Humana Dental Insurance Review

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Contributor, Benzinga
April 19, 2022
Humana Dental
Overall Rating:

As one of the largest and most popular dental insurance providers in the United States, Humana offers customers a wide network of dentists, with approximately 270,000 current dental care providers. Humana dental insurance lets you save money on costs without traveling far for care. Rates for basic plans are low and include 100% coverage for preventive services. Humana can help you get the most out of your money for dental benefits. 

Best For
  • Families
  • Early retirees
  • Entrepreneurs
  • Preventive care at 100% coverage
  • Can be used with more than 270,000 dentists nationwide
  • Annual maximum benefits as low as $1,000
  • Can be used with more than 270,000 dentists nationwide

Humana Dental Ratings at a Glance

Humana Dental Insurance Policy Options

Coverage in all 50 States?No
# of Plan Options6

As one of the top dental insurance providers, Humana offers several comprehensive insurance plans. Customers can select Humana dental insurance as a preferred provider organization (PPO) or health maintenance organization (HMO). Depending on which coverage plan you choose, you can access coverage for basic procedures like fillings or x-rays and services for dentures and root canal procedures. Remember, these are not a part of other health insurance plans.

Although plan availability varies by state, Humana offers these dental insurance plans: 

The Humana Dental Preventive Plus plan allows you to choose in- and out-of-network dentists. Deductibles are as low as $50 per person and $150 per family. Plans require no copayment, and coverage extends to dental cleanings and x-rays. Under this option, preventive care with no waiting period is available. You have to wait six months for basic procedures or oral surgeries. You may pay a $1 administrative fee. If you decide to buy an annual package, Humana charges no fee.

Under the Humana Dental Value Plan (DHMO), there is a $0 deductible and 100% coverage of preventive dental services for dental benefits. Those who buy this package have no waiting period, which is especially helpful when they need major care. Affordable copays are a requirement for in-network basic and major dental procedures. The DHMO plan offers a dental fee schedule for services while allowing for you to choose a dentist from over 270,000 offices.

The Humana Dental Loyalty Plus Plan, similar to the Preventive Plus plan, offers you the ability to select both in- or out-of-network dentists with a one-time-only deductible of $150 per person and $450 per family. There is no copayment or waiting period. This might help when you need 1 or 2 major services.

With Humana’s Complete Dental Plan, you access affordable deductibles in addition to no waiting periods. After you pay the deductible, you receive free coverage for preventive care. You can also expect 80% protection on essential services such as dental fillings and x-rays. It offers 50% coverage on primary services like crowns, dentures and root canal surgery.

Humana Simple Choice Plan dental policy offers a fixed coverage cost and has no deductibles. You face no requirement to choose a dentist for the enrollment process, and you can select from over 170,000 dentists under this network. Dental costs are reduced, and you can choose a licensed dentist you prefer—often one you’ve already seen.

The best part about the Humana Dental Savings Plan is that it offers discounts for in-network dentists. It isn’t an actual insurance plan but a savings or discount plan. The plan charges a one-time $15 enrollment fee. This plan does not enforce any waiting periods. While you don’t need a primary care dentist, plans such as these ensure that you can at least make it in for semi-annual checkups.

The Humana Preventive Plus Package for Veterans is popular for military veterans. With this package, veterans can choose any dentist, either in-network or out-of-network. Charges are relatively affordable, with annual deductions equaling $50 per person and $150 per family. The yearly benefit limit is $1,000. 

The Humana Extend 2500 is an individual dental, vision and hearing plan that offers preventative, basic and major dental coverage, handles dental implants, teeth whitening and some vision and hearing coverage.

Your deductible on the Humana Extend 2500 plan is only $75 per person, but annual maximums for basic coverage are $1,000 and dental implants, while lifetime maximums for dental implants are $2,000 per person. Additional services covered include x-rays, cleanings, fluoride, sealants, emergency services, extractions and root canals. Covered major services include endodontics, dentures, crowns, surgeries, and periodontal maintenance.

The Humana Extend 5000 is similar to the 2500 plan, with individual and family deductibles at $75. Annual maximums for implants and basic care sit at $2,000 and $5,000 respectively, while the dental implant lifetime maximum is $4,000. Coverages are quite similar to the Extend 2500 plan, handling things like dental implants, teeth whitening (no waiting period), periodontal maintenance, surgeries, dentures, endodontics, emergency care, x-rays, fluoride, routine care and cleanings.

