Humana Dental Insurance in Colorado: Coverage, Benefits, and Costs

Humana Dental Insurance Colorado offers a range of dental coverage options to meet the needs of Colorado residents. Whether you’re looking for a budget-friendly plan with low monthly premiums or a plan with low office-visit copays, Humana has something for everyone. With Humana’s dental plans, you can choose from a variety of in-network dentists and specialists, making it easy to find the right dentist for you and your family.

Humana’s dental PPO plan gives you the flexibility to visit any dentist you like, but you can save money by visiting a dentist that is in the plan’s network. With the PPO plan, you don’t have to choose a primary care dentist, and you can choose any dentist in or out of network. However, your costs may be higher with out-of-network dentists. In addition to the PPO plan, Humana also offers a Dental Savings Plus discount program, which can help you save money on dental services.

If you’re looking for a dentist who accepts Humana insurance in Colorado, Zocdoc can help. With Zocdoc, you can search for dentists in your area who accept Humana insurance and book an appointment online. It’s simple, secure, and free. Whether you need a routine cleaning or more complex dental work, Humana Dental Insurance Colorado has you covered.

Understanding Humana Dental Insurance

What is Humana Dental Insurance?

Humana Dental Insurance is a type of dental insurance plan that provides coverage for preventive, basic, and major dental services. The company offers a variety of dental plans through a network of over 325,000 dentists, making it easy for members to find a dentist in their area. Humana Dental Insurance also offers a range of benefits, including low office-visit copays, budget-friendly monthly premiums, and no waiting periods for preventive services.

Why Choose Humana Dental Insurance in Colorado?

Humana Dental Insurance in Colorado provides a range of benefits for individuals and families. Here are some reasons why you might choose Humana Dental Insurance in Colorado:

• Affordable premiums: Humana Dental Insurance offers budget-friendly monthly premiums, making it easy for individuals and families to get the dental coverage they need.
• Wide network of dentists: With over 325,000 dentists in the network, Humana Dental Insurance makes it easy to find a dentist in your area.
• No waiting periods: There are no waiting periods for preventive services, allowing members to get the care they need right away.
• Low office-visit copays: Members can enjoy low office-visit copays for preventive and basic services, making it easy to get the care they need without breaking the bank.
• Coverage for major dental services: Humana Dental Insurance also provides coverage for major dental services, such as root canals and crowns, which can be expensive without insurance.

Overall, Humana Dental Insurance in Colorado provides a range of benefits for individuals and families, making it easy to get the dental coverage you need at an affordable price.

Coverage Details of Humana Dental Insurance in Colorado

Humana offers a range of dental insurance plans in Colorado that cater to different needs and budgets. In this section, we will take a closer look at the coverage details of Humana dental insurance in Colorado.

Types of Dental Plans

Humana offers two types of dental plans in Colorado: PPO plans and DHMO plans. PPO plans give you the flexibility to choose any dentist, while DHMO plans require you to choose a primary care dentist from the network.

Under both types of plans, Humana covers preventive services such as cleanings, exams, and X-rays at 100% after deductibles. Basic services such as fillings, extractions, and root canals are covered at 80% after deductibles, while major services such as crowns, bridges, and dentures are covered at 50% after deductibles.

Coverage Limits and Exclusions

It is important to note that Humana dental insurance in Colorado has coverage limits and exclusions. For example, orthodontic treatment is not covered under most plans, and there may be a waiting period before coverage for certain services begins.

To get a better understanding of the coverage limits and exclusions of a specific plan, it is recommended to review the plan details or speak with a Humana representative.

Here is a brief overview of some common coverage limits and exclusions of Humana dental insurance in Colorado:

• Waiting periods: Some services may have a waiting period before coverage begins.
• Annual maximums: Plans may have an annual maximum limit on the amount of coverage available.
• Deductibles: Plans may have deductibles that need to be met before coverage begins.
• Exclusions: Certain services may not be covered under the plan, such as cosmetic procedures or orthodontic treatment.

Overall, Humana dental insurance in Colorado offers a range of plans with varying coverage options to fit different needs and budgets. It is important to review the plan details and speak with a representative to fully understand the coverage limits and exclusions of a specific plan.

Enrollment Process for Humana Dental Insurance in Colorado

Humana offers dental insurance plans in Colorado that provide comprehensive coverage for preventive, basic, and major dental services. The enrollment process for Humana dental insurance in Colorado is straightforward and can be completed online or over the phone.

Eligibility Criteria

To enroll in a Humana dental insurance plan in Colorado, an individual must be a resident of Colorado and meet certain eligibility criteria. These eligibility criteria may vary depending on the plan selected, but generally include the following:

• Age: Most Humana dental plans are available to individuals of all ages, but some plans have age restrictions.
• Employment status: Some Humana dental plans are only available to individuals who are employed or have a certain type of employment status.
• Health status: Applicants may be required to answer health-related questions or undergo a dental exam to determine eligibility for certain plans.

Steps to Enroll

Enrolling in a Humana dental insurance plan in Colorado is a simple process that can be completed in a few steps:

1. Visit the Humana website or call the Humana sales team to explore available dental plans in Colorado.
2. Choose the dental plan that best fits your needs and budget.
3. Provide personal and contact information, including your name, address, and phone number.
4. Review and agree to the terms and conditions of the dental plan.
5. Make the first premium payment to activate the dental plan.

