Humana Dental Insurance Review 2021

Last modified: April 17, 2021
  • Claims 10
  • Buying 9
  • Coverage Variety 9
  • Value For Money 9
  • Transparency 8
  • OVERALL RATING 9
  • Financial Strength AA-
  • BBB Rating A+
  • Coverages 5/5
  • Discounts 5/5
  • Support Customer Service Number
  • User Ratings NAIC index rating of 1.82
  • Availability All states
  • Pricing Affordable

Humana Insurance Company is one of the most popular and largest managed healthcare insurance providers in the United States. The company offers dental insurance within its suite of insurance services. The company was started in 1961 in Louisville, Kentucky, as a nursing home, which further expanded and grew as a healthcare provider. Currently, the company employs about 50,000 people worldwide.

According to Humana Dental Insurance reviews, the company is a great place to work and has received several awards for its business practices promoting inclusiveness, equality, and diversity. The company is one of the top-most performing insurance providers in the country and has excellent scores in AM Best, Moody, and Standard and Poor’s.

Humana dental providers have one of the largest networks of dentists with an estimated 270,000 registered dentists across the states. This is very convenient since people can save money on their dental expenses without traveling far, even for specialized treatments.

How We Reviewed

This guide will cover the dental coverage and plans provided by Humana Dental Insurance. Although the company does not post its quotes and prices online, we can provide you with an estimated average and give you an idea of how to save more on your plans.

We will also study real Humana Dental Insurance reviews from customers who have used their services. In addition, this guide will help explain how to process your claims and how to cancel a dental insurance policy. Humana is always among the top providers for both dental insurance and health insurance as well.

We will also find out about Humana Dental Insurance ratings, its financial strengths, and how satisfied customers are with the company. 

Where is it Available?

As one of the largest dental health insurance providers in the country, Humana offers insurance in all 50 states, including DC, as well as Puerto Rico.

Humana Dental Insurance Plans

Humana is one of the top providers of dental insurance online. It offers comprehensive packages, which means there is something for everyone. You can select Humana Dental Insurance PPO and HMO. Depending on the type of package you choose, it can provide you coverage for basic procedures like fillings and x-rays as well as major services like dentures and root canal procedures.

The available dental insurance plans are:

Humana Dental Preventive Plus

This PPO plan allows you to choose both in and out-of-network dentists with a low $50 deductible per person and $150 per family. No copayment is required and x-rays and dental cleanings are completely covered. This plan also covers preventive care with no waiting period. However, for basic procedures or oral surgeries, you will have to wait six months.

You may also have to pay a $1 administrative fee, though it is waived if you decide to buy an annual package.

Humana Dental Value Plan

This is a DHMO plan with a $0 deductible and 100% coverage of preventive services. Consumers of this package also do not have any waiting period for dental procedures. In addition, it requires an affordable copay for in-network basic and major dental procedures.

The plan provides a Humana dental fee schedule for services and allows you to choose a dentist of your choice from over 270,000 dental offices.

Humana Dental Loyalty Plus Plan

This plan also allows you to select both in- or out-of-network dentists with a one-time deductible of $150 per person and $450 per family. The annual maximum benefits are $100 for the first year, $1,250 for the second year, $1,500 for three years or more.

The plan does not require any copayment or waiting periods.

Humana Complete Dental Plan

The complete dental care plan by Humana charges affordable deductibles and requires no waiting periods. Once you pay the deductible, you will get free coverage for preventive care. You will also get 80% coverage on basic services like dental fillings and x-rays, and 50% coverage on major services like crowns, dentures, and root canal surgery.

Humana Simple Choice Plan

This dental plan offers a fixed coverage cost and has no deductibles. You are not required to select a dentist for the enrollment process and can choose any dentist from over 170,000 providers in the Humana One Simple Choice Plan Network.

Humana Dental Savings Plus

The best thing about this plan is that it provides discounts for in-network dentists. Hence, it is not an actual insurance plan but a savings or discount plan. It requires a one-time $15 enrollment fee and provides you with a quote for services. In addition, it does not have any waiting period.

Humana Preventive Plus Package for Veterans

Military veterans can choose any dentist, either in-network or out-of-network with this package. It charges an affordable annual deductible of $50 per person and $150 for a family. The deductible does not apply to discounted services.

The annual benefit limit is $1,000 and there is no waiting period for preventive service and a six-month waiting period for basic treatments and oral surgery. Dental insurance for veterans also offers 100% coverage for preventive routine cleanings and x-rays.

Humana Supplemental Dental Insurance

Humana supplemental dental insurance allows individuals and families the opportunity to enhance their existing dental coverage if they are not being covered for a particular procedure. If you are eligible for Medicare, Humana offers optional supplemental dental coverage to your Humana Medicare Advantage plan any time of the year.

Humana offers a comprehensive list of supplemental plans which you can see here.

Humana Dental Discounts Plans

If you are looking to save on your insurance, the Humana Dental Savings plan allows you to do so. If you choose an in-network dental service provider, you can get savings up to 45%.

