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Top Reasons to Buy Humana Dental Insurance 2024

by opeyemi
Top Reasons to Buy Humana Dental Insurance

Humana is recognized for its comprehensive range of dental insurance options, providing coverage to policyholders nationwide with a key emphasis on the ability to buy Humana dental insurance. They boast an impressive network of over 335,000 dedicated dentists and specialists poised to deliver exceptional dental care to those insured under Humana’s plans. While Humana’s health insurance offerings span most of the United States, they notably exclude Alaska, Hawaii, Nevada, New Mexico, and Washington. However, for residents in states where Humana’s policies are not directly offered, alternative top-rated health insurance solutions can be found through resources like Forbes Advisor.

The provider network under Humana is expansive, marking it as one of the most extensive dental networks nationally, a boon for those looking to buy Humana dental insurance. This network ensures insured individuals have access to various dental professionals. Humana distinguishes itself by offering six distinct dental plans tailored for individuals, in addition to a dental discount program and special rate reductions for veterans, showcasing its commitment to providing flexible and affordable dental care options.

Customer support is a hallmark of Humana’s service, with various communication channels available to policyholders. Whether through their innovative online chat tool, social media platforms like Twitter, or traditional phone support, Humana makes it simple for customers to receive assistance. Their phone support, available from Monday to Friday between 8 a.m. and 8 p.m. local time in most regions, ensures that help is just a call away.

Furthermore, Humana extends its coverage to the District of Columbia and all states except Alaska, Hawaii, New Mexico, Nevada, and Washington. However, discount dental plans are still accessible in Alaska and New Mexico. The availability of dental plans varies by location, and potential customers are encouraged to use Humana’s website to discover the options in their vicinity. By entering a zip code, individuals can view a list of available plans and their respective costs, which vary depending on the locale, making buying Humana dental insurance straightforward and personalized.

Types of Insurance Offered by Humana

Based in the vibrant city of Louisville, Kentucky, Humana emerges as a pivotal player in the insurance industry, offering an array of insurance solutions designed to meet the unique needs of individuals across various stages of life. The company’s commitment to health and wellness is reflected in its diverse offerings, which include:

  • Medicaid – Providing a safety net for individuals and families, Humana’s Medicaid plans make healthcare services more accessible and affordable, ensuring that lower-income groups receive the medical attention they need.
  • Medical Insurance – Humana’s medical insurance portfolio covers various healthcare needs, from preventive care to complex medical treatments, safeguarding individuals and their families against unforeseen health challenges.
  • Medicare—With specialized plans tailored for the elderly and other qualifying individuals, Humana’s Medicare options offer extensive coverage that supports both health maintenance and the treatment of existing conditions, emphasizing the importance of preventive care.
  • Vision—Understanding the critical role of eye health in overall well-being, Humana offers vision insurance that encourages regular eye examinations and covers the costs associated with prescription eyewear and contact lenses. This helps individuals maintain clear vision and detect potential issues early.

Pros and Cons Of Insurance Offered by Humana

Top Reasons to Buy Humana Dental Insurance

When considering dental insurance options, the decision to invest in Humana dental insurance emerges as a standout choice for a variety of compelling reasons. Chief among these is the unparalleled benefit of an unlimited annual payout, ensuring that policyholders can access the dental care they require without financial limitations. Humana’s network, notable for its breadth and quality, offers policyholders the flexibility to choose from a vast array of dental professionals, enhancing the convenience and effectiveness of dental care.

A distinctive feature of Humana dental insurance is the lifetime deductible, a singular payment that dispenses with the need for annual deductible payments, simplifying dental healthcare’s financial aspects. The coverage is meticulously designed to embrace a wide spectrum of dental health needs, categorized into preventive and basic care, with an emphasis on early intervention and effective treatment:

  • Preventive Care: From the commencement of the policy, 100% coverage is provided for essential preventive services. This includes oral assessments to detect potential issues early, thorough cleanings to prevent gum disease and tooth decay, detailed X-rays to monitor dental health below the surface, and fluoride treatments to strengthen teeth against cavities.
  • Basic Care: Recognizing the importance of addressing dental issues promptly, Humana ensures that basic dental procedures are covered at 50% immediately. This coverage extends to urgent care for pain relief, ensuring that unexpected dental pains can be addressed swiftly; fillings to restore the integrity of teeth affected by cavities; and simple extractions to remove teeth that may cause further health issues if left untreated.


  • Excluded Services: Unfortunately, the plan does not cover critical dental procedures such as root canals, often necessary to treat severe tooth decay or infection. Oral surgery, a requirement for various conditions, including impacted teeth and complex extractions, is also not covered. This plan offers no coverage for those needing dentures or implants, which are vital for replacing missing teeth and maintaining oral function. Additionally, orthodontic treatments, crucial for correcting misaligned teeth and jaws, are excluded, alongside other major services often necessary for comprehensive dental health.

