Optional Benefits available with Medical plans
Get specific information and materials about this product in your state.
HumanaOne makes it easy and affordable to add optional benefits, like dental, supplemental and life benefits, at an additional cost.
Individual Dental Insurance
If your clients are approved for a health plan, they're approved for a dental plan, as well:
Traditional Plus Dental Option:
Includes coverage for preventive, basic, and major services. Your clients can go to network or non-network dentists, but they'll pay less when they choose dentists in the network.
- Preventive services - 100%, no deductible, including oral examinations and routine cleanings
- Basic services - 0% after deductible
- Teeth-whitening services - 50% after deductible (not available in Florida)
- Major services - 50% after deductible
- Orthodontia discount - up to 20% discount if they visit an orthodontist from the HumanaDental PPO network and ask for the discount
Preventive Plus Dental Option:
The Preventive Plus Plan covers the most common preventive and basic services. Discounts are available for major services and basic services the plan doesn't cover.
- Preventive services - 100%, no deductible, including oral exams and routine cleanings
- Common basic services - 50% after deductible
- Major & orthodontia services discounts - (where available)
HumanaOne Dental Prepaid C550 Option:
With a HumanaOne Dental Prepaid C550 plan, your clients will get benefits and services at rates they can afford:
- No waiting periods
- No annual deductible or maximum on benefits paid
- No claims to file
- Freedom to choose any participating dentist as your primary care dentist
- 100-percent coverage on many services you get from a network provider, like routine cleanings, X-rays, topical fluoride treatments, oral exams, and local anesthesia (after the office visit copay)
Individual Life Insurance
With HumanaOne's convenient joint application, your clients can apply for both a health plan and term life insurance at the same time. If your clients are approved for a health plan, they're approved for a life plan, as well.
- Competitive rates
- 10, 15, and 20-year level premiums
- Face amounts of $25,000 to $150,000
- Renewable to age 95 after the level premium period
- Rates guaranteed for the full coverage period; premiums after the initial level-premium period will increase annually, but are also guaranteed
- Applications often are approved within 48 hours
Supplemental Accident Benefit *
Your client can choose from one of two benefit levels, and each person on the plan receives the benefit. The benefit pays up to the first level selected of covered expense per accident at 100 percent, and then the base plan benefits apply. The treatment of an accident must be administered within 90 days of the accident. When purchased, this optional benefit is attached to and made a part of your client's plan. Plan exceptions, terms, conditions, and limitations may apply.
* This benefit is available in all states where these products are sold.
