Why Dental Insurance?
Taking care of your oral health is not a luxury, it is a necessity to long-term optimal health. Dental insurance can greatly reduce your costs when it comes to preventative, restorative, and emergency procedures. Review the plan benefits to the right to see which option is best for you and your family’s dental needs. A range of procedures may be covered, such as:
- Comprehensive Exams
- Cleanings
- X-Rays
- Fillings
- Tooth Extractions
- General Anesthesia
- Crowns
- Root Canals
Dental Plan Options
Humana Dental Low – MAC
- Best value if you use an in-network dentist. Out-of-network dentists may balance-bill you heavily.
Humana Dental Mid – PPO 80%
- Standard out-of-network protection. Covers up to the 80th percentile of local dental fees if you go out-of-network.
Humana Dental High – PPO 90%
- Strongest out-of-network protection. Ideal if your preferred dentist is out-of-network.
** All three are PPO plans. The main difference is how the plan determines the amount it will recognize and reimburse for a dental procedure. A MAC plan uses a fixed fee schedule, while UCR plans base reimbursement on customary fees charged in the local area. Between the UCR options, a 90% UCR plan generally provides better out-of-network reimbursement than an 80% UCR plan because it uses a higher allowable fee, which can result in lower out-of-pocket costs for the member.
