Humana Dental Insurance Review for 2024

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Humana, founded in Louisville, Kentucky in 1961, is a health insurance company that serves over 13 million customers nationwide. They offer individual health and life insurance plans, military healthcare services, and wellness programs. Among their offerings, Humana is one of the country’s largest providers of dental insurance.

Unlimited Annual PayoutWaiting Periods
Large Provider NetworkLimited Coverage for Major Services
Lifetime DeductibleOut-of-Network Costs
Immediate Coverage for Preventive Care
Offers plans with no waiting periods
Pros and cons of Humana Dental Insurance
Woman in Purple Scrub Using a Dental Equipment in Examining a Patient | Placeholder for Cigna Dental Insurance | Florida | Humana Dental Insurance

Humana Dental Plans

Humana provides dental insurance for individuals, groups, and employers. Let’s explore some of their dental plans:

1. HumanaOne Dental Preventive Plus

This is a dental PPO plan that emphasizes preventive care. It covers two visits to the dentist each year for dental exams and cleanings, and there are no copayments for these services. The plan is designed for people who believe in the importance of regular dental exams and cleanings. It offers affordable coverage for preventive and basic services like routine cleanings and exams, fillings, and extractions.

  • No copayments and immediate care for preventive services like routine cleanings and exams.
  • Basic services covered 50% in-network.
  • Discounts may apply to major services with in-network providers.
  • No waiting period for preventive services.
  • Low annual deductible.
  • $1,000/person maximum for services.

2. HumanaOne Dental Value Plan (C550 and HI215)

The HumanaOne Dental Value Plan (C550 and HI215) is a dental health maintenance organization (DHMO) plan that provides affordable coverage for preventive, basic, and major services with fixed fees and no deductibles. It covers commonly used preventive and basic services, including exams, X-rays, cleanings, and fillings.

  • Preventive services are covered 100% with no deductible.
  • Set fee schedule for basic and major services.
  • No waiting periods.
  • You need to select a primary care network dentist for routine care.

3. HumanaOne Loyalty Plus Plan

The HumanaOne Loyalty Plus Plan is a unique offering that rewards members for their loyalty by increasing benefits over the first three years. The plan offers day-one coverage with no waiting periods, and your benefits increase over time. The percentage the plan pays toward services increases each year, up to the 3rd year.

  • No waiting period on any services.
  • Basic dental services coverage increases over 3 years.
  • Major dental services coverage increases over 3 years.
  • Maximum annual benefit limit rises over 3 years.
  • Choose any dentist you like from more than 117,000 dentists and specialists in the nationwide network.

4. HumanaOne Simple Choice Plan

The HumanaOne Simple Choice Plan is designed to be easy to understand with fixed costs for services and no deductibles. It covers most routine preventive care at 100% after a $10 office visit copay. The plan is simple and straightforward, offering fixed costs for services and no deductibles.

  • Costs for service are known upfront.
  • Visit a general dentist of your choice from over 270,000 network provider locations.
  • Covers most routine preventive care at 100% after a $10 office visit copay.
  • No deductibles.
  • No dentist selection required.

Cost of Humana Dental Insurance

The cost of Humana Dental Insurance varies based on the specific plan you choose and your location. It’s essential to review the details carefully to understand the premiums and any additional fees. Below is a

Here is the updated table with the approximate costs for each plan type:

Plan TypeCoverage DetailsApproximate Monthly Cost
Preventive CareRoutine check-ups, cleanings, and X-rays$17.99
Basic ServicesFillings, extractions, and minor restorative work$44
Major ServicesCrowns, bridges, dentures, and other major procedures$44
Senior-FocusedAdditional benefits for seniors, including denture coverage and more frequent cleanings$35.99

Please note that these are approximate costs and can vary based on your location and specific plan details.

Coverage for Seniors

Seniors often have unique dental needs, and Humana recognizes this. Their dental insurance for seniors includes additional benefits like denture coverage and more frequent cleanings. If you’re over 65, Humana’s senior-focused plans are worth considering.

Pros and Cons of Humana Dental Insurance


  1. Unlimited Annual Payout: Unlike some plans that limit annual benefits, Humana offers unlimited payouts. This flexibility ensures you’re covered when you need it most.
  2. Large Provider Network: With over 335,000 dentists and specialists across the U.S., finding a provider near you is easy.
  3. Lifetime Deductible: Pay your deductible only once—a convenient feature that sets Humana apart.
  4. Immediate Coverage for Preventive Care: Oral examinations, cleanings, X-rays, and fluoride treatments are covered right away.
  5. Offers plans with no waiting periods: You can start using your coverage immediately without waiting for specific periods.


  1. Waiting Periods: Like many insurance providers, Humana has waiting periods before certain services are covered.
  2. Limited Coverage for Major Services: While basic services are well-covered, major procedures may have limitations.
  3. Out-of-Network Costs: If you choose an out-of-network dentist, your costs may be higher.

How to Contact Humana Dental Insurance

Here’s how you can get in touch with Humana Dental Insurance:

  • Phone: Their number is 877-877-1051. They’re around to chat from Monday to Friday, 8 a.m. to 8 p.m.
  • Online chat: You can use the online chat feature available in your MyHumana account.
  • Tweet them: You can reach out to them on Twitter at @HumanaHelp.
  • PO Box: If you’re old school, you can mail them at Humana, Inc. 500 W. Main St. Louisville, KY 40202.

For more information or to enroll in a plan, you can check out their website.

Is Humana Dental Insurance Worth It

Humana Dental Insurance offers a range of plans, making it a solid option for those who want more freedom of choice from an experienced insurance provider It also provides an extensive provider network, giving you plenty of options when choosing a care provider. If you already have a dentist, there’s a good chance they’ll be in-network too. You can use Humana’s website to search for providers by name or find out if your dentist is in-network. To find new in-network providers near you, you can easily search by zip code. Using in-network providers is an effective way to lower your out-of-pocket costs.

Humana Dental Insurance also has:

  • High J.D. Power rating: Humana Dental Insurance received the highest ranking in the J.D. Power 2022 U.S Dental Plan Satisfaction Study This study indicates customer satisfaction with their services.
  • Offers plans with no waiting periods: You can start using your coverage immediately without waiting for specific periods.

If you’re considering dental insurance, it’s essential to weigh the costs and benefits. Dental insurance helps manage the costs of preventive care and also lowers costs for unexpected events like broken teeth or cavities. Whether it’s worth it depends on your individual needs and preferences. From budget-friendly monthly premiums to low office-visit copays, Humana has dental plans sure to fit your needs.

If you enjoyed this blog post you can explore more health insurance reviews for your friends and family like:

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