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Humana Complete Dental Insurance

Find plan availability & pricing in your area by entering in your ZIP code below:

Questions? Call 1-877-242-1463

Humana Complete Dental Insurance

  • Annual Deductible
    $50 per person or $150 per family
  • Annual Maximum Benefit
    $1,250 Year 1; $1,500 Year 2 and after, per individual on the plan

Program Summary

The Humana Complete Dental Insurance is designed for people who are looking to maintain their oral health through regular dental exams and cleanings. The plan offers affordable coverage for preventive, basic and major services like routine cleanings and exams, fillings, dentures and extractions. Choose from one of the more than 270,000 dentist locations in the Humana Dental PPO network.

  • No waiting periods for preventive care
  • Waiting periods waived with proof of prior dental insurance
  • Preventive services covered 100%
  • Basic services covered 80% with in-network providers (after deductible)
  • Major services covered 50% with in-network providers (after deductible)

There is a one-time deductible of $50/person or $150/family—but use in-network providers for preventive services and there is no deductible!

Benefit In-Network Out-of-Network
Individual annual deductible $50 per person
(waived for preventive services)
$50 per person

Family annual deductible

$150 per family
(waived for preventive services)
$150 per family
Annual Benefit Maximum $1,250 year 1
$1,500 year 2+
$1,250 year 1
$1,500 year 2+
Humana Complete Dental Insurance

Find plan availability & pricing in your area by entering in your ZIP code below:

Coinsurance Options

Preventive Services In-Network Coverage Out-of-Network Coverage Waiting Periods
Routine oral examinations (limit 2 per year) 100%
No Deductible
100%
After Deductible
None 
Limited oral evaluation (limit 1 per year)
Comprehensive oral evaluation (limit 1 per 3 years)
Bitewing X-rays (1 set of films per year for covered persons under age 10 and up to 4 films per year for covered persons age 10 and older)
Panoramic film combined with Full Mouth (limit 1 every 5 years, age 12 and up)
Cleanings (limit 2 per year)
Topical fluoride treatment (limit 2 per year)
Sealants (limit of 1 per tooth per lifetime, age 14 and under)
 
Basic Services In-Network Coverage Out-of-Network Coverage Waiting Periods
Emergency care for pain relief 80%
After Deductible
80%
After Deductible
Six-month waiting period applies - policyholders who provide proof of 12 months prior coverage are exempt from this waiting period.1
Extractions and root removal
Fillings (limit 1 per tooth, per 2 years, composite covered on front teeth only2)
Space maintainers (age 14 and under, initial placement only)
Minor restorative services—Silver and white fillings
Prefabricated stainless steel crowns
 
Major Services In-network dentist Out-of-network dentist Waiting Periods
Endodontics - Root canals (limit 1 per lifetime, per tooth) 50%
After Deductible
50%
After Deductible
Twelve-month waiting period applies - policyholders who provide proof of 12 months prior coverage are exempt from this waiting period.1
Complete dentures (limit 1 per 5 years)
Partial dentures (limit 1 per 5 years)
Denture repair and adjustments
Crowns (limit 1 per tooth per 5 years)
Onlays and Inlays (limit 1 per tooth per 5 years)
Oral surgery
Periodontal maintenance (limit 2 per year) - no waiting period for this service.
Periodontal scaling and root planing (limit 1 per quadrant every 3 years) - no waiting period for this service.
 
Maximums and Deductible
Maximum Year 1: $1,250
Year 2: $1,500
Deductible $50 individual
$150 family
States Offered AL, AR, AZ, CA, CT, CO, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NM, NY, OH, OK, PA, TN, TX, UT, WI

Out-of-network dentists can bill you for charges above the amount covered by your Humana Dental plan. To ensure you do not receive additional charges, visit a dentist in the Humana Dental PPO Network. Waiting periods and other limitations may apply; please see your policy for coverage details.

Footnotes
1 Prior coverage is defined as an insurance plan that offered coverage and benefits. Discount dental plans are not considered prior coverage. Tennessee has no waiting period.
2 Composite (white) fillings are only covered on anterior (front) teeth. An alternate benefit is allowed for composite fillings on posterior (back) teeth where the plan will cover the cost of an amalgam (silver) filling and the member is responsible for any cost over the covered amount.

Humana Complete Dental Insurance

Find plan availability & pricing in your area by entering in your ZIP code below:

Additional Plan Information For Humana Complete Insurance Plan

Annual Maximum

This is the maximum amount that the plan will pay in a calendar year

  • $1,250 Year One, per individual on the plan
  • $1,500 Year Two and after, per individual on the plan

Calendar Year Deductible

This is the amount you will pay out-of-pocket for services in a calendar year

  • Individual - $50 (deductible waived for in-network preventive services)
  • Family $150 (deductible waived for in-network preventive services)

Out of Network Coverage

Out-of-network dentists can bill you for charges above the amount covered by your Humana Dental plan. To ensure you do not receive additional charges, visit a dentist in the Humana Dental PPO Network. Waiting periods and other limitations may apply; please see your policy for coverage details.

Humana Complete Dental Insurance

Find plan availability & pricing in your area by entering in your ZIP code below: