Humana Dental Reviews

Humana Dental: Overview

With approximately 20 million members and an 8% market share, Humana Inc., headquartered in Kentucky, is emerging as a prominent player in the American health insurance landscape. Offering a diverse array of dental policies, backed by a network of 260,000 dentists nationwide, Humana caters to various budgets with its PPO, DHMO, discount, and value plans.

Pros:

1. Extensive network of 260,000 dentists.

2. Diverse options, including plans tailored for veterans.

3. Certain plans include an annual allowance for in-office teeth whitening services.

4. Humana’s dental subsidiaries hold an A- (excellent) financial strength rating from AM Best.

Cons:

1. Low maximum benefits.

2. Limited coverage for major services.

3. Availability of plans and benefits varies by state.

Humana Dental Plans: Features and Considerations

In 2022, Humana Dental Insurance secured the top spot for overall customer satisfaction, based on feedback from over 1,200 participants in a J.D. Power study. This comprehensive assessment factored in cost, coverage, communication, customer service, and claims processing.

Most dental insurance plans entail waiting periods after enrollment before coverage extends beyond preventive services. However, Humana offers two plans with no waiting periods: the Preventative Value plan, covering preventive and basic services immediately, and the Loyalty Plus plan, providing coverage for preventive, basic, and major services from day one.

While many dental plans mandate annual deductibles, Humana presents options with lifetime deductibles. The Preventative Value plan features a $50 individual lifetime deductible, and for family plans, there's a $50-per-person annual deductible capped at $150 for the policy's lifetime. Opting for lifetime deductibles can yield significant long-term savings.

Enrollment fees vary among Humana plans. The Dental Value insurance plan incurs a $35 one-time enrollment fee plus a $1 monthly administrative charge, while the dental discount plan, Dental Savings Plus, entails a $15 one-time enrollment fee and a $1 monthly administrative fee. Notably, not all plans carry enrollment fees, so reviewing the details is crucial to understanding associated costs.

Annual maximum benefits differ by plan but typically cap at $1,250 per person. While this may suffice for some individuals' dental needs, it might fall short for major services. Consequently, unexpected dental issues could result in considerable out-of-pocket expenses due to Humana's low benefit cap.

Humana Dental Insurance Plans

Humana offers six dental insurance plans along with a dental savings plan, which differs from traditional insurance by providing discounts on dental work with select providers rather than covering costs. Availability of plans varies by state, and interested individuals can check Humana's website or contact a licensed sales agent for details. Here, we delve into three of Humana's popular dental insurance options: Complete Dental, Loyalty Plus, and Preventive Value. Premium prices are location-dependent.

Complete Dental:

  - Highest-priced plan with a $1,250-per-person annual benefit maximum in the first year, increasing to $1,500 in the second year.

  - Individual deductible of $50, and $150 for families.

  - Features a waiting period of six months for basic services and 12 months for major services.

  - Coverage includes routine cleanings, fillings, extractions, oral surgery, root canals, crowns, and dentures.

  - Orthodontics not covered, but discounts may be available.

Loyalty Plus:

  - Offers increasing benefits each year with a one-time deductible for the life of the plan.

  - Annual maximum benefit limit rises yearly, starting at $1,000 and increasing to $1,500 after the third year.

  - No enrollment fee or waiting period.

  - Coverage includes routine cleanings, fillings, extractions, oral surgery, root canals, crowns, and dentures.

  - Orthodontics not covered, but discounts may be available.

Preventive Value:

  - Affordable plan with limited benefits and no yearly maximum.

  - $50 lifetime deductible for individuals, $50 per person with a $150 lifetime limit for families.

  - No enrollment fee or waiting period.

  - Coverage includes routine cleanings, fillings, and simple extractions.

  - Does not cover oral surgery, root canals, crowns, dentures, or orthodontics.

Choosing the right plan depends on individual needs, budget, and anticipated dental care requirements.

Regional Variations in Humana Dental Insurance Premiums

Humana Dental Insurance premiums fluctuate across states, as demonstrated by the following examples of monthly per-person rates:

Kentucky:

- Preventive Plus: $18.49

- Loyalty Plus: $28.75

- Complete Dental: $47.99

Florida:

- Preventive Plus: $19.49

- Loyalty Plus: $35.99

- Complete Dental: $57.99

Minnesota:

- Preventive Plus: $27.99

- Loyalty Plus: $36.99

- Complete Dental: $64.99

To obtain accurate pricing for your state, you can request a free quote on Humana's website with no obligation.

Humana Dental Insurance Accessibility

Availability:

Humana dental coverage plans vary in availability across states, with none being offered nationwide. Pricing also shows significant variability from state to state. To determine plan availability and costs in your area, obtaining an online quote or contacting a Humana agent is necessary.

Contact Information:

Finding contact details for Humana Dental Insurance is straightforward through the company website. Different phone numbers are provided for various plan members, with agents available for assistance Monday through Friday. The Humana Dental Insurance phone number is 1-855-202-4075, with a TTY number for the hearing-impaired. Spanish-speaking agents are also accessible. The company's mailing address is easily accessible on its website.

User Experience:

Online customer feedback for Humana Dental Insurance is mixed. While some users praise the helpfulness of customer service and quick claims processing, others express dissatisfaction.

According to the Better Business Bureau, there were 197 complaints against Humana Dental in the past three years, primarily concerning billing issues such as erroneous charges and difficulties with reimbursements. Additionally, in 2022, 20 complaints were filed with the National Association of Insurance Commissioners (NAIC) regarding Humana Dental.

Humana offers a mobile app, MyHumana, providing access to plan and benefit information, claims viewing, provider searches, and digital insurance cards.