Dental insurance for students

In addition to the health benefits, dental insurance can help you save on out-of-pocket costs. Here are some of the main reasons students should consider dental insurance:

Access to preventive care

Dental insurance typically covers preventive services like cleanings and X-rays, which are vital for maintaining oral health. Without insurance, these routine checkups can get expensive.

Protection against unexpected emergencies 

Accidents or unexpected dental needs like fillings, root canals or chipped teeth can happen to anyone. Dental insurance can help reduce out-of-pocket costs in emergencies.

Promotes long-term dental health

Starting good dental habits during your student years can have lifelong benefits. Regular cleanings can help prevent issues such as gum disease, which can lead to bigger health problems like heart disease and diabetes.

Cost effective for tight budgets

For students on a tight budget, dental insurance provides a cost-effective way to access essential care without financial stress.

How can you get dental insurance as a college student?

Students of all ages have several ways to get dental insurance: 

• Your parents’ plan—Some dental insurance plans allow dependents to stay covered until the age of 26.  
• Your employer—If you have a job, your employer may offer dental insurance.  
• Your school—Student health plans that may include dental coverage are available at many colleges and universities. 
• On your own—Most dental insurance plans allow people to enroll when they turn 18.

Types of dental insurance for students

There are several types of plans available for students, each with different benefits, deductibles and more. 

1. Preferred Provider Organization (PPO) plans 

PPO plans offer the flexibility to visit any licensed dentist, although services with in-network providers usually cost less. This plan is ideal for students who may move often or attend school in a different state.

2. Health Maintenance Organization (HMO) plans

HMO plans are typically more affordable but require students to choose a primary care dentist in the insurance network. The only exceptions may be for an emergency or if you’re referred to a specialist. 

3. Discount dental plans

For students on a very limited budget, discount dental plans can be a great alternative. These plans aren’t actually dental insurance—they’re annual membership programs that provide discounts on dental services. 

Factors to consider when choosing a dental plan as a student

Important factors to consider in selecting a dental plan include: 

• Network size—The more dentists in the network, the better chance you have finding 1 close to campus. Plus, you’ll save money going to in-network providers.  
• Dental plan coverage—Most dental plans cover preventive services, but if you want coverage for extras like fillings or wisdom teeth removal, make sure it’s included.  
• Costs—Check how much you’ll pay for monthly premiums, deductibles and copays.   
• Dental waiting periods—Some plans have waiting periods, which means you have to wait 3, 6 or 12 months before all dental procedures are covered.

Humana has dental insurance options for students

If you’re a student and need dental insurance, Humana can help. We offer a broad range of dental plans with varying levels of coverage, many with budget-friendly monthly premiums. To see plans and prices in your area, check out our Humana dental insurance page.