Humana Dental Insurance Review
Dental health is related to good overall health. Problems that start in the mouth can lead to problems such as cardiovascular disease and pregnancy complications. Regular brushing and flossing is crucial—as are regular dental checkups and flossing.
Humana offers a variety of dental insurance plans that can take some of the financial advantage out of routine dental maintenance and more complex procedures. Read on to learn more about Humana dental insurance plans.
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Summary
Provider Network: Humana has one of the largest provider networks in the country, with more than 335,000 dentists and professionals across the United States.
Plans and Coverage: Humana offers six dental plans for the individual buyer, as well as a dental program and discounts for veterans.
Customer Service: Humana representatives are available through our online chat tool, with different hours based on factors such as location. You can also ask for help on Twitter or by phone. In most areas, phone lines are open from 8 a.m. to 8 p.m. local time.
which we like
large provider network
A large selection of plans to consider
It has a convenient mobile app that allows you to retrieve your ID, view your latest requests and locate service providers nearby
What we don't like
Many negative reviews from customers about the Better Business Bureau (BBB)
Not all plans are available in every state
Provides limited customer service
About Humana
Humana Corporation, founded in 1961, is headquartered in Louisville, Kentucky. It offers a variety of insurance products, including:
Medicare
a dentist
A vision
Medicaid
Against
Humana is accredited by the Information Sharing Operating Rules Committee, which sets standards for information that insurance companies send to providers and aims to reduce costs, improve accuracy in claims payment and reduce administrative hassles. The company is accredited by the National Committee for Quality Assurance, which works to promote transparency, accountability and best practices in health care plans.
Humana Dental Insurance Plans
Depending on where you live and your age, there are up to six dental insurance plans to choose from. There is also a dental discount plan, which is not insurance, and an experienced dental discount program.
Here's more information on the six basic dental insurance plans. (For complete plan details and coverage limits, contact Humana or a licensed insurance broker.)
Bright Plus Dental Plan
Type: Preferred Provider Organization (PPO)
Protection services: 100% covered when connected to the network; It includes two oral exams and routine cleanings each year and one set of x-rays per year.
Basic services: 60% covered when connected to the network; Includes immediate care for pain relief and two fillings per year
Extras: $100 per year for in-office teeth whitening
Annual discount: $50 for an individual and $150 for a family discount
Available States: Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania Texas, Utah and Wisconsin
Dental Plus Loyalty Program
Type: PPO
Annual maximum: $1,000 per year; $1250 for second year; $1,500 for the third year and beyond
Basic services: including fillings, extractions and x-rays. Coverage: 40% first year, 55% second year, 70% third year and beyond
Main services: These include root canals, crowns and dentures. Coverage: 20% first year, 30% second year, 50% third year and beyond
Available States: Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Jersey, Mexico, North Carolina, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming
Dental Value Plan
Type: Dental Hygiene Maintenance Organization (DHMO)
Annual limit: none
Preventive services: fully covered with no deductible; Includes exams and cleaning
Basic Services: Paid according to fee schedule. Includes fillings, extractions and x-rays
Annual deduction: none
Available States: The HI215 Dental Value Plan is available in Florida, Missouri, Ohio, Tennessee, and Texas. Another option, the Dental Value C550 plan, is available in Georgia, Illinois and Kentucky
Preventive plus dental plan
Type: PPO
Annual limit: $1,000 per person
Preventive services: 100% covered; Includes exams and cleanings
Basic services: covered by 50%; On