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Medicare’s Open Enrollment Period: What you need to know
From Oct. 15—Dec. 7 each year, people with Medicare can make changes to their coverage for the following year.
Dental insurance plans can help cover the costs of
Here’s a look at what these terms mean, how they’re different and more.
A copay, short for copayment, is the amount you pay out-of-pocket for a dental service. Copays are usually a set price and the amount can depend on your plan and the service you receive. For example, you may have a $20 copay each time you get a cleaning, and a $40 copay to get services like a
You pay the copay directly to your dentist at the time of service.
Coinsurance is the percentage of costs you pay for dental services after you've met your deductible. For example, if you’ve met your deductible, your dental plan might pay 70% of the cost for a
Your dentist will typically send you a bill for your coinsurance days or weeks after your visit.
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Here are some common differences of copays and coinsurance to consider:
Copay | Coinsurance | |
Time of payment | The day of your visit | Days or weeks after your visit |
Dollar amount or percentage
| Typically, a dollar amount
| Typically, a percentage
|
Set price
| Yes, for most plans
| No, percentage can vary
|
Go toward deductible
| No, not for most plans
| No
|
Go toward out-of-pocket max
| Yes
| Yes
|
An out-of-pocket maximum is the most you’ll pay for in-network dental services in a plan year. Once you reach your out-of-pocket maximum, your dental plan will pay 100% of the costs for in-network covered services. For example, if your out-of-pocket maximum is $3,000, you only pay up to $3,000 for that year. Every dollar charged after that for in-network covered dental expense will be paid by your dental plan. And, since copays and coinsurance are both out-of-pocket costs, they both count toward your out-of-pocket maximum.
At Humana, you can choose from a variety of plans to find the best copays and coinsurance for your needs. To explore plans and prices in your area, check out our
Maybe. It will depend on your plan and what procedure you’re getting done.
No. Most dental plans have either copays or coinsurance. Not both.
Yes, but they must exceed 7.5% of your adjusted gross income for the year.1
Dental care
How to brush teeth properlyDental care
Dental healthcare for seniorsDental procedures
Cost of common dental proceduresFrom budget-friendly monthly premiums to low office-visit copays, Humana has a dental plan that is sure to fit your needs.
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