment plans or a discount if you pay the total cost upfront. They may also be able to adjust treatment plans to make them more affordable.

Some dentists also offer membership programs. For an annual fee, patients are entitled to free or low-cost routine procedures, such as cleanings and exams. Many programs also offer discounts on more expensive procedures.

Best For No Waiting Periods: Spirit Dental

Get Humana Dental Insurance Online

Spirit Dental

  • Coverage Limit: $5,000 after 3 years
  • States Available: 50

We chose Spirit Dental because its plans dont require any waiting periods and you have to pay a $100 deductible only once instead of every year.

  • 100% coverage for three cleanings and two exams annually

  • No waiting periods

  • Annual coverage maximums can be as low as $750

  • Plans vary widely on annual maximums and costs

Spirit Dental offers dental insurance plans with no waiting periods and annual maximum benefit amounts that increase after youve had your plan for a few years. It guarantees acceptance for everyone, and you even can get coverage for major services and dental implants.

Spirit Dental is offered through Ameritas Life Insurance Corp., which has an A+ rating from Standard & Poors and an A rating from AM Best for financial strength. Spirits partnership with Ameritas also means this company works with one of the largest networks of dentists worldwide. Currently, you can choose from 111,500 dental providers at 428,000 access points nationwide.

Along with having no waiting periods, Spirit Dental charges a one-time $100 deductible, compared to the annual deductibles most coverage providers charge. Spirit offers several dental insurance plans for individuals, featuring preventive coverage, three cleanings per year, orthodontics for kids, and no waiting periods, with up to a $5,000 annual maximum benefit after youve been a customer for three years.

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Humana Dental Insurance Review: Cost

  • Prices start at around $20
  • Six payment plans available

Coverage options: PPO, DHMO and vouchers

Plans available: Six

Snapshot: In-network savings up to 45 percent

Pricing will vary by state but you can expect most to start at around the $20 mark for decent coverage. But, again, it all depends on the plan options that you go for and if you want to use things like a family saving. Or for veterans there are savings to be had for a specific plan there.

If you want to combine your dental and vision insurance you can also make savings so that’s worth thinking about if and when you sign-up. You can see how this stacks up generally in our feature on how much does dental insurance cost?

Are Video Visits With A Dentist Online Covered By Humana

Most insurers provide coverage for video visits at the same cost as in-person visits. You can search on Zocdoc specifically for Dentists who accept Humana for video visits by selecting your carrier and plan from the drop-down menu at the top of the page. We recommend you check with your insurance carrier directly to confirm your coverage and out of pocket costs for video visits.

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What Is The Best Dental Plan

Affordable Dental Coverage | Humana

So which dental plan should you choose?

The biggest factors for choose dental insurance include:

  • Your budget
  • Where you live
  • Extend of coverage options

My top three choices are Delta Dental, Cigna or Humana dental insurance plans. But your comparison may lead to a different choice thats better for your personal needs.

Check with several providers to compare the monthly cost and coverage options. You will receive free quotes to find out what best dental insurance plan works for you.

If you still arent sold on the best dental insurance plans there is another option known as dental savings plans.

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How Can I Make A Same

On average, patients who use Zocdoc can search for a Dentist who takes Humana insurance, book an appointment, and see the Dentist within 24 hours. Same-day appointments are often available, you can search for real-time availability of Dentists who accept Humana insurance and make an appointment online.

Does Humana Dental Cover Dental Implants

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Keeping this in consideration, what does Humana cover for dental?

Our dental plans offer coverage ranging from help with your basic dental needs such as routine cleanings and exams, X-rays, and fillings to more serious procedures, including extractions, root canals, crowns and dentures.

Subsequently, question is, does MassHealth cover dental implants 2019? Currently, MassHealth covers fillings for the most visible six front teeth on the top and bottom, as well as extractions of all teeth. Starting in January, coverage will expand to include fillings of all teeth, but implants will still not be covered nor will dentures, root canals or crowns.

In this manner, is Humana good dental insurance?

Best for Discounts: Humana Dental Insurance. Dental Loyalty Plus: Ability to choose any network or non-network dentist. Full coverage of preventive services. 40% coverage in first year, 55% in second year, and 70% in third year and beyond for basic services.

Is Humana better than Medicare?

