Affordable Dental Insurance Plans | Humana (2024)

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, ancestry, religion, sex, marital status, gender, gender identity, sexual orientation, age, or disability. We also provide free language interpreter services. See our full accessibility rights information and language options.

1 DISCOUNT ONLY – NOT INSURANCE. Discounts are only available at participating providers. The range of discounts will vary based upon participating provider chosen to provide services. Retail prices may vary by location. Humana does not make payment for these services. You are obligated to pay for all services received and you will receive a discount from the participating provider. A list of participating providers is available upon request.

Dental PPO Plans are not offered in all states.

This plan provides benefits for contracted and non-contracted dentists. Non-contracted dentists have not agreed to provide services at contracted fees. If a member sees a non-contracted dentist their out of pocket costs may be higher than that charged by contracted dentists.

“Humana” is the brand name for plans, products and services provided by one or more of the subsidiaries and affiliate companies of Humana Inc. (“Humana Entities”). Plans, products, and services are solely and only provided by one or more Humana Entities specified on the plan, product, or service contract, not Humana Inc. Not all plans, products, and services are available in each state.

Medical Plans

Humana group medical plans are offered by Humana Medical Plan, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Health Plan of Ohio, Inc., Humana Health Plans of Puerto Rico, Inc. License # 00235-0008, Humana Wisconsin Health Organization Insurance Corporation, or Humana Health Plan of Texas, Inc., or insured by Humana Health Insurance Company of Florida, Inc., Humana Health Plan, Inc., Humana Health Benefit Plan of Louisiana, Inc., Humana Insurance Company, Humana Insurance Company of Kentucky, or Humana Insurance of Puerto Rico, Inc. License # 00187-0009, or administered by Humana Insurance Company or Humana Health Plan, Inc. For Arizona residents, plans are offered by Humana Health Plan, Inc. or insured by Humana Insurance Company. Administered by Humana Insurance Company.

Go365® is not an insurance product. Not available with all Humana health plans.

Individual Dental and Vision Plans

Humana Individual dental and vision plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Benefit Plan of Louisiana, Inc., Discount plans offered by HumanaDental Insurance Company or Humana Insurance Company. For Arizona residents: Insured by Humana Insurance Company. For New Mexico residents: Insured by Humana Insurance Company. For Texas residents: Insured or offered by Humana Insurance Company, HumanaDental Insurance Company or DentiCare, Inc (d/b/a Compbenefits).

In states, and for products where applicable, the premium may include a $1 administrative fee. If you have purchased an association plan, an association fee may also apply. Some plans may also charge a one-time, non-refundable enrollment fee. (This fee is non-refundable as allowed by state).

A minimum one-year, initial contract period may be required for some dental and vision plans, excluding Dental Savings Plus

Group Dental and Vision Plans (Insurance through your employer )

Humana group dental plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, Humana Health Benefit Plan of Louisiana, The Dental Concern, Inc., Humana Medical Plan of Utah, CompBenefits Company, CompBenefits Insurance Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., or DentiCare, Inc. (DBA CompBenefits).

Humana group vision plans are offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Health Benefit Plan of Louisiana, Humana Insurance Company of Kentucky, Humana Insurance Company of New York, CompBenefits Insurance Company, CompBenefits Company, or The Dental Concern, Inc.

New Mexico: Humana group dental and vision plans are insured by Humana Insurance Company.

Life Insurance Plans

Humana group life plans are offered by Humana Insurance Company or Humana Insurance Company of Kentucky.

Limitations and exclusions

Our health benefit plans, dental plans, vision plans, and life insurance plans have exclusions, limitations and terms under which the coverage may be continued in force or discontinued. Our dental plans, vision plans, and life insurance plans may also have waiting periods. For costs and complete details of coverage, call or write Humana or your Humana insurance agent or broker.

Individual applications are subject to eligibility requirements.

Before applying for group coverage, please refer to the pre-enrollment disclosures for a description of plan provisions which may exclude, limit, reduce, modify or terminate your coverage. View plan provisions or check with your sales representative.

For group plans, please refer to your Benefit Plan Document (Certificate of Coverage/Insurance or Summary Plan Description/Administrative Services Only) for more information on the company providing your benefits.

Statements in languages other than English contained in the advertisem*nt do not necessarily reflect the exact contents of the policy written in English, because of possible linguistic differences. In the event of a dispute, the policy as written in English is considered the controlling authority.