On the operational front, Humana’s commitment to improving healthcare interactions and efficiency is evident through its notable certifications and accreditations:

Operational Excellence

  • CORE Certification: Humana’s processes are streamlined by its Committee on Operating Rules for Information Exchange (CORE) certification. This certification ensures standardized information flow between insurers and healthcare providers, aiming to lower healthcare costs, enhance the accuracy of claims payments, and minimize administrative tasks.
  • NCQA Accreditation: The National Committee for Quality Assurance (NCQA) has accredited Humana, highlighting the company’s dedication to transparency, accountability, and the adoption of best practices in healthcare. This accreditation is a mark of quality, indicating Humana’s efforts to offer its members superior health plans and services.

Humana Dental Insurance Plans

Humana presents various dental insurance options tailored to meet the diverse needs of its clientele based on geographic location and age criteria. Up to six distinct dental insurance plans are meticulously crafted, ensuring a wide range of coverage that caters to different preferences and requirements. Additionally, Humana recognizes the unique needs of veterans, offering a specialized dental discount program alongside a general dental discount plan, which, while not traditional insurance, provides valuable cost-saving opportunities. A deeper exploration into the six primary plans is advised for those looking to buy Humana dental insurance. It’s beneficial to consult with Humana or engage a licensed insurance broker for comprehensive details on plan specifics and coverage limitations. This ensures an informed decision-making process when choosing the optimal dental insurance solution. This approach not only simplifies the selection process but also enhances understanding of the benefits and restrictions of each option, facilitating a smoother journey to securing dental health support.

Bright Plus Dental Plan Overview – Buy Humana Dental Insurance

  • Plan Type: Preferred Provider Organization (PPO)
  • Annual Maximum: $1,250 per person
  • Annual Deductible:
    • Individual: $50
    • Family: $150

Preventive Services:

  • Coverage at 100% within the network.
  • Includes:
    • Two routine oral exams and cleanings per year.
    • One set of bitewing X-rays annually.

Basic Services:

  • Coverage at 60% within the network, after a 90-day waiting period.
  • Includes:
    • Emergency care for pain relief.
    • Extractions and root canals.
    • Up to two fillings per year.


  • $100 per year towards in-office teeth whitening.


  • 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.

When you buy Humana dental insurance, the Bright Plus Dental Plan offers a robust solution tailored to meet diverse dental health needs. Its extensive coverage, from preventive to basic dental services, along with the bonus of cosmetic enhancements like teeth whitening, ensures a comprehensive dental care package for individuals and families across many states.

Loyalty Plus Dental Plan

The “Loyalty Plus Dental Program” is an exceptional choice for individuals seeking to buy Humana dental insurance. It is structured as a Preferred Provider Organization (PPO) plan and is renowned for its unique benefit structure, which increases with member tenure, ensuring loyalty pays off.

Plan Highlights:

  • Annual Coverage Limits: Members enjoy an initial maximum of $1,000, which increases to $1,250 in the second year and further escalates to $1,500 from the third year onwards.
  • Deductibles: A notable one-time deductible is set at $150 for individuals and $450 for families, applicable for the plan’s lifetime, emphasizing its value proposition.
  • Immediate Coverage: There are no waiting periods for dental services, a significant advantage over other plans.

Service Coverage Breakdown:

  • Basic Services: This includes necessary procedures such as extractions, fillings, and X-rays, with coverage escalating to 40% in the first year, 55% in the second, and 70% in subsequent years.
  • Major Services: For more extensive needs like crowns, dentures, and root canals, coverage starts at 20% in the first year, increasing to 30% in the second year, and reaching up to 50% from the third year onwards.

Geographic Availability: The program is widely accessible and available in numerous 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, and Wyoming.

This comprehensive approach facilitates immediate access to dental care. It ensures that the plan’s value increases over time, making it an attractive option for those looking to buy Humana dental insurance.

Dental Value Plan

  • Type: A DHMO plan emphasizing affordability and ease of access to a wide range of dental services.
  • Annual Maximums: No annual maximum limits provide members with unparalleled access to necessary dental care.
  • Annual Deductibles: The plan does away with deductibles, further reducing out-of-pocket expenses for members.
  • Waiting Periods: Members benefit from immediate coverage for all types of dental work, including major services, from when their plan becomes active.

Covered Services:

  • Preventive Services: The plan fully covers preventive care, including dental exams and cleanings, without requiring a deductible, fostering a focus on maintaining oral health.
  • Basic Services: Services such as extractions, fillings, and X-rays are available at a predetermined fee, ensuring clarity and predictability in dental care costs.
  • Major Services: For more extensive dental needs, including crowns, dentures, and root canals, the plan provides a set fee schedule tailored to each specific dental plan, offering significant savings on typically expensive procedures.


  • Dental Value Plan HI215 is accessible to Florida, Missouri, Ohio, Tennessee, and Texas residents, offering comprehensive dental coverage across a broad geographic range.
  • Dental Value Plan C550 extends its reach to Georgia, Illinois, and Kentucky, ensuring that many members have the opportunity to benefit from this plan.

This plan is designed to meet the needs of those looking to buy Humana dental insurance. It provides a streamlined, cost-effective solution for managing dental health and ensures that members have access to a robust network of dental providers without the concern of financial limitations or unnecessary delays.

