Humana Dental — Dental Coverage Guide
Humana offers Preventive Plus, Complete Dental, Loyalty Plus, and Bright Plus plans directly to individuals — often marketed alongside Humana Medicare Advantage.
Preventive
100%
Cleanings, exams, X-rays
Basic
50%
Fillings, extractions
Major
30%
Crowns, implants, root canals
Orthodontic
Not covered
Individual plans
Annual maximum: $1,000
Deductible: $50/year
Waiting periods: None for preventive; 6 months for basic; 12 months for major
Network: Humana's individual plans tend to have lower coverage percentages and no orthodontic benefit. Employer Humana plans may be more generous.
Humana Dental coverage by procedure
Estimates use the national median cost for each procedure. Actual coverage depends on your specific plan tier and remaining annual max.
| Procedure | Nat'l median | Plan pays | You pay |
|---|---|---|---|
| Dental Exam | $65 | $15 | $50 |
| Dental Cleaning | $105 | $55 | $50 |
| Dental Crown | $1,150 | $295 | $855 |
| Root Canal (Molar) | $1,050 | $475 | $575 |
| Tooth Filling | $210 | $13 | $197 |
| Tooth Extraction | $350 | $125 | $225 |
| Dental Implant | $2,400 | $670 | $1,730 |
| Dental Veneer | $1,200 | $0 | $1,200 |
| Teeth Whitening | $500 | $0 | $500 |
| Full Dentures (Upper) | $1,800 | $490 | $1,310 |
| Partial Denture | $1,500 | $400 | $1,100 |
| Dental Bridge | $3,500 | $1,000 | $2,500 |
| Braces (Full Treatment) | $5,500 | $0 | $5,500 |
| Deep Cleaning | $275 | $33 | $242 |
| Dental X-Ray | $35 | $0 | $35 |
| Panoramic X-Ray | $130 | $80 | $50 |
| Wisdom Tooth Removal | $400 | $150 | $250 |
| Night Guard | $450 | $400 | $50 |
| Dental Bonding | $180 | $0 | $180 |
| Dental Sealant | $50 | $0 | $50 |
| Invisalign | $4,200 | $0 | $4,200 |