No Medicare and Humana are not the same. Humana is one of the largest private insurance companies that provides, along with other products, Medicare Advantage plans and Medicare Part D prescription drug plans.

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Humanaone Dental Preventive Plus

This plan allows members to choose from both in and out-of-network dentists. The Preventive Plus is a PPO plan that covers all preventive services like cleanings, exams, and x-rays with no co-payments. All services are paid in full for preventive after the deductible is met. While theres no waiting period for preventive services, there is a six-month waiting span for fillings, crowns, root canals, and other major care or oral surgery.

What Are The Expected Costs Of Dental Insurance

Humana Dental Insurance Plans for Seniors

The cost of dental insurance varies widely depending on where you live, your age, and the plan you select. However, it may be possible to find a plan that costs less than $20 per month for an individual depending on your state and county.

Less expensive dental insurance plans tend to cover only a small percentage of services and come with low annual benefit limits. More robust plans can easily cost more like $40 to $60 per month for an individual, although youll get more coverage, higher annual benefit amounts, and more included services in return.

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How Much Is Dental Insurance

The cost of dental insurance depends on these factors:

  • Plan type
  • Provider
  • State of residence

Policyholders pay monthly premiums for their coverage, but thats not the only factor to consider when evaluating the cost of dental care. Look at deductibles, copays, coinsurance and annual limits to determine just how much you will pay for your dental care.


Dental plans premiums range from $17 to $96. Plans with the lowest premiums focus on 80% to 100% preventive coverage, with minimal or no coverage for basic and major procedures. Plans with high premiums tend to have low deductible rates and comprehensive coverage for preventive, basic and major work.


A deductible is the amount of money a policyholder is responsible for paying before their insurance coverage kicks in. In dental insurance, annual deductible rates are usually set at $50 per person and $150 per family.

Other policies charge a one-time deductible. These tend to have higher rates and a higher deductible , but the policyholder only needs to meet it once instead of annually.


After you meet your deductible and your insurance coverage kicks in, youre still responsible for a portion of your dental care. This is called coinsurance. Consider a policy with 80% major work coverage: this means that insurance pays 80% of the procedure and the policyholder is responsible for paying the remaining 20%.


Annual maximum limits

Cost of common dental procedures

Is Humana Dental Insurance Good

Humana maintains a strong reputation for dental insurance. Many plans that include dental coverage offer 100% coverage of preventive dental care such as routine teeth cleanings.

Humana offers a variety of dental plans to offer something for everyone, and most plans feature no waiting period for coverage. Learn more about Medicare Advantage plans in your area and find out if any Humana plans are available that are accepted by your dental provider.

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Best Overall: Delta Dental

Delta Dental has been in business for 70 years and has focused exclusively on dental care. It has an extensive network that includes 3 out of 4 dentists in the country, so its easy to find a great provider.

It offers online tools to make it easy to manage your plan. Premium plans include 50% coverage for crowns with a relatively short waiting period 6 months.

Best For
  • Wide range of plan and pricing options
  • Transparent pricing
  • ACA and non ACA plans available

How Does Medicare Cover Dental Care

Affordable Dental Plans You’ll Smile About | Humana

Original Medicare does not typically cover routine dental care.

Many Medicare beneficiaries turn to Medicare Advantage plans like the ones offered by Humana for their dental care. These plans provide all of the same benefits as Original Medicare while also typically offering additional coverage for things like dental and vision care, prescription drugs, gym memberships and more.

The dental benefits included in a Medicare Advantage plan may vary from one plan to the next, and the cost of plan premiums, copays and coinsurance may also vary. Some plans may offer an annual or quarterly allowance for costs related to dental care, while some plans may cover specific dental services.

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Should I Buy Humana Dental Insurance

Humana dental insurance offers a great range of plans with six in total, one specifically helping out veterans with a good deal. That means money saving both for in-network and out of network dentists, but with a network of over 270,000 dental offices you’ll be likely to find one near you.

We’d also recommend looking at our Physicians Mutual review and Delta Dental review for other providers with large networks.

Humana offers PPO, DHMO and discount plans so there should be something for everyone. The company itself is well rated by BBB although there are complaint reviews out there too. But for nationwide coverage, decent prices and a wide range of options this is a real contender.