Finally, the Humana Supplemental Dental Insurance allows individuals and families to enhance their existing dental coverage. Humana has many supplemental plans that you can access online at its website.

Overall, Humana dental insurance covers a wide range of people, including individuals, families, senior citizens, small businesses, retirees and veterans, with flexibility to meet the needs of those on a strict budget. Humana’s rating for dental care coverage earns four out of five stars.

Humana Dental Insurance Customer Service

The Consumer Affairs site states that Humana dental insurance is lacking in customer service, with the majority of negative reviews on the site complaining about claim resolution. Humana’s customer service team is available by phone at 1-800-4-HUMANA (1-800-448-6262). Services are open from 8 a.m. to 8 p.m. EST Monday through Friday.

With customer reviews, Humana falls a little below average. Customer service has a reputation of being slow, with a complaint index rating of 1.82 from the National Association of Insurance Commissioners. The association’s average complaint index rating is 1. 

The Better Business Bureau (BBB) rates Humana as an A+, citing that even though complaints may be more numerous than those at other providers, Humana works to resolve issues.

Humana earns a good rating for financial strength, paying customer claims as promised. Humana’s AM Best Rating is an A.

Moody’s Investor Service rates Humana with an A1, which translates to an upper-medium rating subject to low credit risk. Meanwhile, Standard & Poor gives the company an A+ rating, and Fitch rates it as an AA.

Humana’s customer service rating equates to 3.5 out of five stars.

BBB RatingA+
AM Best RatingA
NAIC Complaint Index1.82
Moody’s RatingA1
Standard & Poor RatingA+
Fitch RatingAA

Humana Dental Insurance Pricing

Humana’s easy-to-use website makes getting a quote simple. The general prices for Humana dental insurance for dental and orthodontic care vary according to that state you reside in and the coverage option you choose. The most affordable price for a plan is around $20 per month. Should you include your family and receive more coverage, the pricing increases. Military veterans enjoy savings through specific programs, and customers can get discounts in collaboration with Humana Medicare dental and vision plans.

Humana customer pricing receives four out of five stars.

Humana Dental Insurance Claims

Humana offers six plans with comprehensive and adjustable coverage and a one-time deductible through the Humana Dental Loyalty Plus plan. The website makes it simple and fast to create, submit and track claims online. Although the claim submission process works well, online reviews show that customer service for resolving claims ranks slightly below other dental providers.

Humana Dental Insurance vs. Competitors

In comparison to other dental insurance companies, Humana ranks among the best. The company considers its customers to be its number one priority. Its affordable and flexible plans demonstrate Humana’s concern and compassion for customer well-being. 

Humana Dental Insurance Overall

The focus at Humana is on “supporting your total health with benefits and extras designed to help you live your best life. It’s not just healthcare — it’s human care.” That mission contributes to a positive user experience when you first land on its website and on the subsequent pages. The plans — and the benefits and limitations of each — are outlined on the website, with user-friendly access, attractive colors and a readable font. Its Find-a-Dentist tool lets you locate a dentist in your area, yielding a list that provides all the information you would need to make an appointment with and drive to that dental care provider.

The Humana dental insurance experience proves to be above average in most cases. Features are easy to use and follow, saving time, money and effort on the customer’s part. 

Humana dental insurance for dental and orthodontic care has many advantages. Most reviews attest that Humana is an exceptional choice because of its ability to help customers save money with attractive discounts. Its useful mobile app comes in handy for tech-savvy customers. The biggest downside to Humana is that some plans are not currently available in all states and that the potential exists for an enrollment fee with some plans. Overall, Humana dental insurance receives four out of five stars.

Frequently Asked Questions


How do you book a dentist through Humana Dental Insurance?


Use the Dentist-Finder tool on Humana’s “Find a Dentist” page. Click on the tool to access it and reply to a few simple questions regarding coverage type, zip code and network or plan name. You can find the name of your network on your member ID card. If you are not a member, you can search for a dentist by their name, and the system will generate a list of dentists near you under the Humana network.


When is my dental plan effective?


When you enroll during the Federal Open Season, the effective date is January 1. If you register outside of the open season, the effective date is the first day of the next pay period.

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Dental Insurance Methodology

To determine the best dental insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best dental insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options.

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