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DHMO-Prepaid Plan overview

Our HumanaDental Dental HMO/Prepaid plan is a copay-based network-only offering that requires selection of a primary care dentist. Each family member on your plan can choose his or her own dentist. Because services are prepaid, you have clear upfront costs. There are no yearly maximums, no deductibles, and no waiting periods.

How it works

Your primary care dentist is the key

With the DHMO-Prepaid plan, you pay a pre-negotiated price for services provided by your primary care dentist. Each covered family member selects a primary care dentist in the HumanaDental Prepaid/DHMO network. This dentist takes care of the member's dental needs. Your primary care dentist may decide that you need to see an in-network dental specialist.

The plan doesn't cover services from out-of-network dentists, except for emergency care.

The DHMO-Prepaid plan has no deductible or copays for many dental preventive services provided by your primary care dentist. These services include oral examinations, X-rays, cleanings, topical fluoride treatment (up to age 16, one per calendar year), and sealants (up to age 14). The plan has set copays for other covered services, including the ones listed below. Office visit copayments vary by plan. Depending on your plan, copays may vary based on the type of dentist you go to (general dentist or specialist), too. To see your specific plan benefit details, sign in to MyHumana.

  • Basic services – Space maintainers (up to age 14), emergency care for pain relief, extractions, fillings (amalgams, composite for anterior teeth), and prefabricated stainless steel crowns
  • Major services – Crowns, inlays and onlays, bridgework, dentures, denture relines and rebases, denture repair and adjustments, complete oral surgery, periodontics (gum therapy), and endodontics (root canals)
Your employer's plan may include optional benefits such as:
  • Coverage for in-network specialists in addition to general dentists (“HS” plans)
  • Choice of orthodontia coverage

Be sure to review your plan certificate for important plan information such as covered benefits and deductibles.

Plan Tools

Plan tools to maximize your value

Sign in for MyHumana tools

Visit your secure website on Humana.com to:
  • View details about your dental plan
  • Get details about your dental claims
  • Check estimates and authorizations

To access these tools and more, sign in to MyHumana

If you haven't signed up for your secure website yet, register for MyHumana now

Find a network dentist

To look up providers in Humana's dental network, use our Dentist Finder

Refer a dentist

Is your dentist missing from our network? To help us get your dentist on our participation list, refer a dentist

Get proof of coverage

If you don’t have your HumanaDental ID card, you can download temporary proof of coverage .

Quiz yourself with My Dental IQSM

The dental health risk assessment immediately rates your dental health knowledge and delivers a personalized action plan with health tips. Print a copy of the scorecard to discuss with your dentist. Visit My Dental IQ

Check our dental glossary

Dental insurance terms sometimes sounds like a foreign language. At Humana, we make it easy. Browse the health glossary

Brush up on dental health

The BrushUp newsletter focuses on dental benefits and dental hygiene. Read the BrushUp Newsletter

Additional tools

For additional tools and resources to help you make informed decisions about your dental insurance visit HumanaDental.com