Affordable Dental Insurance Plans | Humana (2024)

FAQs

What is the best dental insurance that covers everything? ›

Delta Dental is our top pick because of its comprehensive coverage, including for braces and implants, with relatively short waiting periods. Its large network makes it more likely your preferred dentist is included.

What percentage does most dental insurance cover? ›

In general, most dental plans work on the 100/80/50 coinsurance model. This means that once you meet your deductible, you could get 100% coverage for preventive dental care, 80% coverage for basic dental procedures and 50% coverage for major procedures if you receive care in your network.

Is aflac dental worth it? ›

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

What is the most common form of dental insurance? ›

According to the National Association of Dental Plans, Dental PPO plans are the most predominant type of plan in the U.S. market; 82 percent of all dental policies are PPOs.

What state has the best dental prices? ›

Best and worst for: Dental treatment costs

Lowest dental treatment costs: Alabama, Kentucky, Mississippi, Tennessee and Texas. Highest dental treatment costs: Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont.

What is the best dental insurance for seniors? ›

Compare the Best Dental Insurance Companies for Older Adults
CompanyCoverage LimitMajor Care Coverage Year 1
Delta Dental Best Overall$2,00050%
MetLife Runner Up$1,50050%
Physicians Mutual Most AffordableUnlimited25%
Spirit Dental Best for No Waiting Periods$75020%
1 more row

What does the average American pay for dental insurance? ›

On average, people spend between $20 and $50 per month on dental insurance premiums, with annual estimates ranging from $240 to $600. However, dental insurance costs also include co-insurance, copayments for specific treatments, annual maximums (the coverage limit per year) and deductibles.

Why is dental work so expensive even with insurance? ›

Scope of work, experience level, services, quality of care, and peace of mind. About 35% of your fees go towards something that is extremely undervalued: the dentist's skills, knowledge, and time. Dentists undergo many years of college, dental school, and expensive specialized training.

What is the highest annual maximum on dental insurance? ›

An annual maximum usually ranges between $1,000 and $2,000 and resets at the end of each benefit period, typically 12 months. Certain plans could have an even higher annual maximum, so make sure to check with your dental insurance provider. Does orthodontic care count towards the annual maximum?

Is there anything better than Aflac? ›

Prudential Financial, Inc. (NYSE:PRU) is one of the best alternatives to Aflac with 18 million customers on board. Prudential Financial, Inc. (NYSE:PRU) provides a range of supplemental health benefits.

How long do you have to have Aflac dental before you can use it? ›

At Aflac, we'll work with you to help you get the treatments you need on a timeline that works. Our network and employer-provided dental insurance have no waiting period for routine services and fair waits for more involved procedures.

What will Aflac pay for? ›

Your Aflac benefits check helps you pay for the many out-of-pocket expenses you incur when you are sick or hurt-like the cost of transportation to and from medical facilities, parking, and additional child-care expenses.

Do most Americans have dental insurance? ›

Data from the National Health Interview Survey

Nationally, 50.2% of dentate adults aged 18–64 with private health insurance had dental care coverage throughout the past 12 months. Regional percentages of dental coverage ranged from 45.6% in the East South Central and South Atlantic regions to 57.1% in New England.

Is Delta Dental USA a PPO or HMO? ›

As an employee, the OCC Dental Insurance Program offers you the choice of two quality dental options — the PPO option called Delta Dental PPO and the dental HMO (DHMO) option known DeltaCare® USA.

What is the difference between a PPO and an indemnity plan? ›

Unlike managed care plans, such as HMOs or PPOs, which require individuals to select healthcare professionals from within a predefined network, indemnity plans allow you to access care from any licensed provider or facility across the country.

How much is Delta dental insurance a month in California? ›

Dental insurance plans from Delta Dental cost between $26.59-$180.80 per month depending on your level of coverage. This is the based on average pricing for plans from eHealth. Get a personalized quote to see what may be available for you.

What is the average cost for dental insurance in California? ›

The average dental insurance premium in California is $35.36 per month. *This is the based on average pricing for plans from eHealth, but actual prices available depend on zip code, age, gender, coverage level, and other factors. Get a personalized quote to see what may be available for you.

What is the best dental insurance for getting dentures? ›

Anthem's Platinum PPO covers crowns, root canals and dentures at 50% after a six-month waiting period and a $50 per-person deductible. The plan also has a generous $2,000 annual maximum. Ameritas PrimeStar Complete dental plan may be the best fit if you need major work done sooner than later.

Does Cigna cover root canals? ›

80% covered: Basic restorative care like tooth-colored fillings, extractions, and root canal therapy. 50% covered: More complex restorations, like dental crowns and bridges.

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