With this plan, you can get discounts on:

  • Humana dental and vision care, which gives you 40% off frames.
  • Hearing services, with a hearing exam free of cost from one of the 2,500+ Humana-affiliated hearing care providers.
  • Prescription discounts of an average 37% through 62,000 pharmacies across the country.
  • Alternative medicine with discounts up to 30% on chiropractic, massage therapy, and acupuncture.

Humana Dental Insurance Cost

The pricing for Humana dental insurance plans varies but the most affordable plan costs around $20. However, if you want to include your family in the plan or get more coverage, the pricing will increase accordingly. Veterans can enjoy savings through specific plans. In addition, you can also get discounts if you use other types of health care plans, like Humana Medicare dental and vision plans.

In-network savings can save you up to 45%. 

Humana Dental Claims Handling Process

There are two ways for filing a Humana dental claim: paper claim submission and electronic claim submission.

Valid National Provider Identifiers (NPIs) are required for both paper and electronic claim submission or your claim may be denied or be subjected to delays in processing.

Submitting a Claim Electronically

Humana Dental Insurance allows dental professionals and facilities to use the Portal and the electronic data interchange service to submit their claims online. In addition, you can also use Waystar to submit your claims electronically. This service also provides auto-adjudication tools that validate claims for accuracy faster than manual reviews.

Dental professionals may also file an EDI claim through their chosen clearinghouse. While submitting a claim through this channel, make sure you use Humana’s payer ID for claims: 61101.

Humana Dental Customer Service

According to the Consumer Affairs site, Humana has a not-so-impressive 1.5 ratings from customers. However, this is not an objective measure of the company’s customer service since many people only write a review when they experience bad service and not good ones. 

However, there are some positive reviews that point to great customer assistance. Negative reviews are mostly about claims denial.

To contact the customer service team, you can call the

Humana Dental Customer Service Number:1-800-4-HUMANA (1-800-448-6262)

The service is available from 8 am to 8 pm from Monday through Friday.

Humana Dental Insurance Complaints

When it comes to customer reviews, Humana fares a little below average as compared to other dental or health insurance companies. Most reviews are against the providers’ slow customer service. The company has a complaint index rating of 1.82 in the National Association of Insurance Commissioners (NAIC). The average complaint index rating is 1.

On the other hand, Humana BBB rating stands at an impressive A+. Even though the number of complaints is high, the company tries to resolve the issues with its customers.

In addition, Humana is very financially strong and is able to pay customers their claims over the long-term, which can be seen through Humana AM Best rating which is “A” (Excellent).

Moody’s Investor Service rated the insurance provider “A1,” which is an upper-medium rating subject to low credit risk. Standard & Poor’s gave it an “A+” (Strong) rating while Fitch gave it AA- or a “very strong” rating.

It was also awarded the “Highest Member Satisfaction among Commercial Health Plans” for Texas, North and South Carolina, and Georgia by J.D. Power and Associates.

 

Pros & Cons

The Pros

  • Offers six plans with comprehensive and adjustable coverage.
  • A one-time deductible through the Humana Dental Loyalty Plus plan as opposed to an annual deductible.
  • The website offers helpful resources and online features, allowing you to track claims online, find dentists, and make payments.
  • The company also has a mobile app, which is very convenient for quick claims submission.
  • Provides substantial discounts, up to 45% in some cases.
  • Discounts on Humana Medicare dental and vision plan, dental and hearing package, prescriptions, alternative medicine, and on the veteran package.

The Cons

  • Not every dental plan covers orthodontic procedures.
  • Not all plans are available in all states.
  • There is an enrollment fee, though it can be waived if you fulfil certain conditions.
  • Does not cover sealants for patients over 14 years of age.

Final Verdict

Human Dental Insurance comes with a lot of advantages as well as a few limitations and drawbacks. According to reviews, Humana is a really good choice because it can help you save money with attractive discounts. It also has a useful mobile app that comes in pretty handy to tech-savvy customers. Some downsides include that not all plans are available in all states and that there is an enrollment fee.

FAQs

How to cancel Humana Dental Insurance?

In order to cancel a Humana Dental Insurance plan, you need to call the Humana Dental Insurance customer care service. The department will be able to walk you through the cancellation process. You can also mail or fax a signed request to cancel your dental insurance plan.

How to book a dentist through Humana Dental Insurance?

Humana offers a Dentist Finder tool on its “Find a Dentist” page. Click on the tool to access it and reply to a few simple questions like coverage type (DHMO/PPO etc.), your zip code, and network or plan name. You will find the name of your network on your member ID card.

If you are not a member, just choose any of the plans you want. You can search for a dentist by their name or speciality. The system will then provide a list of dentists near you that are part of the Humana network.

The in-network dentists charge a lower fee to Humana members. Plus, Humana ensures they are qualified practitioners. Using out-of-network dentists may mean higher service fees, higher deductibles, or copays. So it is a good idea to choose your dentist from the Humana Dental Insurance Network.