Humana Dental Insurance Reviews: Get the best dental plans

Updated: November 9, 2022
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Humana Dental Insurance reviews state that the organization is a terrific place to work and has received multiple awards for its equality and business policies promoting inclusiveness and diversity. Humana Insurance Carrier is one of the most well-known and largest managed healthcare insurance companies in the U.S Within its portfolio of insurance services; the organization provides dental insurance. In today’s blog post (newhealthinsurance.com), we will see whether Humana is good dental insurance or wrong and the reviews got from the customers.

Humana Dental Insurance Reviews: History of Humana

Humana, founded in 1961, is headquartered in Louisville, Kentucky. It provides several insurance products, such as

  • Medicare
  • Medicaid
  • Dental
  • Pharmacy
  • Vision

Humana has been certified by the Committee on Operating Rules for Information Exchange, which standardizes the information carriers communicate to providers in order to save costs, improve claim payment accuracy, and reduce administrative difficulties. The National Committee for Quality Assurance has accredited the company, which promotes accountability, transparency, and best practices in health care coverage.

Humana Dental Insurance

Dental insurance Humana can be acquired as an individual coverage policy or via your employer’s group healthcare program. You can save money by seeing an in-network dentist; however, if you require an expert visit, you will not need a referral from your primary care dentist. PPO & DHMO policies are available, as are $0 deductibles, zero copays, and the freedom to select your own dentist with most policies. Outside of the preferred provider network, the fees for seeing a dentist is higher than those within the network.

Humana Dental Insurance Reviews at a Glance

Overall Ratings Financial Strength BBB Rating Coverage Discounts Support User Ratings Availability Pricing
9 AA- A+ 5/5 5/5 Customer Service Number NAIC index rating of 1.82 All states Affordable

Humana Dental Insurance: Where Do You Get It

Humana, one of the country’s leading dental health insurance companies, provides coverage in all 50 states, including Washington, Texas, as well as Puerto Rico.

Humana Available Dental Insurance Plans

Humana insurance dental options include the following:

Humana Dental Preventive Plus With a modest $50 deductible per individual and $150 per family, this PPO plan allows you to choose between in-network and out-of-network dentists. There are no x-rays, copays, and dental cleanings, and dental cleanings are fully covered. This plan also includes no waiting period for preventive care. On the other hand, basic operations like oral surgery will require a six-month wait. There may also be a $1 administrative charge, which is eliminated if you purchase a yearly package.
Humana Dental Value Plan This is a DHMO policy with zero deductible & full preventive care insurance. This bundle also includes no waiting period for dental services for customers. Furthermore, it necessitates a reasonable fee for in-network basic and major dental services. The plan consists of a Humana dental cost schedule for services and allows you to pick a dentist from over 270,000 locations.
Humana Dental Loyalty Plus Plan With a one-time deductible of $150 per individual & $450 for each family, you can choose between out-of-network and in-network dentists. The maximum yearly benefits are $100 for the first year, $1,250 for the next year, and $1,500 for more than three years. There are no copayments or waiting periods with this plan.
Humana Complete Dental Plan Humana’s comprehensive dental care plan has low deductibles and no waiting periods. After you pay the deductible, you will receive free preventive healthcare insurance. In addition, you will receive 80% insurance for basic treatments such as x-rays and 50% coverage and dental fillings for effective procedures such as dentures, crowns, and root canal surgery.
Humana Simple Choice Plan This dental plan has no deductibles and a balanced coverage cost. You are not forced to pick a dentist during the enrollment process and can select any dentist from the Humana One Simple Choice Plan Network of over 170,000 providers.
Humana Dental Savings Plus

The most significant feature of this plan is that it offers discounts to in-network dentists. As a result, it is a savings or discount plan rather than an insurance package. It charges a one-time $15 enrollment fee and gives you a service quote. Furthermore, there is no Humana dental insurance and no waiting period.
Humana Preventive plus Package for Veterans

With this package, military veterans can visit any dentist, out-of-network or in-network. It has a reasonable annual deductible of $50 for people and $150 for families. Discounted services are exempt from the deductible. There is a $1,000 yearly benefit cap, no waiting period for preventative services, and a six-month waiting period for essential treatments, including dental surgery. Dental insurance for veterans also covers preventive regular cleanings and x-rays at no cost.
Humana Supplemental Dental Insurance Humana supplemental plans (dental insurance ) enable families and individuals to increase their current dental coverage if they are not covered for a specific service. Humana adds optional extra dental coverage to your Humana Medicare Advantage program at any time of year if you are eligible for Medicare.
Humana Dental Discounts Plans

If you want to save money on your coverage, the Humana Dental Savings plan is for you. You can save up to 45% if you use an in-network dental treatment provider. With this package, you can save money on the following:
  • Humana vision and dental care, with a 40% discount on glasses.
  • Hearing services, including a free hearing exam from one of the 2,500+ Humana-affiliated hearing care providers.
  • Prescription savings of up to 37% are available at 62,000 shops around the country.
  • Massage therapy, Chiropractic, and acupuncture are all available at up to 30% off.

