Humana Dental Insurance Review


Rating: 9.6 / 10 (Excellent)
12 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from some partners. Learn more.
How is Humana rated?
10/10
Coverage
9/10
Benefit Limits
10/10
Plan Options
10/10
Customer Service
10/10
Cost
9/10
Reviews
9/10
In-Network Dentists

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

Premiums

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.

 

Summary

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

 

 

 

 

 

 

 

 

 

 

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Latest Reviews

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Richard T
Zephyrhills, Florida
3/24/2017
Last year I called my Humana Dental Plan and asked for an update of 10 dentists in a 10 mile radius of my zip code that currently accepted their dental insurance plan. Of the 10 names they gave me only one (1) said they still accept their insurance. This year Humana dropped dental insurance coverage on the Humana Choice PPO Medicare Plan after telling us at a meeting how many more benefits they offer like $5 lower co-pays for Doctors's visits. They never said the yearly deductible was being raised $50, nor that there would be NO dental coverage as last year's plan offered; it had covered one X-ray, one exam and two basic cleanings. "Very mis-leading"...like a "bait and switch" campaign.... Read More

J
J.C.
Pittsburgh, Pennsylvania
12/15/2016
God I hope at least one of you had a positive experience. I'm switching to Humana in Jan. F me in the A. I had Delta and they where the worst. I was told that my dentist's office was covered under the plan I chose. Now they tell me it isn't and I owe almost $400 because they said she wasn't. I had to point out to THEM that they still should cover her as "Out of Network" and paid something! The fact that I had to tell one of their reps about out of network sickens me. I will never use them again! Also folks, If you go in for even a cleaning, make sure your insurance is part of their coverage and ask your dentist to tell you the cost, and not just do it and send you a bill. It's nice to... Read More

Jen K
11/15/2016
I MUST SAY I HAVE NEVER EVER DEALT WITH A COMPANY WHO HAS PROVIDED WORSE CUSTOMER SERVICE. I HAVE BEEN ON THE PHONE WITH THEM FOR OVER AN HOUR AND HAVE BEEN TRANSFERED TO 7 DIFFERENT CUSTOMER SERVICE AGENTS WHO COULD NOT TAKE MY PAYMENT OVER THE PHONE. IF ITS THIS HARD FOR A COMPANY TO TAKE MY MONEY, I WILL GO SOMEWHERE ELSE. THANK YOU HUMANA FOR MAKING MY EXPERIENCE WITH YOU HORRIBLE.

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Sean B
,
9/29/2016
Literally the worst company I've worked with. I've worked in dental insurance for over 5 years, so I actually get a feel for almost every company out there. Humana is the absolute worst. When it comes to saying they cover a certain amount, they pay less. When they say they will process claims within a certain amount of time, they don't. They sometimes just tell us they never receive claims... it's odd how no one else tells us that. Not paying for claims at all. Our latest debacle has been the fact that they come back and just take money back from procedures done over 2 years ago. As a consumer that comes back to you in the end. BEWARE of not getting what you pay for!

H
Heather C
Las Vegas, Nevada
9/21/2016
Is this real life? HOW does this make sense? Nothing but problems...Check to make sure my dentist accepts Humana, yes. They *had* such great reviews which I should have checked consumers advocate first, as Humana has either gone downhill or those reviews were paid for. Except NO. I have been now to 4 different dentists on Humana's list of approved dentists, checked in advance...with each one I'm not even covered for a cleaning. So...I pay $57 a month for absolutely nothing, stuck in a one year contract and just went back to my regular dentist and paid out of pocket. Humana's login doesn't work half the time and when you switch online to automatic payments, it doesn't work. Not that Humana... Read More

L
lisha r
,
9/2/2016
I work in a dental office. It took us over a year to become a network provider with Humana. They gave us the run-a-round. We submitted our paper work 8 times and then after we finally got credentialed, we learn after 3 months they THEY got our tax ID number wrong which meant we STILL weren't getting paid what we were supposed to. After numerous phone calls, and arguing with numerous different ones that WE didn't give the wrong info, that it was on THEIR end, we STILL can't get anything resolved. and God forbid that you try to get thru to anyone, because that's a job in itself. I deal with insurance companies all day and I have to say that Humana is by far the absolute WORST insurance... Read More

C
Craig S
, Illinois
8/27/2016
Borderline fraudulent insurance that hides their coverage and will stick you with the bill.

M
Michael S
Sarasota, Florida
8/17/2016
Humana One Dental insurance is garbage. Customer service is garbage, and their coverage is garbage. They claim to cover a long list of certain dental procedures but they don't even cover a deep cleaning of your teeth. Basically, if you need any dental work aside from just a regular cleaning, steer clear from this Humana crap.

B
B G
Houston, Texas
8/16/2016
Borderline fraud. The prices listed on the HI215 plan for the SPECIALTY procedures only apply if the procedure is completed by a GENERAL dentist. Most general dentists do not perform specialty procedures. If you go to a specialist, then you get up to a 25% discount on services. For example, I needed crown lengthening. The fee schedule said $35 for the consultation and $220 for the procedure. Called 3 periodontists. All said the fee schedule does not apply to them, although the Humana website lists them as in-network providers on the HI215 plan. Actual costs: $100 for consultation and >$900 for the procedure. Called Humana and Humana confirms that no specialists honor the prices... Read More

S
Susan W
8/12/2016
So disappointed with Humana Dental - Comp Benefits. My mom purchased the loyalty plus. I have documentation of payment of 20% on crowns, etc. When it was submitted, they refused payment. I've called them numerous times without any return calls or resolution.

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