Is Humana Dental Worth It

Seniors looking for dental insurance or a dental discount plan will find an array of affordable solutions at HumanaOne. Their policies allow users to enjoy solid discounts on the dental services they need most, and many plans require no primary care provider to be chosen. Policyholders can also see specialists without the need for preapproval under most plans. Minor drawbacks include the fact that standard enrollment fees will apply, some plans have waiting periods, and there will be higher premiums for smokers.

Amie Clark

Amie has been writing about senior care products and services for the last decade. She is particularly passionate about new technologies that help improve the quality of life for seniors and their families. Seeing her parents and grandparents age made Amie ask herself, Would this be good enough for my loved ones? In her spare time, Amie enjoys outdoor adventures and spontaneous road trips. Learn more about Amie here


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Humana Dental Insurance Complaints

When it comes to customer reviews, Humana fares a little below average as compared to other dental or health insurance companies. Most reviews are against the providers slow customer service. The company has a complaint index rating of 1.82 in the National Association of Insurance Commissioners . The average complaint index rating is 1.

On the other hand, Humana BBB rating stands at an impressive A+. Even though the number of complaints is high, the company tries to resolve the issues with its customers.

In addition, Humana is very financially strong and is able to pay customers their claims over the long-term, which can be seen through Humana AM Best rating which is A .

Moodys Investor Service rated the insurance provider A1, which is an upper-medium rating subject to low credit risk. Standard & Poors gave it an A+ rating while Fitch gave it AA- or a very strong rating.

It was also awarded the Highest Member Satisfaction among Commercial Health Plans for Texas, North and South Carolina, and Georgia by J.D. Power and Associates.

The Pros

The Cons

  • Not every dental plan covers orthodontic procedures.
  • Not all plans are available in all states.
  • There is an enrollment fee, though it can be waived if you fulfil certain conditions.
  • Does not cover sealants for patients over 14 years of age.

What Is A Dental Savings Plan

Georgia Dental Insurance Humana One Dental and Vision ...

Dental savings plans offer subscribers major discounts on dental care by participating dentists. Subscribers pay a low monthly fee and can receive discounts of up to 60% on routine procedures.

Saving plans are offered by many well-known healthcare companies, such as Cigna or Aetna. Some dental practices also offer their own plans to patients.

Dental savings plans should not be confused with dental insurance plans, which function like traditional medical insurance. The AARP has a good primer on understanding the difference between the two on its website.

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Metlife Dental Insurance User Reviews And Ratings

Compare MetLife Dental Insurance against other providers using You’ll get multiple quotes to compare dental plans that better suit your needs and budget.

  • Rated A+ at Better Business Bureau
  • Scores 4.4 via Consumers Advocate

Like a lot of the big dental health insurance companies, MetLife has is rated A+ at the Better Business Bureau, and has a 4.4 star rating at Consumers Advocate. That said, reviews are a mixed bag across different websites, and it seems as though customer service is at the heart of both the positive and negative reviews.

Some praised the service received, while others were frustrated with long wait times on phones, and lack of payments where cover was allegedly not fairly dealt out.

Positive reviews on ConsumerAffairs stated that, ‘There was never an issue with claims processing,’ and that the policy was, ‘an add on to my existing health insurance through my employer. The value was great.’

  • Customer service issues for some
  • Some report delays to bill payments

Guardian Direct Dental Insurance is a division of Guardian Life Insurance Company of America, which is one of the biggest mutual insurance companies in America. The provider holds an A+ rating with the Better Business Bureau, plus premium ratings for financial strength and stability.

The Guardian Dental website offers three step-by-step mini Q& As to help you find the right dental coverage. Just answer the questions to get a hassle-free quote.

How Can You Take Care Of Your Teeth If You Cant Afford To See A Dentist Regularly

Good dental hygiene can go a long way in keeping down your dental costs. Brushing and flossing twice a day not only helps prevent cavities but also maintains healthy gums.

Taking care of your gums is just as important as caring for your teeth. Thats because severe gum disease has been linked to:

  • Heart disease

  • Infections

  • Other serious illnesses

Even if you brush and floss regularly, dentists still recommend an exam at least once a year to screen not only for tooth decay but also gum disease and oral cancer.

You can also help keep dental problems at bay by:

The American Dental Associations Mouth Healthy website has a wide variety of articles and tips on how to maintain a healthy smile at any age.

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