This package allows you to see a dentist from either in-network or out-of-network. The dental plan covers 100% of routine dental cleanings and X-rays. The main plus point is that there is no waiting period for preventive dental care. However, there is a waiting period of six months for the rest of the basic dental services and surgeries. You get an annual maximum of $1,000.00, with an annual deductible of $50.00 for every individual.
Humana Dental Loyalty Plus
This insurance plan provides 100% coverage for preventive dental care. The percentage covered for basic and major dental insurance increases each year if you keep the plan. The increases cap out in year three.
You can see any dentist you want, but you get greater savings on out-of-pocket costs by seeing an in-network dentist. Your annual maximum benefit also increases each year, up to a maximum of $1,500.00 in the third year and beyond. Annual deductibles range from $150.00 for individuals to $450.00 for families.
Humana Dental Preventive Plus
You can choose an in-network or out-of-network dentist with Humana Dental Preventive Plus. However, your out-of-pocket costs for dental services will be less when you see a dentist at URBN Dental. The regular cleanings and X-rays are covered 100% by this plan, and no copayment is taken for clinic visits.
With a small annual deductible and good price choices for preventive as well as basic and major dental care services, this plan also gives an unlimited level of coverage. Moreover, there is no waiting period for preventive dental care, while there is a six-month waiting period for basic services and surgeries.
Humana Dental Savings Plus
This type of plan is not an insurance plan but a discount plan. You get a discount when you choose a Humana in-network dentist, like URBN Dental. There are no waiting periods, deductibles, or copayments for the visits. The best thing about this plan is that you can access discounted dental care options similar to those of the other plans.
Humana Complete Dental Coverage Plan
There is no waiting period for preventive dental care. This complete plan offers 100% coverage for preventive dental care procedures like X-rays and cleanings. After the deductible, this plan covers 80% of basic procedures and 50% of major procedures.