The healthcare system in the United States is not universal. This means, in order to enjoy the benefits, you must have an insurance plan either privately or through by your employer. Given this setup, most residents simply purchase insurance policies to get health coverage.
Humana is one of the largest healthcare providers in the United States, offering dental, vision, Medicare, and life insurance products. The organization is a for-profit business, servicing more than 13 million members in the country.
The insurance plans are suited for every member of society including military personnel, self-employed individuals, families, and seniors. If you need dental insurance, Humana dental insurance can cover preventive and basic services.
Humana Dental Insurance Plans
There are five major dental insurance plans available at Humana. These plans offer distinct benefits for members, usually depending on their budget.
Dental Preventive Plus
The affordable plan that gives members 100% dental coverage is Dental Preventive Plus. Services covered include exams, X-rays, cleanings, fillings, and extractions. This plan ensures no waiting period for all preventive services.
The only downside of this plan is the 100% free dental coverage only applies to in-network dentists.
Dental Loyalty Plus
The upgraded version of the Preventive Plus is the Loyalty Plus Plan. Members get to see any dentist of choice, without additional fees. Moreover, benefits increase over three years, rewarding members of their loyalty.
The Loyalty Plus plan allows a maximum of $1,000 per individual coverage but the limit increases to $1,500 after year three.
Dental Value
The dental coverage with preventive, basic, and major services with fixed fees is Dental Value. All preventive services are 100% covered by the plan. The highlight of this plan is that there are no deductibles and no maximum benefit limit.
For major services, tables of fees are provided so members know the charges upfront.
Dental Savings Plus
The Savings Plus plan promises a 20% to 40% savings from general services to special procedures. All patients are accepted with no health restrictions. Members who access dentists from participating providers can receive extra savings from dental procedures.
PPO Preventive Plus
This plan offers basic dental coverage like routine cleanings, nonsurgical extractions, oral exams, pain relief, fillings, and other preventive services. Under this plan, members can choose dentists from Humana in-network facilities. Additional costs are charged for choosing out-of-network dentists.
How to Qualify for Humana Dental Insurance
Keep in mind that Humana is a private company contracted with Medicare and not all plans are available in all areas. The premium will depend on where you live and you must be enrolled in the Medicare Advantage plan.
To sign up for the dental insurance, you need to access MyOption dental plan, at any time of the year. For those who aren’t enrolled in Medicare Advantage plan, you need to wait until the Annual Election Period switches to Humana Medicare Advantage plan.
To understand your choices better, you can reach out to Humana directly.
Conclusion
Having Humana dental insurance provides a number of benefits including reducing the out-of-pocket expenses from oral exams, preventive and major services.
As an insurance member, you only pay for a fraction of the cost and enjoy better services with no waiting period. For more information, visit the Humana website.
