Overview
If you’re looking for a dental PPO plan, this one is low-cost and provides coverage for preventive care, such as cleanings and X-rays, and offers discounts on basic and major services. Plus, there are no copayments for office visits.
With the Preventive Plus plan, you can choose to visit any dentist in the Humana dental network. There are more than 120,000 in-network dentists nationwide to choose from. Even though you have the option of paying monthly or yearly, this is a one year plan.
Humana Preventive Plus Plan Highlights include:
- 100% coverage for preventive services
- No waiting period for preventive services; six month wait for basic services
- Freedom to Choose Any Dentist
- $1,000 annual maximum per person per year
- No exclusions for pre-existing conditions
- Available for all ages including seniors over 65
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Plan Features
- No copayments for office visits
- Annual Deductibles: $50 for an individual, $100 for a two person plan, $150 for a family
- Most preventive services covered 100 percent with in-network providers
- With in-network providers, many basic services are covered 50 percent and you get a discount on most major services
- No waiting period for preventive services; 6 month wait for basic services
- $1,000 annual maximum per person per year
- No exclusions for pre-existing conditions
- Freedom to visit any provider, no primary care dentist required
Benefit Summary
| Plan Feature | In-Network | Out-of-Network |
|---|---|---|
| Deductible | $50 individual / $150 family | |
| Annual Maximum Benefit | $1,000 per person | |
Preventive Care – No waiting period
| 100% (no deductible) | 70% of in-network fee schedule after deductible |
| Basic Services – 6 month waiting period
| 50% after deductible | 30% of in-network fee schedule after deductible |
| Discount Services – no waiting period
| Receive an average discount of 28% by seeing in-network dentists. | Not available |
Procedure Prices
| Dental Services | Coverage Level |
|---|---|
| Routine Evaluation | 100% |
| Routine Cleanings | 100% |
| X-rays | 100% |
| Extractions | 50% after deductible |
| Oral Surgery | 50% after deductible |
| Fillings | 50% after deductible |
Preventive Plus Rates
| Fee | Price |
|---|---|
| One-Time Enrollment Fee | $35.00 (total) The fee for both 1 person or 4 persons is $35. |
| Monthly Premium (1 person) | $21.99 |
| Monthly Premium (2 persons) | $42.23 |
| Monthly Premium (3 persons) | $64.47 |
| Each additional dependent under 22 | $22.24 per month |
| Each additional dependent over 22 | $20.24 per month |
| Admin Fee (Included in rates above, waived if you pay yearly) | $1.00 |
| Monthly Association Fee (PBA) (Included in rates above) | $0.75 |
Effective Dates
Dental Preventive Plus effective dates are calculated as follows:
- Regardless of when an application is received for these plans, the policy will have an effective date of the 1st of the following month.
- Example: Application received on May 10th will have an effective date of June 1st.
- If application is received between the 16th and end of the month, the policy effective date will be the 1st of the 2nd following month (the month after the following month).
- Example 1: Application received May 18th for processing will have a policy effective date of July 1st.
- Example 2: Application received on May 31st will have an effective date of June 1st.
Can I Terminate My Coverage at Anytime?
No, there is a one year contract with these plans. However, Dental Preventive Plus, Vision Care Plan and Vision Focus Plan members can terminate their coverage within the first 10 days of their effective date, but they will only be refunded their premium (not enrollment fee) and will be responsible for any claims incurred during this time. After the 10 day window, cancellations are not accepted unless for approved exceptions.
Payment Options
Payment options include monthly and annual bank draft, monthly and annual credit card payments (Visa and Mastercard), and monthly and annual bills.
After Enrollment
After enrollment, members will receive a welcome packet and ID cards 7-10 days after the application is received and enrollment is processed, and should bring their ID cards with them when visiting the dentist. Members should inform their provider of their plan when scheduling their appointment to avoid any issues at the time of service.
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