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Getting the most from full-coverage dental insurance

What you need to know about full-coverage dental insurance

The term “full coverage” can mean different things to different people. For some, “full coverage” means a dental insurance plan that covers basic services like routine checkups, cleaning and X-rays. Others expect a full-coverage plan to reduce the cost of any dental services they may need. The good news is that Humana has a range of dental plans, including both dental insurance and dental discount plans, so you can find the coverage that best fits your needs.

Choosing a plan that’s right for you depends on many factors, including the ages and number of people in your family, and whether you or a family member needs orthodontic care. Some dental plans provide low copays, while others provide discounts on services. No matter which plan you select, you’ll have access to a large network of dental providers.

How to choose the right dental insurance

Humana offers a variety of dental plan options. When considering whether to choose a dental insurance or a dental discount plan, you’ll want to think about your needs and preferences.

With a dental insurance plan, you pay premiums, co-pays and/or deductibles, and the insurance pays the remainder directly to the dentist.

In a dental discount plan, you enjoy discounts for services at participating dentists. You simply pay the dentist directly for your services at a discounted price.

Tips for choosing a plan:

  • Estimate your future dental needs. Consider whether you or a family member will need major dental work or oral surgery. Or maybe you just want basic, preventive care like regular checkups and cleanings.
  • Find a plan your dentist accepts. If you have a particular dentist you’d like to continue seeing, check to see that she or he accepts the plan you are considering.
    Visit our Dentist Finder
  • Consider your budget and how much you are comfortable paying. Decide whether you’d prefer to pay premiums and co-pays over time, or pay the full amounts to the dentist all at once.

Did you know?

You can save up to $35 when you combine dental and vision!

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Good dental health will help you maintain your healthy smile for years to come. Find a dentist today.

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