What does humana gold plus dental cover

Over 4.3 million Medicare beneficiaries choose to get their Medicare coverage from a Humana Medicare Advantage plan in 2021.1 And dental coverage is a big reason why so many people choose Humana’s Medicare Advantage plans. 

How Do Humana Medicare Advantage Plans Work?

A Humana Medicare Advantage plan (Medicare Part C) offers all of the same benefits as Original Medicare (Medicare Part A and Part B). On top of that basic coverage, Medicare Advantage plans can then provide some additional benefits for things not included in Original Medicare. 

Dental coverage is among the more popular extra benefits offered by many Medicare Advantage plans, along with coverage of prescription drugs, vision and hearing. 

Medicare Advantage plans are sold by private insurance companies like Humana and operate in much the same way as the private health insurance plans offered through employers or purchased by individuals under the age of 65.

Every year, Medicare evaluates plans based on a 5-star rating system. In 2021, 92% of all Humana Medicare Advantage plan members are in a plan rated 4 Stars or higher by the Centers for Medicare & Medicaid Services.2

When Do Humana Medicare Plans Pay for Dental Care?  

A Humana Medicare Advantage plan can provide coverage for both routine and advanced dental services. Some of the dental benefits you might find in a Humana Medicare Advantage plan include:

• Exams
• Teeth cleaning and whitening
• X-rays
• Fillings
• Crowns
• Root canals
• Extractions
• Dentures and bridges
• Orthodontics
• Dental care following an injury or illness

How Much Does Humana Medicare Advantage Dental Coverage Cost?

The cost of a Medicare Advantage plan can vary from one carrier and location to another. The average premium for a Medicare Advantage plan that includes prescription drug coverage in 2021 is $33.57 per month, and many plans are available with a $0 premium.3

Below is an example of some of dental coverage costs for 2021 Humana Medicare plans.

*The quotes listed below represent just a small sample of the Humana Medicare Advantage plans with dental coverage available in each ZIP code.

Phoenix, AZ (85001)

HMO

$0

$0

PPO

$16

0% in network; 50% out of network

PPO

$20.90

$0

Dallas, TX (75201)

PPO

$0

0% in network; 50% out of network

HMO

$0

$0

PPO

$10

0% in network; 50% out of network

Columbus, OH (43210)

PPO

$0

0% in network; 50% out of network

HMO

$20

$0

PPO

$19

0% in network; 50% out of network

Which Humana Medicare Plans Include Dental Coverage?

Humana offers several distinct types of Medicare Advantage plans, each of which may include dental coverage. 

HMO

Health Maintenance Organization plans utilize a primary care physician to coordinate your care within the plan’s network of providers and issue referrals for specialist visits. 

PPO

Humana’s Preferred Provider Organization plans grant you the freedom to see any provider you wish while offering additional savings when staying within the Humana network of providers. 

PFFS

A Private Fee-For-Service plan allows you to see any health care provider who accepts Medicare and agrees to the payment terms of the plan. 

SNP

Special Needs Plans are designed to meet the specific health care needs of someone with a particular health condition or who is dual eligible for Medicare and Medicaid. An SNP can offer benefits that are tailored to each individual. 

Am I Eligible for Humana Medicare Advantage Dental Coverage?

In order to be eligible for Humana Medicare plans with dental coverage, you must:

• Be enrolled in both Medicare Part A and Part B
• live in the service area of the plan you wish to join

Because Original Medicare doesn’t typically cover dental services, you can either pay for a standalone dental insurance plan, pay out of pocket for dental services or join a Medicare Advantage plan like one from Humana that offers dental benefits.

However, some Humana Medicare plans may cover certain dental services. Your dental coverage will depend on which Humana Medicare plan you have.

If you don’t currently have a Humana Medicare plan, you can get more information by calling a licensed sales agent4 at1-855-298-6309 1-855-298-6309 TTY Users: 711 24 hours a day, 7 days a week, or by requesting a free plan quote online, there is no obligation to enroll in a plan.

You can find out if your Humana Medicare plan may include coverage for dental care by reading the section below that correlates to your current coverage.

Humana Medicare Advantage Plans

Humana Medicare Advantage plans may include coverage for certain dental services.5

Medicare Advantage plans, like those provided by Humana, may offer some additional benefits, which can include:

• Coverage for hearing care
• Coverage for vision care
• Prescription drug coverage
• Health and wellness programs

Dental coverage is an additional benefit that some, but not all, Humana Medicare Advantage plans offer. If you are enrolled in a Humana Medicare Advantage plan with dental coverage, Humana will detail what dental services are included and what each service costs.

How Do I Find Humana Dental Providers Near Me?

Humana is one of the largest providers of dental insurance in the U.S., and there are more than 335,000 in-network dentists and specialists that accept Humana nationwide.6

You can search for a Humana dentist in your plan network by using the online “Find a dentist” search tool on Humana.com. Search Humana dental providers by name, coverage type, plan name, specialty or location. 

If you’re already a Humana plan member, you can also search for Humana dentists through the MyHumana app or by logging in to your online Humana account profile.

Does Humana Dental Cover Crowns and Oral Surgery?

Humana Medicare Advantage plans with dental benefits may help cover some routine and more advanced dental care, such as:

• Exams
• Teeth cleanings 
• Dental X-rays
• Fillings
• Tooth extractions
• Root canals
• Crowns
• Dentures

How Do I Enroll in a Humana Medicare Plan with Dental Coverage?

If you are new to Medicare, you may be able to enroll in a Humana Medicare Advantage plan during your Initial Enrollment Period (IEP). Your Medicare IEP begins three months before the month you turn 65, includes your birth month and lasts for another three months, for a total of seven months. 

If your Initial Enrollment Period has passed, you may able to sign up for a Humana Medicare Advantage plan during the Annual Enrollment Period (AEP, also called the Fall Medicare Open Enrollment Period), which lasts from October 15 to December 7 each year. If you are enrolled in a Medicare Advantage plan without dental coverage, you may be able to switch to a plan with dental benefits during this time. 

Humana Medicare Prescription Drug Plans

Humana Medicare stand-alone prescription drug plans don’t include dental coverage.6

If you need dental insurance coverage, you may be able to enroll in a private insurance plan or a Humana Medicare Advantage plan with dental coverage.

A licensed sales agent4 can help you review your Medicare coverage options and help you find a plan with dental coverage. Simply call today at1-855-298-6309 1-855-298-6309 TTY Users: 711 24 hours a day, 7 days a week, or request a free plan quote online. There is no obligation to enroll in a plan. 

Which Medicare Advantage plan has the best 2022 Dental?

What are the two most common types of dental benefits?

What is the best dental insurance in Florida?

Does Medicare cover dentures in Florida?