Humana Complete Dental Insurance

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 117,000 dentists and specialists* in the Humana Dental PPO network.

Here are some plan benefits.

Preventive care

Preventive services covered 100% (waiting periods waived)

Basic procedures

Basic services are covered at 80% with in-network dentist (after deductible)

Major procedures

Major services are covered at 50% with in-network dentist (after deductible)

Annual maximum benefit

$1,250 first year; $1,500 second year and beyond (per person)

Annual deductible

$50 per person; $150 per family (waived for preventive care)

Waiting periods

6 months for basic services; 12 months for major services (waived with proof of prior dental insurance)

Choose any dentist

Visit any dentist, though you’ll generally save more by visiting a dentist from our PPO network

Now let’s see what this plan includes.

Coinsurance Options

Preventive Services	In-Network Coverage	Out-of-Network Coverage	Waiting Periods
Routine oral examinations (limit 2 every calendar year)	100% No Deductible	100% After Deductible(No deductible in GA, KS, LA, MS, TX)	None
Limited oral evaluation (limit 1 every calendar year)
Comprehensive oral evaluation (limit 1 every 3 years)
Bitewing X-rays (1 set of films every calendar year for covered persons age 10 and younger and up to 4 films every calendar year for covered persons age 11 and older)
Panoramic film combined with Full Mouth (limit 1 every 5 years, age 12 and up)
Cleanings (limit 2 every calendar year)
Topical fluoride treatment (limit 2 every calendar year)
Sealants (limit of 1 per tooth per lifetime, age 14 and younger)

Basic Services	In-Network Coverage	Out-of-Network Coverage	Waiting Periods
Palliative treatment of dental pain – per visit⁵	80% After Deductible	80% After Deductible	Six-month waiting period applies – policyholders who provide proof of 12 months prior coverage may be exempt from this waiting period.¹
Simple extractions and root removal
Fillings (limit 1 per tooth, every 2 years, composite covered on front teeth only²)
Space maintainers (age 14 and under, initial placement only. Age 19 and under in IL)
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 may be exempt from this waiting period.¹ Six month waiting period in Vermont
Complete dentures (limit 1 every 5 years)
Partial dentures (limit 1 every 5 years)
Denture repair and adjustments
Crowns (limit 1 per tooth every 5 years)
Onlays and Inlays (limit 1 per tooth every 5 years)
Surgical extractions
Periodontal maintenance (limit 2 every 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, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NY, OH, OK, OR, PA, SD, TN, TX, UT, VA, VT, WI, WV, WY

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. In Maine, the basic and major waiting periods only apply to those age 19 and over. In Maryland and Utah, palliative treatment of dental pain 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.

³ In Pennsylvania, the “waiting period” is called an “elimination period” and most Basic services have a 30 day elimination period.

⁴ In Texas, “In-Network” is called “Contracted Coverage” and “Out-of-Network” is called “Non-Contracted Coverage”. † Non-contracted 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 our nationwide network. Waiting periods and other limitations may apply; please see your policy for coverage details. The plans provide benefits for contracted and non-contracted dentists. Non-contracted dentists have not agreed to provide services at contracted fees. If a member sees a non-contracted dentist their out-of-pocket costs may be higher than that charged by contracted dentists. You may sometime see this referenced with the terms of in and out of network.

⁵ Vermont has no waiting period for Palliative Treatment of Dental Pain

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

View our Anti-Discrimination policy

Humana individual dental plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, The Dental Concern, Inc., CompBenefits Insurance Company, CompBenefits Insurance Company, CompBenefits Company, CompBenefits Dental, Inc., Humana Employers Health Plan of Georgia, Inc., Humana Health Benefit Plan of Louisiana, Inc., or DentiCare, Inc. (DBA CompBenefits). Discount plans are offered by HumanaDental Insurance Company, Humana Insurance Company, or Texas Dental Plans, Inc. Arizona residents insured by Humana Insurance Company. Texas residents insured or offered by Humana Insurance Company, HumanaDental Insurance Company, or DentiCare, Inc. (DBA CompBenefits).

Dental and vision plans, excluding Dental Savings Plus, may have a minimum one-year initial contract period.

Waiting periods may apply; limitations and exclusions apply.

This site contains a general summary of benefits, exclusions and limitations. Please refer to the policy for the actual terms and conditions that apply. In the event there are discrepancies with the information given in this document, the terms and conditions of the policy will govern. For more information, contact your sales agent.

Click to view Benefit Summary

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Frequently asked questions about Humana Complete Dental Insurance

What services are covered under the Humana Complete Dental Insurance Plan?

The plan offers coverage for preventive, basic, and major dental care services. Preventive services, such as routine cleanings and exams, are covered at 100% with no waiting period. Basic services, including fillings and simple extractions, are covered at 80% after a six-month waiting period. Major services, such as crowns and dentures, are covered at 50% after a twelve-month waiting period. Waiting periods may be waived with proof of prior dental insurance coverage.

How can I find a dentist within the Humana PPO network?

You can search for participating dentists and specialists through DentalPlans.com or Humana’s online provider directory, accessible on their official website. Utilizing in-network providers can help maximize your plan benefits and reduce out-of-pocket costs.

What are the annual maximum benefits and deductibles associated with the Humana Complete Dental Insurance Plan?

The annual maximum benefit is $1,250 per person in the first year and increases to $1,500 per person in the second year and beyond. The annual deductible is $50 per individual and $150 per family, which is waived for preventive care when using in-network providers.

Are there waiting periods for certain dental services?

Yes, there is a six-month waiting period for basic services and a twelve-month waiting period for major services. However, these waiting periods may be waived if you provide proof of prior continuous dental insurance coverage for at least twelve months.

How does enrollment in the Humana Complete Dental Insurance Plan work?

Enrollment is open to individuals and families seeking comprehensive dental coverage. You can enroll by calling us at 1‑833-539-0257, where you will speak with a licensed agent. Coverage typically becomes effective within 5–7 days after your application is processed.