Once enrolled, members can access their dental benefits online or through the Humana mobile app. Members can also find a network dentist in Colorado through the Humana website or by calling customer service.

In conclusion, enrolling in a Humana dental insurance plan in Colorado is a simple process that requires meeting certain eligibility criteria and completing a few steps online or over the phone. With comprehensive coverage for preventive, basic, and major dental services, Humana dental insurance plans in Colorado offer peace of mind and financial protection for individuals and families.

Cost and Pricing of Humana Dental Insurance in Colorado

Humana Dental Insurance offers a variety of dental plans in Colorado to meet different budgetary needs. In general, the cost of the plan depends on the type of coverage, the number of people covered, and the level of benefits. Here is a breakdown of the cost and pricing of Humana Dental Insurance in Colorado.

Premiums

Humana Dental Insurance in Colorado offers a range of premiums to fit different budgets. The monthly premiums for an individual dental plan can range from $18 to $50, and for a family plan, it can range from $50 to $150. The plan with the lowest premium is the Loyalty Plus Preventive Value plan, which offers budget-friendly preventive care at $18 per month. On the other hand, the plan with the highest premium is the Complete Dental plan, which provides comprehensive coverage for major dental services.

Out-of-Pocket Costs

Out-of-pocket costs are the expenses that the policyholder pays for the dental services covered by the plan. For many services covered under dental plans, the insurance company doesn’t pay for the full amount. The copay is the amount that the policyholder pays for a dental treatment or service. Humana Dental Insurance in Colorado offers different copay amounts for different services, depending on the plan.

For example, the Loyalty Plus Preventive Value plan has a $0 copay for preventive services, such as cleanings and X-rays. The Complete Dental plan, on the other hand, has a $50 copay for preventive services. For major services, such as root canals or crowns, the copay can range from $100 to $500, depending on the plan.

In addition to copays, some plans have deductibles and coinsurance. A deductible is the amount that the policyholder pays before the insurance company starts paying for services. Coinsurance is the percentage of the cost of the service that the policyholder pays after the deductible is met.

Overall, Humana Dental Insurance in Colorado offers affordable dental plans with a range of premiums and out-of-pocket costs to fit different budgets and needs.

Customer Support and Services

Customer Service

Humana Dental Insurance Colorado provides excellent customer service to its policyholders. Customers can contact Humana through various channels, including phone, email, and online chat. The company has a dedicated customer service team that is available to answer any questions or concerns that customers may have. The customer service team is knowledgeable, friendly, and always willing to help.

Customers can contact Humana’s customer service team by calling 877-877-1051. The team is available Monday through Friday from 8 a.m. to 8 p.m. Eastern time. Customers can also reach out to Humana through their website. The website has a section dedicated to customer support, where customers can find answers to frequently asked questions, contact information, and more.

Online Services

Humana Dental Insurance Colorado offers a variety of online services to its policyholders. Customers can access their account information, view their benefits, and manage their policy online. Customers can also pay their premiums online, set up automatic payments, and view their payment history.

Humana’s website is user-friendly and easy to navigate. Customers can log in to their account using their username and password. Once logged in, they can access all of their policy information and make changes to their account as needed.

In addition to their website, Humana also has a mobile app that customers can download to their smartphone or tablet. The app allows customers to access their policy information, view their benefits, and manage their account on the go.

Overall, Humana Dental Insurance Colorado provides excellent customer support and a variety of online services to make managing your policy easy and convenient.

Frequently Asked Questions

What does my Humana dental plan cover?

Humana dental plans in Colorado offer a range of coverage options, including preventive care, basic services, and major services. Preventive care includes routine check-ups, cleanings, and X-rays. Basic services include fillings, extractions, and root canals. Major services include crowns, bridges, and dentures. Each plan has different coverage levels, deductibles, and out-of-pocket maximums. It is important to review your plan documents or speak with a licensed Humana sales agent to understand the specifics of your coverage.

Best dental insurance in Colorado

Humana dental insurance is a popular choice for Colorado residents due to its wide range of coverage options and network of providers. However, it is important to compare plans from multiple providers to find the best fit for your individual needs and budget. Other dental insurance providers in Colorado include Delta Dental, UnitedHealthcare, and Cigna.

How do I find Humana dental providers?

Humana offers a provider directory on its website that allows you to search for in-network dental providers in your area. You can also call the customer service number on the back of your Humana dental insurance card for assistance in finding a provider.

How do I access MyHumana account?

MyHumana is an online portal that allows you to manage your Humana dental insurance account. You can use MyHumana to view your coverage and benefits, find in-network providers, and track your claims. To access MyHumana, visit the Humana website and click on the “Sign In” button in the top right corner of the page.

What is the most common type of dental insurance?

The most common type of dental insurance is a Preferred Provider Organization (PPO) plan. PPO plans allow you to choose from a network of in-network providers and typically offer lower out-of-pocket costs for services received from in-network providers. However, PPO plans may have higher monthly premiums than other types of plans.

What is Tricare dental insurance called?

Tricare dental insurance is called the Tricare Dental Program. The program is available to active duty service members, National Guard and Reserve members, and their families. The Tricare Dental Program is administered by United Concordia and offers a range of coverage options for preventive care, basic services, and major services.