Published: 7/18/2022

Most Affordable Plan Options

Humana dental insurance plans are some of the most affordable available. With premiums as low as $19 per month and coverage of up to half for complex dental procedures, a policyholder’s out-of-pocket expenses are typically very moderate with these plans. Plus, Humana also offers discount dental plans for those who don’t need a standard insurance option. 

With annual maximums well above most competing companies and low deductibles, Humana dental insurance easily outscored the competition in most categories. When shopping for the best dental insurance, a large network of providers and affordable care make Humana one of the best dental insurance companies with plans available in every state. 

Pros and Cons of Humana Dental Insurance

Humana’s dental insurance catalog is one of the most comprehensive, with plans available in all three basic categories: PPO, HMO and indemnity. All plans aren’t available in all locations, which does make shopping for Humana coverage complex. In general, Humana is a top dental insurance provider, but there are some pros and cons to choosing this company. 


  • Humana offers every type of dental insurance plan.
  • Copays and deductibles are industry-standard with shorter-than-average wait times.
  • In-network options include more than 335,000 providers.


  • Humana has a relatively low AM Best rating of A-.
  • Dental coverage has some fine print regarding exclusions.
  • Annual coverage maximum isn’t the highest available.

Overview of Humana Dental Insurance

Humana has been offering dental insurance products since 1961, giving the company plenty of experience developing a large network of quality dental professionals. It offers HMO and PPO plans, though HMOs are becoming rare and are only offered in eight states. The company has PPO plan options in all 50 states and a discount dental option in 43 states. 

Overall Score (1-5 Scale) Company Reputation and Reliability Plan Variety PPO Coverage Limitations PPO Costs Dental Insurance Alternatives 
Humana 4.6 3.34 10 10 5 10

How Much Does Humana Dental Insurance Cost?

The scope of coverage needed plays an important role in determining the cost of dental insurance. Humana plans for seniors start at $19 per month for preventive care, while more comprehensive coverage begins at $44 per month. Loyalty PPO plans offer a mid-range price tag starting at $28 per month, but benefits increase each year the plan stays active. Comprehensive plans may have wait times before more complex dental procedures are covered, but these plans often offer preventive care from the first day of the policy. 

Full Review of Humana Dental Plan’s Features

Seniors have a fair amount of flexibility when shopping for Humana dental plans. However, Humana plans can differ dramatically based on the location of the applicant, so be sure to check on plan changes after a move. 


Any senior can sign up for a Humana dental plan, though prices and coverage vary based on location. For example, complete dental plans that include preventive care from day one with no waiting period are available in 32 states and the District of Columbia. 

Plan Details

Humana has many different plans, so it’s important to look at all of the covered services to determine which is best for your mouth. With eight plans to choose from, all offering different levels of coverage, seniors should be sure that any dental service they need is part of the plan they choose. 

Bright Plus

Loyalty Plus

Dental Value

Preventive Plus

Complete Dental

Dental Savings Plus

Preventive Value

Preventive Care



Set fee schedule



20-40% Savings


Basic Care



Set fee schedule



Service discounts available


Major Care

Not covered


Set fee schedule

Service discounts available


Service discounts available

Not covered

All coverage amounts assume an in-network provider. For those who have a preferred dentist who accepts out-of-network insurance, there may be a reduction in the amount the insurance pays. Plans like the Dental Savings Plus option aren’t traditional insurance. Instead, these are dental discount plans that offer negotiated rates for covered services. These plans are often less expensive than traditional insurance and have no waiting period or deductible.

Coverage Waiting Periods

Preventive dental care typically includes an exam, teeth cleaning, fluoride treatments and may also cover X-rays and oral evaluations. Humana’s dental plans all offer full coverage from the start of the plan for preventive care. Basic care (fillings, simple extractions, pain relief, and so on) coverage may kick in after 90 days or 6 months, depending on the plan. On the Bright Plus plan, coverage is available after a 90-day waiting period, while seniors on the Complete Dental plan might need to wait 6 months for basic coverage and 12 months for major dental work. 


There’s no deductible with Humana dental plans to get started with preventive care and get an exam. For basic care, the deductible goes up to $50 for an individual and $150 for a family with most plan options. Some plans offer a lifetime deductible, which is higher, but after the lifetime deductible is reached, policyholders never pay it again as long as the policy remains active. Once the deductible is met, seniors pay between 20-50% of the negotiated cost of a dental procedure, depending on their specific plan. 

Annual Maximum Coverage

Every HMO and PPO dental plan comes with a maximum annual benefit amount. Most Humana plans will pay up to $1,000 per year per patient enrolled. With the Loyalty Plus plan, seniors can get up to $1,500 in covered costs per year after they’ve had an active Loyalty Plus plan for at least 3 years. 

Who Should Consider Humana Dental Insurance?

Seniors With a Preferred Dentist

One of the benefits of a Humana PPO plan is the flexibility to select a care provider of choice. While in-network providers offer the highest level of insurance coverage, seniors can work with out-of-network dentists. Additionally, Humana’s network of more than 335,000 dental offices means that many dentists may be considered in-network, allowing seniors to continue working with a trusted dental advisor at maximum coverage levels. 

Seniors With Good Teeth

Many Humana dental plans are designed to help reduce the need for major dental procedures. Two annual exams and regular teeth cleaning are part of the preventive services covered with no deductible or out-of-pocket costs. Seniors who have good teeth and need little in the way of dental care may enjoy the preventive dental services that can help them keep their smiles looking as young as they feel.

What Are People Saying About Humana Dental Insurance?

Humana scores well on the J.D. Power Dental Insurance Customer Satisfaction survey, with a total score of 793. While it isn’t the very best score, the highest rating was very close at 810. It scores well mainly due to the variety of plan options and responsive customer service. 

One of the main complaints many patients have is denied claims. Dental offices may make mistakes when billing for covered services or bill for services that the insurance specifically excludes. In those instances, patients get a bill that is vastly different from the amount stated during their procedure. Working with Humana and their dentists allows most of these claims to be resolved quickly and easily. 

Frequently Asked Questions

How Much Does Dental Insurance Cost for Seniors? 

Humana dental insurance plans for seniors start at $19 per month and can exceed $45 per month, depending on the level of coverage and where the senior lives.

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Why Should Seniors Consider Dental Insurance? 

Dental health is a part of holistic health. Many major medical conditions have been linked to dental health, including heart disease, diabetes, respiratory illnesses and rheumatoid arthritis. 

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Does Dental Insurance Include Coverage for Oral Surgery?

Some Humana policies cover oral surgery when required. In general, preventive or basic plans don’t cover oral surgery or complex extractions. 

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Does AARP Have Dental Insurance? 

Yes, AARP does offer a dental insurance plan in partnership with Delta Dental. 

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What Is the Best Dental Insurance With No Waiting Period? 

Humana’s dental HMO is its most comprehensive coverage option that also has no waiting period. With HMO coverage, there’s no specific discount, but patients never pay more than the set amount for a given procedure. 

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