Medicare Advantage plans offer routine dental coverage as part of the overall benefits package. This can be an important consideration for seniors who need regular dental care, but may not want to pay for a separate dental insurance policy. Humana is one of the largest providers of Medicare Advantage plans and offers several different options for routine dental coverage. In this article, we will take a closer look at how Medicare Advantage plans with routine dental coverage work, and why they might be a good option for you.
Humana Medicare Advantage Plan With Dental
Medicare Advantage plans are a way to get your Medicare hospital and medical insurance through a private insurance company approved by Medicare. Medicare Advantage plans must cover, at a minimum, everything that Original Medicare covers except hospice care, which is still covered by Medicare Part A.
Many Medicare Advantage plans, including the ones offered by Humana, provide additional benefits, such as routine dental coverage and prescription drug coverage. Not all Medicare Advantage plans from Humana have the same additional benefits, so check that the plan you’re interested in provides routine dental coverage.
What Kind of Coverage Can I Get with Humana Medicare Advantage with Dental?
Humana Medicare Advantage plans may offer dental services including:
- Routine services including exams and cleanings
- Diagnostic services including x-rays
- Restorative care
- Anesthesia for dental work
- Endodontic care (related to a dental pulp)
- Periodontal care (related to gum tissue)
- Extractive services (pulling teeth)
- Prosthodontics (involving prosthetics to repair or replace natural teeth)
- Oral surgery
- Other services
How Much Will I Pay for a Medicare Advantage Plan Through Humana?
You may pay a monthly premium to have a Medicare Advantage plan from Humana with dental coverage. The client will pay this premium whether or not you use covered services. You also may pay coinsurance for various dental services. The coinsurance amount is usually a percentage and may vary depending on the service. For a routine exam, you may pay a 0% coinsurance. For example, and for an amalgam filling, you may pay a 50% coinsurance, for example.
There may be a maximum benefit amount per year, for example, $5,000. Once you reach this maximum, you may pay all dental care costs out of pocket. Premiums, coinsurance amounts, and maximum benefit amounts may vary from plan to plan.
If your Medicare Advantage plan from Humana does not include coverage for routine dental care. You may pay all costs for routine dental care out of pocket.
How Do I Find A Dentist Who Accepts the Humana Dental Plan?
When you have a Medicare Advantage plan from Humana with dental coverage, you will need to find a dentist who accepts the Humana dental plan. You can do this by visiting the Humana website and searching for participating dentists in your area. Or, you can call Humana customer service at the number on your member ID card and they will help you find a participating dentist.
When you visit a participating dentist, be sure to bring your Humana member ID card so the dentist can verify your coverage.
What If I Need Specialized Dental Care?
If you need specialized dental care that is not covered by your Medicare Advantage plan from Humana, you may have to pay for this care out of pocket. For example, if you need orthodontic care or cosmetic dental procedures, these services are not typically covered by dental insurance plans.
If you have questions about your coverage or need help finding a participating dentist, contact Humana customer service at the number on your member ID card.
Are There Any Waiting Periods For The Dental Coverage With Humana?
Yes, there may be a waiting period for some services. For example, there may be a 12-month waiting period for major dental services such as crowns or bridges. Check your plan documents for more information about any waiting periods that may apply to your coverage.
You can get routine dental care coverage through a Medicare Advantage plan from Humana. These plans may offer coverage for various dental services, including exams, cleanings, x-rays, and more. You may pay a monthly premium for your plan, as well as coinsurance for some services. There may also be a maximum benefit amount per year. You can find a participating dentist by searching on the Humana website.
If you need dental coverage, please give us a call and we will be sure to point you in the right direction.