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Prepaid/DHMO Dental insurance

The Humana Dental Prepaid/Dental Health Maintenance Organization (DHMO) plan covers the most frequently used dental services and may be a good choice for employees seeking preventive care, frequent general and specialty services.

With the DHMO-Prepaid plan, employees pay a pre-negotiated price for services provided by their primary care dentist.

Each covered family member selects a primary care dentist in the HumanaDental Prepaid/DHMO network. This dentist takes care of their dental needs and decides if they need to see an in-network dental specialist.

Key features

  • Fixed copays with a primary care dentist
  • Additional discounts may be available from in-network dentists
  • Employee access to MyDentalIQ.com, where they can create a customized, ongoing oral health plan with their dentist

Additional features

  • Doesn't cover services from out-of-network dentists, except for emergency care.
  • No deductible or copays for many preventive dental services, such as oral examinations, X-rays, cleanings, topical fluoride treatment (up to age 16, one per calendar year), and sealants (up to age 14).
  • Set copays for other covered services, including the ones listed below.
  • Office visit copayments vary by plan.

Covered services

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