Additional Programs Offered by Humana Dental

Humana provides the following services to individuals and families in addition to dental plans:

  • Health insurance plans
  • Pharmacy benefits
  • Medicare and Medicaid plans

humana dental insurance reviews

Humana Dental Insurance Reviews: Complaints about Humana Dental Insurance

Humana dental insurance providers rank slightly lower than other dental and health insurance providers in terms of client satisfaction. The majority of reviews criticize the suppliers’ delayed customer assistance. The National Association of Insurance Commissioners states that the company has a complaint index rating of 1.82. (NAIC). The average complaint index score is one.

Humana BBB rating, on the other hand, is an outstanding A+. Despite the significant amount of complaints, the company attempts to settle the issues with its clients. Furthermore, Humana is very financially sound and can fulfill customers’ claims in the long run, as seen by Humana AM Best’s “A” rating (Excellent). Humana BBB rating, on the other hand, is an outstanding A+. Despite the significant amount of complaints, the company attempts to settle the issues with its clients.

Furthermore, Humana is very financially sound and can fulfill customers’ claims in the long run, as seen by Humana AM Best’s “A” rating (Excellent). Moody’s Investor Service assigned the insurance company an “A1” rating, which is an upper-medium rating with low credit risk. Standard & Poor’s rated it “A+” (Strong), while Fitch rated it “A.A.-,” or “extremely strong.” J.D. also named it as having the “Highest Member Satisfaction among Commercial Health Insurance policies” in North and South Carolina, Texas, and Georgia. Power & Associates

Cost of Humana Dental Insurance Plans

Humana dental insurance plans vary in price; however, the lowest affordable coverage for adults or individuals costs approximately $20. However, if you wish to include your family or obtain extra coverage, the cost will go up proportionally. Veterans can save money by participating in specific plans. Furthermore, you may be eligible for discounts if you utilize other types of health care insurance, such as Humana Medicare vision and dental coverage. Savings from in-network providers might amount to up to 45%.

Humana Dental Claims Handling Process

A Humana dental claim can be filed in two ways: on paper or electronically. Valid National Provider Identifiers (NPIs) are necessary for both paper and electronic claim submissions; otherwise, your claim may be refused or delayed.

Submitting a Claim Electronically

Humana’s best Dental Insurance makes it possible for dental practitioners and facilities to submit claims electronically via the Portal and the electronic data interchange service. You can also utilize the Materials available to submit claims online. This service also includes auto-adjudication capabilities, which allow claims to be validated for accuracy faster than manual evaluations. Dentists can also offer an EDI claim to their preferred clearinghouse. When submitting a claim using this method, use Humana’s payer ID.

Humana Dental Insurance Reviews: Customer Service

Humana receives an unsatisfactory 1.5 rating from customers, according to Consumer Affairs. However, it is not an objective analysis of the company’s customer service because many customers only post reviews when they receive poor service and not when they receive outstanding service. However, there are some favorable reviews indicating excellent customer service. The majority of negative reviews concern claims denial. You can reach the customer service staff by dialing 1-800-4-HUMANA is the Humana Dental Customer Service number (1-800-448-6262). The service is offered  Monday to Friday from 8 a.m. to 8 p.m.

Humana Dental Insurance Reviews: Pros & Cons

Pros

Cons
  • The Humana Dental Loyalty Plus plan has a one-time deductible rather than a yearly deductible.
  • The website provides useful tools and online services, such as the ability to monitor claims, make payments & identify dentists.
  • Some plans are not accessible in all states.
  • Six options with extensive and flexible coverage are available.
  • There is an enrollment fee, which can be waived if certain conditions are met.
  • The company also provides a smartphone app, which is quite helpful for submitting claims quickly.
  • Sealants are not covered for patients beyond the age of 14.
  • Humana Medicare dental and vision plan, hearing and dental package, medications, alternative medicine, and veteran package discounts
  • Offer significant reductions, up to 45% in some situations.

Humana Dental Insurance FAQs

Is Humana good dental insurance?

The company is one of the best-performing insurance companies in the country, with high ratings from Moody’s, AM Best, and Standard and Poor. With an estimated 270,000 certified dentists across the US, Humana dental providers have one of the largest networks of dentists.

Who Takes Humana Dental Insurance?

Humana is for you if you are a fresh college graduate,  early retiree, entrepreneur, or for any other reason not insured through your work.

Does Aspen Dental Take Humana Insurance?

Humana is one of the insurance plans accepted by Aspen Dental.

Does Humana Dental Insurance Cover Braces?

Humana insurance coverage does not cover Brace or other orthodontic treatments. However, they will frequently provide discounts if you visit an in-network dentist or orthodontist, including Brace.

Does Humana Dental Insurance Cover Invisalign?

Humana insurance coverage does not cover Invisalign or other orthodontic treatments. However, they will frequently provide discounts if you visit an in-network dentist or orthodontist, including Invisalign.

Does Humana Dental Insurance Cover Crowns?

Many dental insurance policies will cover up to 50% of the cost of more costly dental work, such as dentures or crowns.

 

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