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Do Medicare Plans from Humana Cover Routine Dental?

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Original Medicare (Part A and Part B) generally doesn’t cover routine dental care. With Original Medicare, you may only be covered for emergency or complicated dental procedures, such as surgery on your jaw. That’s where Humana Medicare Advantage Plans with dental benefits come in. If you are looking for a Medicare Advantage plans with dental coverage, Humana offers Medicare Advantage plans that may include dental coverage. Alternatively, you may be eligible for Optional Supplemental Benefits (OSBs), which provide additional dental benefits above the coverage available with a Humana Medicare Advantage plan.

Humana may also offer stand-alone dental plans, which are not affiliated with Medicare.

What is a Humana Medicare Advantage plan with dental coverage?

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 with the exception of 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 of Medicare Advantage plans from Humana have the same additional benefits, so check that the plan you’re interested in provides routine dental coverage.

What coverage can I get with a Humana Medicare Advantage plan with dental coverage?

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 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 do I pay for a Humana Medicare Advantage plan with dental coverage?

You may pay a monthly premium to have a Medicare Advantage plan from Humana with dental coverage. You will pay this premium whether or not you use covered services. You also may pay a 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, $2,000. Once you reach this maximum, you may pay all dental care costs out of pocket for the rest of the year. 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 that accepts a Humana dental plan?

Humana.com has a provider finder. If you enter your zip code, you may be able to find a dentist in your area.

To search for a Humana Medicare Advantage plan with dental coverage, enter your zip code into the plan finder tool on this page.

 

This information is not a complete description of benefits. Call the plan for more information.

Humana MyOption optional supplemental benefits (OSB) are only available to members of certain Humana Medicare Advantage (MA) plans.  Members of Humana plans that offer OSBs may enroll in OSBs throughout the year. Benefits may change on January 1st each year.

Enrollees must continue to pay the Medicare Part B premium, their Humana plan premium, and the optional supplemental benefits (OSB) premium.

To see a full list of disclaimers, click here.

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