Preventive Plus Dental Plan

  • Annual Coverage: This plan offers a generous annual maximum of $1,000 per person, ensuring significant financial assistance for dental services.
  • Deductibles: The plan offers low annual deductibles of $50 for individuals and $150 for families, making dental care more accessible from the start.
  • Immediate Access to Services: Characterized by the absence of waiting periods, this plan allows members to utilize any covered dental service right after enrollment.

Coverage Details:

  • Preventive Services: Emphasizing prevention, the plan covers exams and cleanings at 100% when utilizing in-network providers, encouraging regular dental check-ups.
  • Basic Services: The plan provides 50% coverage for more involved dental needs such as extractions, fillings, and X-rays, also strictly within its network of providers.

Availability Across States: Reflecting Humana’s commitment to broad accessibility, the plan is available in a select but diverse range of states:

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

Designed to prioritize preventive care, the “Preventive Plus Dental Plan” represents an ideal choice for those looking to buy Humana dental insurance, ensuring members can maintain their dental health efficiently and affordably.

Complete Dental Plan:

Key Features of the Plan:

  • Type: PPO, offering flexibility and choice in dental care providers.
  • Annual Maximum Benefits: Initially set at $1,250 per person, this limit increases to $1,500 from the second year onwards, providing enhanced coverage over time.
  • Annual Deductible: A minimal deductible of $50 per person or $150 per family is required, with the noteworthy exemption of deductibles for in-network preventive services, emphasizing the plan’s preventive care approach.

Comprehensive Coverage Details:

  • Preventive Services: Emphasizing preventive care, this plan covers 100% of in-network services, including two routine exams, two cleanings, two fluoride treatments, and one limited oral evaluation annually, with no deductible, promoting regular dental health maintenance.
  • Basic Services: After a six-month waiting period—or immediately, if the member had continuous coverage for the previous 12 months—80% of basic services like extractions and root removal are covered once the deductible is met, ensuring essential dental care is within reach.
  • Major Services: For more significant dental work, such as major extractions and surgeries, 50% coverage is provided after meeting the deductible and a 12-month waiting period. Like basic services, Humana may waive this waiting period for those with continuous coverage for the last 12 months, underscoring the plan’s commitment to ongoing dental health.

Availability Across the States: Reflecting Humana’s wide network, the plan is available in a comprehensive list of states, including but not limited to Alabama, Arkansas, and Arizona, and extending through to Utah and Wisconsin, making it a viable option for a broad demographic looking to buy Humana dental insurance.

Preventive Value Dental Plan

The “Preventive Value Dental Plan,” offered by Humana, represents a prime choice for individuals eager to invest in their dental health. This plan is designed for those looking to buy Humana dental insurance, emphasizing the importance of preventive care without an annual maximum limit. It’s an ideal solution for anyone looking to buy Humana dental insurance, aiming to make preventive services more accessible and affordable.

Key Features for Those Looking to Buy Humana Dental Insurance:

  • Type: As a PPO plan, it allows flexibility in choosing dentists and dental services, which is crucial for those prioritizing choice and quality in their dental care.
  • Annual Deductibles: With a one-time deductible of $50 for individuals, $100 for an individual plus one dependent or spouse, and $150 for a family, this plan is tailored for those planning to buy Humana dental insurance seeking straightforward, long-term dental care coverage.
  • Preventive Services: For those who buy Humana dental insurance under this plan, 100% of in-network preventive services are covered after meeting the lifetime deductible, highlighting the plan’s commitment to maintaining oral health. This includes cleanings, exams, and more, with 80% coverage for those opting for out-of-network providers.

Expanded Coverage for Those Looking to Buy Humana Dental Insurance:

  • Basic Services: Acknowledging the essential nature of basic dental care, the plan ensures 50% coverage for in-network services, extending a substantial benefit to those who have chosen to buy Humana dental insurance. This commitment extends to providing 30% coverage for services sought outside the network, ensuring that plan members have access to necessary dental care when needed.

State Availability: This plan is available in a wide range of states for residents contemplating buying Humana dental insurance, from Alabama to Wisconsin. It offers extensive coverage for those who buy Humana dental insurance and seek reliable and comprehensive dental care options across the U.S.

This plan is specifically structured to meet the needs of individuals and families who prioritize preventive dental care and are looking to buy Humana dental insurance. It represents a thoughtful blend of coverage options, accessibility, and affordability, reinforcing the value of proactive dental health management for those invested in purchasing Humana dental insurance.


In conclusion, Humana stands out as a leading dental insurance provider, offering an expansive range of options catering to policyholders’ diverse needs across the United States. With a robust network of over 335,000 dentists and specialists, Humana ensures comprehensive dental coverage and accessibility for its customers. The company’s commitment to flexibility, affordability, and customer support is evident in its various dental plans, including specialized discounts for veterans and innovative customer service solutions. For individuals seeking dental insurance, Humana’s easy-to-navigate website and broad coverage, excluding only a few states, make it a preferred choice for those aiming to buy Humana dental insurance. Whether seeking preventative care, major dental work, or anything in between, Humana provides a reliable, customer-focused solution for dental health needs.

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