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Does Humana Dental Cover Braces (Full Treatment)?

Humana Dental individual plans do not cover braces (full treatment).

Estimated cost with Humana Dental

Total cost (national avg)

$5,500

Humana Dental pays

$0

You pay

$5,500

Coverage tier: orthodontic (0%)

Deductible: $50/year

Annual max: $1,000

Lifetime orthodontic max: $0

Humana Dental does not include an orthodontic benefit on individual plans.

See Braces (Full Treatment) cost by city →

Costs vary 30%+ between metros. See your specific area.

Humana Dental full coverage guide →

What Humana Dental covers across all procedures.

FAQ: Humana Dental and Braces (Full Treatment)

Does Humana Dental cover braces (full treatment)?▾
No. Humana Dental does not include coverage for braces (full treatment) on individual/direct-purchase plans. Employer-sponsored versions of Humana Dental may add this benefit — check with your HR benefits administrator.
What's my out-of-pocket cost for a braces (full treatment) with Humana Dental?▾
The full cost of $5,500 (national median) unless you can pay from an HSA or FSA. Many practices offer 0% financing over 6–24 months through CareCredit or LendingClub Patient Solutions.
Is there a waiting period?▾
None for preventive; 6 months for basic; 12 months for major. If you enrolled recently, verify with Humana Dental customer service before scheduling — some plans have a 6–12 month waiting period on major procedures.
Can I use an HSA or FSA with Humana Dental?▾
Yes. Whatever Humana Dental doesn't cover, you can pay from an HSA (Health Savings Account) or FSA (Flexible Spending Account) using pre-tax dollars. Note the FSA "use it or lose it" rule.
What if my dentist is out of network?▾
Out-of-network dentists cost more out of pocket because Humana Dental pays based on the plan's "usual and customary" rate, not the dentist's actual charge. If your dentist charges $5,500 and the plan's UCR is lower, you pay the difference. Use Humana Dental's find-a-dentist tool to check network status before scheduling.
Confirm coverage with Humana Dental

Estimates use $Humana Dental's standard coverage tiers and typical plan structure. Your exact plan may have different tiers, deductibles, or waiting periods — always call the number on your insurance card for a pre-authorization on major procedures.