Unraveling Humana’s Dental Insurance Plans & Locations:

Explore the intricacies of Humana’s dental insurance offerings, a spectrum tailored to your geographical location and age. Unveiling up to six distinct plans, accompanied by a non-insurance dental discount blueprint and an exclusive initiative for veterans.

Bright Plus Dental Plan

Type: Preferred provider organization (PPO)
Annual Maximum: $1,250 per individual
Annual Deductible: $50 for an individual, $150 for a family unit

Prophylactic Services: Fully covered within the network; includes biannual routine oral examinations, cleanings, and an annual set of bitewing X-rays.

Fundamental Services: Network-covered at 60%, initiation of coverage occurs 90 days post-application processing; includes emergency pain relief, extractions, root canals, and a biannual provision of fillings.

Extras: An annual allocation of $100 for in-office teeth whitening.

Eligible States: Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, and Wisconsin.

Loyalty Plus Dental Plan

Type: PPO
Annual Maximum: $1,000 in the first year; $1,250 in the second year; escalating to $1,500 in the third year and beyond.
Annual Deductible: Lifetime deductible of $150 for an individual and $450 for a family unit

Absence of Waiting Intervals: No waiting durations imposed on any dental services.

Fundamental Services: Comprising extractions, fillings, and X-rays. Coverage at 40% in the initial year, ascending to 55% in the second year, and peaking at 70% from the third year onwards.

Major Services: Encompassing crowns, dentures, and root canals. Coverage begins at 20% in the first year, climbs to 30% in the second year, and culminates at 50% from the third year onwards.

Eligible States: Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, West Virginia, Wisconsin, Wyoming.

Dental Value Plan

Type: Dental health maintenance organization (DHMO)
Annual Maximum: None
Annual Deductible: None

Elimination of Waiting Periods: Immediate access to dental services without any delay, even for major procedures.

Prophylactic Services: Entirely covered without any deductible; encompasses examinations and cleanings.

Fundamental Services: Remuneration based on a predetermined fee schedule as per your particular dental scheme. Includes extractions, fillings, and X-rays.

Major Services: Compensation follows a set fee schedule aligned with your unique dental plan, incorporating crowns, dentures, and root canals.

Eligible States: Dental Value plan HI215 is accessible in Florida, Missouri, Ohio, Tennessee, and Texas. An alternate option, Dental Value plan C550, is extended in Georgia, Illinois, and Kentucky.

Preventive Plus Dental Plan

Type: PPO
Annual Maximum: $1,000 per individual
Annual Deductible: $50 for individuals and $150 for a family unit

Absence of Waiting Intervals: Immediate coverage for any covered dental service, devoid of any post-coverage waiting period.

Prophylactic Services: Entirely covered within the network; encompasses examinations and cleanings.

Fundamental Services: Half-covered within the network; incorporates extractions, fillings, and X-rays.

Eligible States: Alabama, Arizona, Iowa, Kentucky, Maine, Mississippi, North Dakota, New Jersey, South Carolina, South Dakota, Virginia, West Virginia, and Wyoming.

Complete Dental Plan:

Type: PPO
Annual Maximum: $1,250 per individual, escalating to $1,500 in the second year and beyond
Annual Deductible: $50 per individual or $150 per family; no deductible for in-network preventive services.

Prophylactic Services: Entirely covered within the network. Comprises biannual routine examinations, two cleanings, two topical fluoride treatments, and one limited oral evaluation.

Fundamental Services: 80% coverage within the network after the deductible and a six-month waiting period or continuous coverage for the previous 12 months. Incorporates extractions and root removal, among other services.

Major Services: 50% coverage within the network after the deductible and a 12-month waiting period. Humana may waive the waiting period with continuous coverage for the previous 12 months.

Eligible States: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Tennessee, Utah, and Wisconsin.

Preventive Value Dental Plan

Type: PPO
Annual Maximum: None
Annual Deductible: $50 lifetime deductible for an individual, $100 for an individual plus one dependent or spouse, or $150 for a family unit.

Prophylactic Services: Fully covered within the network after the lifetime deductible; 80% coverage if seeking services out of the network. Comprises routine oral examinations and evaluations, cleanings, X-rays, and a topical fluoride treatment.

Fundamental Services: 50% coverage within the network after the lifetime deductible; 30% coverage if seeking services out of the network. Includes routine oral examinations and evaluations, cleanings, X-rays, and a topical fluoride treatment.

Eligible States: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kansas, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, and Wisconsin.