Humana Dental Coverage Options and Policies
Humana simplifies dental visits with low co-pays, a wide choice of dentists, and the ability to see a specialist without the need for a referral. Here are some top dental policies offered through Humana.
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 plan’s set amount per service
The HumanaOne Dental Value Plan
The HumanaOne Dental Value Plan is an affordable HMO plan that covers preventive services 100 percent with no deductible. This policy covers basic procedures such as fillings and cavities at up to 80 percent. Major dental work such as crowns and dentures are available but require a deductible to be met, and there will be certain levels of annual limits. However, the costs of services are transparent under the Value Plan, with set schedule fees for each procedure and more than 200,000 in-network providers nationwide.
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 ($50 individual and $150 per family) is met. While there’s 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.
HumanaOne Loyalty Plus Plan
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 you’ll pay a set price regardless of the dentist you see.
HumanaOne Complete Dental
The HumanaOne Complete Dental plan offers comprehensive coverage with no waiting periods for preventive services, which are covered 100 percent after a low deductible is met. When coverage for basic services kicks in, such care is covered at 80 percent, and major services like crowns, dentures, and implants will be covered at 50 percent after the deductible is met.
Humana Preventive Plus Package for Veterans
Seniors who are veterans will find this to be a great supplemental dental policy. Members are free to choose any dentist they like with a $50 per person deductible annually, and the deductible is not applicable towards discounted services. Max benefits are $1,000, but there is no preventive care waiting period, and those costs are covered at 100 percent under the Preventive Plus Package for Veterans with Humana.