Humana Dental Insurance Review

Rating: 9.5 / 10 (Excellent)
28 Customer Comments & Reviews - see all comments
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Humana is a health insurance company founded in Louisville Kentucky in 1961. It offers individual health and life insurance plans, as well as military healthcare services and wellness programs to over 13 million customers nationwide. The company has received several awards and recognitions for their products and business practices of workplace inclusion, diversity, and equality.

Humana Dental Insurance Review

Humana is one of the country's largest providers of dental insurance. They provide dental insurance for individuals, groups and employers. There are no pre-certification requirements and a co-payment option is offered. 

What's included with Humana Dental?

HumanaOne Dental Preventive Plus

This dental PPO plan offers low deductibles, no copayments, and provides 100% coverage for many preventive procedures. This plan does not require a dentist selection.

HumanaOne Dental Value plan (C550 and HI215)

These dental prepaid plans have low copayments for many dental procedures and no waiting periods. Both plans require you to select a primary dentist.

HumanaOne Loyalty Plus Plan

This dental plan rewards members for loyalty by increasing benefits from years one to three, with increasing coverage on services like routine exams, root canals and crowns, a one-time deductible for as long as you are on the plan, and no copayments or waiting periods. You can go to the dentist you prefer with the comfort of knowing this plan pays the same percentage of the cost no matter which dentist you visit.

HumanaOne Simple Choice Plan

This dental plan is simple to understand with fixed costs for services and no deductibles. You are not required to select a dentist for enrollment, and you have the choice of the general dentist you prefer from over 170,000 providers in the HumanaOne Dental Simple Choice network.

Plan Reviewed

HumanaOne Dental Preventive Plus

How much does it save you?

preventive 100% in network, 70% out-of-network

basic 50% in network, 30% out-of-network


One-Time Enrollment Fee (Non-Refundable) $35.00
Monthly Plan Fee (1 Person) $21.24
Admin. Fee (waived if you pay yearly) $1.00
Monthly Association Fee (PBA) $0.70

Annual Maximum

$1000 excludes discounts

Treatments Covered and Reimbursements

Preventive services 100% no deductible 
Basic services 50% after deductible
Discounts of major services only through network dentists.


Fine Print

Start date will be the first of the month following the month you enrolled.

Average costs the patient will pay per procedure with an in-network provider are based on averages across Atlanta, Chicago, Dallas, Phoenix, and Pittsburgh.

General anesthesia, implants, and/or cosmetic dentistry are not discounted services.



Human Dental offers great plans at very competitive prices. However, major savings are only available through their network. 











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28 Customer Comments & Reviews

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Boynton Beach, Florida
I have the Humana dental loyalty plan. It is terrible! I am in my second year and the plan does not automatically switch over to the second year coverage. It is still paying everything under the first year coverage. I was told that this rarely happens so they don’t know how to fix it, but on one of my many calls to their call center a representative admitted to me there is a glitch in their system. This might be happening to a lot of people and they just don’t realize it. Every time I call I go through the same thing. The first time I called about this the representative tried to tell me that I was still in my first year even though I had had the insurance for 14 months. It took awhile for... Read More

Germantown, Wisconsin
My dentist has been fighting payment from Humana on two crowns my husband needed. We keep going in circles! I can't talk to anyone in charge, only people I have a hard time hearing and understanding. I am so angry, why have Humana dental insurance if they aren't going to pay for something very common?! I hope I get to the bottom of this, but with two phone calls for an hour each and no one is going to call me back, I doubt it! Terrible experience!

Fort Lauderdale, Florida
The worst experience ever with Humana Dental insurance. Usually I am not picky, but they selling products that do not exist. On their website to get insurance you have to select primary care doctor PCD. When you select the one you want, that does mean nothing. They will send you ID card without PCD. And when you go to the dentist, the one you selected, when you call insurance they will tell you that you have to go to other doctor PCD to get referral. That is not right , they violate consumer rights giving the fault information. When you call them to find out to refund money, they hang up or transfer to nobody. They did not even refund all... Read More

Ruth B
, California
I have tried several times to find out about my dental coverage. No luck all I get is this is the wrong information, I need to know what I am paying payments monthly for. I need a certificate of types of coverage that I am paying for , Because I really need dental work done. Thank you Ruth Bailes at

Fort Lauderdale, Florida
The worst experience ever with Humana Dental Insurance. Usually I am not picky, but they selling products that do not exist. On their website to get insurance you have to select primary care doctor PCD. When you select the one you want, that does mean nothing. They will send you ID card without PCD. And when you go to see dentist, the one you selected, when you call insurance they tell you that you have to go to see other doctor to get referral. That is not right, they violate customers rights giving the fault information. Please do not buy this insurance if you do not want to have problems with them. I see only bad comments here, but they... Read More

Salt Lake City, Utah
I work for a dental office. I have a claim for a patient I have been trying to get paid for over a year now. Every time I call Humana they give me the same clockwork. If I ask for a supervisor...they're all busy. If I ask for a call back...I never receive one. I tried to file a complaint with the Insurance commissioner... but Humana threw a clause in there saying they won't work with the higher-ups. I've dealt with great insurance...I've dealt with decent insurance...and I've dealt with crappy insurance....But Humana--they take the cake.

Sarasota, Florida
Humana Dental Insurance review After using the program for 2 years (in Central Florida), with no claims we discovered that the company pays nothing for a crown. They say that they do pay for a dental extraction or a bridge or dentures. They provide 2 "free" dental cleaning sessions. One dental cleaning, paid out of pocket, costs less than a single month payment for the policy. So, since my family's teeth are in good health, it is far better to save the money and pay for the dental work outright. When a tooth loses part of the crown, good sense tells you to restore the tooth with a crown for health, rather than extract. Sure, it does not feel good to have to fork out a sizable payment for... Read More

Kris V
Bethesda, Maryland
This company is a scam, they hide in the fine print that by signing up you agree to a 12 month contract, so when you find out they don't cover anything you need you can't even cancel and switch to a better insurance. They said it's based on my living in DC, so I'm not sure if this rule applies to everyone, but beware!

stephanie h
Norwalk, Connecticut
After 1 hour, 20 minutes & talking to 3 customer service reps, I still can't access my account. I rate Humana Dental Insurance's customer service at zero. How do I get help without another hour of wasting my time? So frustrating.

Cumming, Georgia
Everything sounds wonderful as far as coverage and discounts until you try to find a good dentist. I had 3 different butcher practices who only cared about how many pricey procedures they could charge me. One broke my jaw and tried to act like it wasn't her. FINALLY, I found a wonderful dentist who takes Humana ... 1 1/2 hours away who also told me exactly what I had to do right away and what could wait. I've spend over $20,000 on out of pocket dental care since I found him 3 years ago. The hacks missed out

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