Humana Dental Plans
Humana is one of the most popular PPO carriers that we work with. The coverage is strong, the rates are usually very good, and there is a very large PPO network. For these reasons we also recommend Humana for our clients who are seeking to add dental to their insurance coverage.
Before you apply, be sure to view your state brochure. It contains important information regarding benefits, exclusions, limitations, renewability and other terms of coverage.
Dental Plans at a Glance
Humana offers three separate dental coverages to choose from: the Dental Preventative Plus, the Dental C550, and the Dental Discount. All three plans avoid the often painful underwriting process, and as such, you need not worry about being declined due to preexisting conditions, and you will know in advance exactly how much you will be paying. The Plus plan is available at $16.99 per month, the C550 plan is $16.00 per month, and the Discount plan is $10.95 per month. A one time enrollment fee of $35 is required.
Dental Preventative Plus - with the Preventative Plus plan, you are not assigned a Primary Dentist, instead, you are free to choose from any of the over 130,000 dentists in Humana's PPO network. There is no co payment for office visits, and most preventative services are covered at 100% before your annual deductible. After a $50 deductible ($150 for a family), most basic services are covered at 60%*, and you receive an average discount of 28% on major services. This plan has a $1000 maximum per person per year. You should contact Humana for pre-authorization prior to any procedure over $300.
* 6 month waiting period applies for basic services.
Dental C550 – the Humana Dental C550 plan focuses on maintaining oral health, prevention, and cost containment. You may see your Primary Care Dentist (chosen at time of application) as often as necessary. \There are no yearly maximums, no deductibles to meet, and no waiting period. \While most diagnostic and preventative services cost you nothing, charges for common services performed at your Primary Care Dentist include: $0 examinations, $0 x-rays, $10 office visits, $30 fillings (one surface), and $35 extractions. See brochure for complete pricing list.
Dental Discount – this plan is for our clients who are looking for a minimal amount of dental coverage. The Dental Discount plan allows you to get between a 20 and 50% discount on most dental services at in network providers. \ Average prices for common procedures include: $26 examinations, $75 x-rays, $50 cleanings, and $67 dollar fillings. See brochure for complete pricing information.
How to Apply
Humana has made this dental coverage as easy as possible to obtain by avoiding the troublesome and time consuming underwriting process. To apply, contact any one of our knowledgeable Personal Benefits Consultants, fill out this consultation request form, or call our office at 800-913-6381. Within just a few minutes your application will be submitted.
Humana is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members as of 2008, in 18 states and Puerto Rico.
Humana has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization. A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.
ColoHealth is an independent authorized Humana agent.