Humana is one of the largest insurance providers in America, covering all 50 states and offering solid financial backing. The Humana Dental Insurance is one of our top choices for the best dental insurance overall, and has an A or better rating from Fitch, A.M. Best, Moody's and Standard & Poor.
There are six plans available in total, each offering a broad range of options that can be tweaked easily online via the Humana website or app. The PPO and DHMO plans include no deductibles for ease of mind, allowing for better budgeting. Humana, one of the Best health insurance companies, also offers a dental plan for veterans, giving them even greater savings.
Humana Dental Insurance review: Overview
- In-network savings up to 45 percent
- Over 270,000 dental offices
Humana dental insurance is available individually or through a healthcare program via your employer. There is a selection on in-network dentists to give you the best possible savings but you can also use out of network options if that's easier for you. And it should be easy as you don't need a referral from your primary care dentist.
A Complete Dental plan is a nice option for those that just want to know that everything they could need is covered. But there is plenty more to pick from if that's not for you. Read on to find out what you need to know about Humana dental insurance.
Humana dental has one of the largest networks of dentists available in the US with a staggering 270,000 options across the states. What this means is that you could make a saving by using an in-network dentist but without having to travel far. Some specific treatments may require a specialist dentist.
This is where Humana does well since it has so many options, even for unique treatments you may be able to stay with an in-network dentist for the most affordable option, without going far.
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?
Humana Dental Insurance review: What's covered?
- No wait preventative
- Exams, x-rays and cleanings
Preventative services, like exams, x-rays and cleanings, from Humana are offered with no waiting period at all. By comparison some of the other more major services can have a six month waiting list. Major dental work includes root canals, crowns and dentures.
Basic service covered include fillings, extractions and emergency care. Each plan covers different levels of care with varying prices. You can see how these procedures and other services stack up against the average in our feature on what does dental insurance cover?
As with any health issue, prevention is better than cure, so make sure you are brushing your teeth twice a day with the best electric toothbrush. To maintain your smile at home, consider using one of the best teeth whiteners.
Humana Dental Insurance review: Plans
- PPO, DHMO and Savings Plus
- Six options
When it comes to learning how to find dental insurance online, Humana is one of the top providers. That's because there's lots to pick from, meaning there should be something that suits your needs perfectly.
To be clear on what follows, "Basic procedures" refers to things like fillings, extractions and x-rays. "Major services" are root canals, crown and dentures.
The available plans are:
- Dental Loyalty Plus: In and out network dentists, one time deductible of $150.
- Dental Value Plan: This HMO plan covers 100 percent of preventative services with a $0 deductible. Copays are needed for in-network basic and major procedures.
- Dental Preventative Plus: Both in and out of network dentists apply with a $50 deductible. X-rays and cleanings are totally covered with no copay. All preventative care is covered with no waiting periods although for basic procedures and oral surgery it's a six month wait.
- Dental Savings Plus: Discounts for using in-network dentists, as such this is not an insurance plan. That means no waiting periods, a quote for services and a one-time $15 enrollment fee.
- Complete Dental: No waiting periods and affordable deductibles. Preventive services are free after deductible, basic services are 80 percent covered after deductible and major services are 50 percent covered, you guessed it, after deductible.
- Preventative Plus for Veterans: Applies to any dentist in or out of network, with annual $50 deductible. No waiting period for preventive care and a six-month wait for the others. Routine cleaning and x-rays are covered totally.
Humana Dental Insurance review: User reviews
- ConsumerAffairs rating of just 1.5
- BBB rating of A+
The Better Business Bureau (BBB) gives Humana an impressive A+ rating. But since this is accredited that rating is the usual one to expect from BBB. Customer complaints on the site are at 398 with an average 3.71 out of five stars based on 45 customer reviews.
ConsumerAffairs gives a score of 1.5 stars out of five based on 150 customer reviews. Positives include great customer care and assistance while negatives are about lack of statewide coverage and denials of care.
For highly rated providers, read our Guardian Direct Dental Insurance review, and our MetLife Dental insurance review. The latter is a good choice for family coverage.
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.
