Humana Dental Insurance Plans for Seniors

As one of the nation’s largest providers of dental insurance and supplemental plans, Humana offers a variety of coverage options for individuals, groups and employers. Humana Health Insurance is headquartered in Kentucky, and they currently have policies available in all 50 states and a few US territories. However, not every plan is available in all of Humana Dental’s service areas.

Seniors will find several Humana Dental insurance plans that are flexible enough to meet the needs of those on a modest budget in addition to those who need restorative work or dentures. Humana has a senior-specific plan, a discount plan, Veteran-specific options, PPO and HMO policies with a wide range of coverage options.

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% on many dental services through in-network providers with no waiting periods. Many providers offer uninsured patients to enroll 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 qualify.
  • No pre-authorizations for treatment.
  • No paperwork to fill out—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% 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 are 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% after a low deductible is met. When coverage for basic services kicks in, such care is covered 80% and major services like crowns, dentures and implants will be covered 50% after the deductible is met.

Humana Preventative 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 $1000, but there is no preventive care waiting period, and those costs are covered 100% under the Preventive Plus Package for Veterans with Humana.

HumanaOne Dental Insurance Pricing

Human offers a number of plans with the most popular listed above. The most affordable is the HumanaOne Dental Savings Plus Discount package that isn’t insurance, but a pre-set pricing scale that members can use from day one with participating dentists to receive benefits for any service. In general, the discount plan has a $15 enrollment fee and a flat annual rate that typically averages $79 per year for individuals and around $279 for families. Regardless of the plan one chooses, they will qualify for a discount of up to $35 by combining vision and dental with Humana.

Popular plans like the Human One Dental Preventive Plus typically have a $35 enrollment fee. Premiums depend on factors such as age, smoking status, state of residence and the level and type of coverage chosen. Pricing for this plan range between $22-$40 per month for individuals, while the premium Dental Loyal Plus Plan is more expensive with ranges from $55-$65 per month for individuals. However, the increasing maximum benefits annually and the one-time only deductible of $150 per person and $450 for families makes it an appealing choice for seniors and those with dependents.

Denture Coverage with Humana Dental

Most HumanaOne Dental policies offer some level of coverage for dentures, including the discount plan. However, most of the plans require a six or twelve month waiting period before benefits for dentures or other tooth replacement options like implants are available to policyholders. Customers interested in dentures will want to select a plan that provides discounts and coverage for both the cost of the devices themselves and the cost of fittings and routine repairs. A popular choice for denture wearers is the HumanaOne Preventive Plus Dental Plan.

HumanaOne Dental Reviews

Concerning the financial strength of the company, Humana receives top ratings from organizations such as Fitch and A.M. Best. The company has also received member satisfaction rating awards from J.D. Power and Associates in numerous states. Humana Insurance is accredited with the Better Business Bureau and enjoys an “A+” rating and a 3.71 out of 5 composite score with confirmed reviewers.

The Bottom Line

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 pre-approval 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.