Does Humana Medicare Cover Dental?

In this article...
  • Millions of Americans get their Medicare coverage from a Humana Medicare Advantage (Part C) plan, many of which offer dental coverage. Learn about the dental care benefits that can be included in a Humana Medicare plan and how much you can expect to pay for premiums, copays and deductibles in 2021.

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Over 4.3 million Medicare beneficiaries choose to get their Medicare coverage from a Humana Medicare Advantage plan in 2021.1 And dental coverage is a big reason why so many people choose Humana’s Medicare Advantage plans. 

How Do Humana Medicare Advantage Plans Work?

A Humana Medicare Advantage plan (Medicare Part C) offers all of the same benefits as Original Medicare (Medicare Part A and Part B). On top of that basic coverage, Medicare Advantage plans can then provide some additional benefits for things not included in Original Medicare. 

Dental coverage is among the more popular extra benefits offered by many Medicare Advantage plans, along with coverage of prescription drugs, vision and hearing. 

Medicare Advantage plans are sold by private insurance companies like Humana and operate in much the same way as the private health insurance plans offered through employers or purchased by individuals under the age of 65.

Every year, Medicare evaluates plans based on a 5-star rating system. In 2021, 92% of all Humana Medicare Advantage plan members are in a plan rated 4 Stars or higher by the Centers for Medicare & Medicaid Services.2

When Do Humana Medicare Plans Pay for Dental Care?  

A Humana Medicare Advantage plan can provide coverage for both routine and advanced dental services. Some of the dental benefits you might find in a Humana Medicare Advantage plan include:

  • Exams
  • Teeth cleaning and whitening
  • X-rays
  • Fillings
  • Crowns
  • Root canals
  • Extractions
  • Dentures and bridges
  • Orthodontics
  • Dental care following an injury or illness

How Much Does Humana Medicare Advantage Dental Coverage Cost?

The cost of a Medicare Advantage plan can vary from one carrier and location to another. The average premium for a Medicare Advantage plan that includes prescription drug coverage in 2021 is $33.57 per month, and many plans are available with a $0 premium.3

Below is an example of some of dental coverage costs for 2021 Humana Medicare plans.

*The quotes listed below represent just a small sample of the Humana Medicare Advantage plans with dental coverage available in each ZIP code.

Location Plan Type Monthly Premium Routine Dental Coverage Copays/Coinsurance

Phoenix, AZ (85001)

HMO

$0

$0

 

PPO

$16

0% in network; 50% out of network

 

PPO

$20.90

$0

Dallas, TX (75201)

PPO

$0

0% in network; 50% out of network

 

HMO

$0

$0

 

PPO

$10

0% in network; 50% out of network

Columbus, OH (43210)

PPO

$0

0% in network; 50% out of network

 

HMO

$20

$0

 

PPO

$19

0% in network; 50% out of network

Which Humana Medicare Plans Include Dental Coverage?

Humana offers several distinct types of Medicare Advantage plans, each of which may include dental coverage. 

HMO

Health Maintenance Organization plans utilize a primary care physician to coordinate your care within the plan’s network of providers and issue referrals for specialist visits. 

PPO

Humana’s Preferred Provider Organization plans grant you the freedom to see any provider you wish while offering additional savings when staying within the Humana network of providers. 

PFFS

A Private Fee-For-Service plan allows you to see any health care provider who accepts Medicare and agrees to the payment terms of the plan. 

SNP

Special Needs Plans are designed to meet the specific health care needs of someone with a particular health condition or who is dual eligible for Medicare and Medicaid. An SNP can offer benefits that are tailored to each individual. 

Am I Eligible for Humana Medicare Advantage Dental Coverage?

In order to be eligible for Humana Medicare plans with dental coverage, you must:

  • Be enrolled in both Medicare Part A and Part B
  • live in the service area of the plan you wish to join

Because Original Medicare doesn’t typically cover dental services, you can either pay for a standalone dental insurance plan, pay out of pocket for dental services or join a Medicare Advantage plan like one from Humana that offers dental benefits.

  1. Fugelsten Biniek, J. et al. (Oct. 29, 2020). Medicare Advantage 2021 Spotlight: First Look. Kaiser Family Foundation (KFF). https://www.kff.org/medicare/issue-brief/medicare-advantage-2021-spotlight-first-look.

  2. Humana. (Oct. 8, 2020). 92% of Humana’s Medicare Advantage Members are in 4-Star and Above Contracts for 2021, Reflecting Ongoing Commitment to Quality Care and Improved Health Outcomes. https://humana.gcs-web.com/news-releases/news-release-details/humanas-medicare-advantage-members-are-4-star-and-above.

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