Best Humana Dental Insurance
Updated November 21, 2023
Why Invest in Dental Insurance?
If your finances are tight and you are generally in good health, then health insurance might seem like a luxury you can live without.
This is especially true for dental insurance, which is often seen as something that is nice to have, but not a necessity.
The reality, however, is that dental insurance can provide peace of mind and security. It can help to know that if you develop a problem, you can seek treatment without needing to worry about how you will pay your bills.
Knowing that you won’t have to live with the discomfort that toothache can bring will often help to provide comfort and reassurance when there are already plenty of other things in life to worry about.
Dental insurance can cover everything from routine hygiene treatments to complex root canal and dentures. Some may also cover orthodontic care.
In this article, you'll find out about Humana's best dental plans, what the cover and the advantages and disadvantages of choosing Humana.
The Best Humana Dental Insurance Plans
Before choosing your plan, you will need to know which one is best for your needs.
It’s a good idea to compare the different options, as this will help you to decide which one offers the right level of care and is most likely to fit within your budget.
1. Humana Bright Plus for Veterans
The Bright Plus for Veterans plan gives additional savings on top of the standard dental plans.
These additional benefits include:
- Savings on prescription drugs at over 62,000 US pharmacies
- Vision care savings that include up to 40% off frames, and discounts on lenses and contact lenses
- 15% off the retail price for certain laser eye treatments
- Hearing care savings that include up to 60% off hearing aids
- Savings on routine health services
- Savings on alternative treatments such as massage, acupuncture and chiropody
Visit Humana Bright Plus for Veterans
2. Loyalty Plus
The Loyalty Plus dental plan will allow you to use any dentist, no matter whether they’re in-network or not, as well as be covered for preventative treatments, up to 100%.
It also offers increasing bonuses for people who keep their plan, which enables them to pay less for services such as root canals.
Features of Loyalty Plus
- No waiting period
- Up to 100% coverage for preventative treatments
- Increasing discounts for other treatments the longer you hold a plan
- One-time deductible of 300 for a couple and $450 for a family
- Doesn’t cover dental implants or teeth whitening
3. Preventative Value
The Preventative Value plan is designed to provide cover for preventative services.
This means that you will be able to access regular check-ups and treatments, which will help you to avoid needing major dental treatments in the future.
Features of Preventative Value
- $50 per year annual deductible per person
- Covers 100% of routine treatments such as cleaning
- Covers up to 50% of treatments such as fillings and extraction
- No waiting period
4. Complete Dental
Complete Dental is the most comprehensive dental plan with the broadest range of coverage.
This plan will cover a range of preventative, basic and major services with no waiting period.
Features of Complete Dental
- No waiting period for preventative care
- Six-month waiting period for basic care
- 12-month waiting period for major services
- Waiting times can be waived with proof of prior insurance
- 100% coverage for preventative treatments
- Up to 80% coverage for basic services
- Up to 50% coverage for major services
5. Dental Savings Plus
Dental Savings Plus isn’t quite the same as a regular insurance plan and works more as a savings scheme, offering discounts on dental services.
You will be able to access discounts on any in-network dentist for treatments when you need them.
Features of Dental Savings Plus
- $15 enrollment fee
- Discounts of 20 to 40% on preventative services
- No copay
- No deductible
- No waiting period
Humana: Pros and Cons
As with any type of insurance, it’s important to make sure you choose a reputable provider before selecting a policy. Providers like Humana are market leaders in offering reliable dental insurance.
As with all providers, there are both advantages and disadvantages to choosing a policy that is provided by Humana.
Advantages
Plenty of Choice
When it comes to choosing a dentist, you will be spoiled for choice. There are almost 300,000 dentists registered to work with Humana, which means you are sure to find the right dentist for your needs.
Different Types of Plan to Choose From
Both Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) dental plans are available for people to choose from.
There is also an adjustable feature on the website, which is useful when you are considering different plans. All of this means you will be able to find the perfect plan for your needs.
With PPO, you are able to use any dentist you want within the network, as long as they fall within your agreed pricing range.
With HMO, you will have a specific doctor who is your primary carer. You will need to see this dentist for all of your appointments, unless there is an emergency situation.
Online Claims and Payments
With Humana, you will have the option to submit and track claims, as well as make payments, online.
This means there is no need to spend hours on hold waiting to speak to a customer service advisor, and you can submit claims at any time of day or night for maximum convenience.
Well-Known and Respected Company
Humana consistently ranks within the top providers for dental insurance. This will help to give you peace of mind, knowing that you have chosen a provider that can be relied upon to be there when you need it.
Disadvantages
Not All Orthodontic Treatments Are Covered
Not all of the plans available through Humana will offer orthodontic treatments.
If this is a treatment that you think you are likely to need, then you will have to make sure it’s something your chosen plan can offer.
Not Available in Every State
Not every state is able to offer the same level of care.
It is vital that you check the policy for the state you live in, as well as those you are most likely to spend time in. This will mean that you can be assured you are covered.
Enrollment Fee
There is an enrollment fee when you take out a policy with Humana. If you decide to take out both dental and vision coverage, then you will be able to choose to waive the enrollment fee for one of the policies.
The exact features of your insurance plan will largely depend on which one you choose.
There are some plans that will potentially cover any treatment you could ever need. Other plans will only cover preventative treatments.
Just as you never know when you will get sick, you can’t predict when you will need to see a dentist.
This is why taking out insurance is always a good idea financially. Paying out a smaller monthly premium can give you the peace of mind to know that you can seek treatment when you need it.
Finding a plan that covers regular check-ups and preventive treatments, such as teeth cleaning, can also help to reassure you that you are less likely to need an expensive treatment.
For people without dental insurance, costs can quickly grow. A simple visit to the dentist for teeth cleaning can typically cost up to $200.
Fillings are another common treatment that can quickly become expensive. The exact fee will depend on the size of the filling and the material used, but it's not unusual for a filling to cost at least $100 for each one.
There are a number of comparison sites that you can use to consider all of the possible dental insurance plans on the market.
You could choose a general insurance comparison site or a more specialized website such as DentalPlans.com.
The advantage of using a comparison site is that you will only need to input your details once.
You will then be shown all of the insurance providers who are able to offer the cover you need. From here, you can look at the ones that fit within your budget or come with perks that appeal to you.
Final Thoughts
People will often put off a trip to the dentist out of fear for an expensive bill. This can mean that a simple toothache can become a costly endeavour.
Deciding to take out dental insurance can take the sting out of dentistry bills, providing peace of mind that you won’t be surprised by an unexpected invoice.
Being able to have regular check-ups and treatments when you need them will help to ensure you are able to maintain your oral health for the long-term.