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Humana dental insurance is a strong pick if you can use a network dentist: the Dental Value HMO has no waiting periods, no deductible and no annual maximum, which is rare for a plan you buy yourself. It is legitimate coverage from a Fortune 500 insurer that sells individual dental and vision plans in most states. If you want to keep your own dentist, the PPO plans work out of network but cap benefits at $1,000 to $5,000 a year, and plans like Humana Extend 2500 make you wait 12 months for crowns and dentures. Ask about the one-time enrollment fee and the one-year minimum contract before you buy.
- Starting price
- From $18 a month, as listed October 2026; quote by state and age1
- Plan types
- Dental PPO, Dental Value DHMO, Dental Savings Plus discount plan and Humana Extend dental, vision and hearing bundles1
- Dental Value (DHMO)
- No waiting periods, deductibles or annual maximum; set fees for preventive, basic and major care at in-network dentists1
- PPO annual maximums
- Preventive Value unlimited (preventive and basic only); Loyalty Plus $1,000, $1,250 then $1,500 by year; Complete Dental $1,250 then $1,5002
- Humana Extend 2500
- $75 deductible; preventive 100%, basic 80% after 90 days, major 50% after 12 months; $2,500 yearly maximum; implants covered after 12 months3
- Start date
- Most plans take effect in 5 to 7 days1
- Fees and contract
- A one-time, non-refundable enrollment fee may apply; most plans have a minimum one-year initial contract1
- Company
- Humana Inc. (NYSE: HUM), Louisville, Kentucky; about 4.7 million specialty members at the end of 20255
Pros
- Dental Value HMO has no waiting periods, deductibles or annual maximum
- Loyalty Plus has no waiting period for any covered service
- Advertised plans from $18 a month
- Most plans start in 5 to 7 days
- Extend bundles add vision and hearing in one bill
Cons
- HMO plans only pay at network dentists
- 12-month wait for major work on Extend 2500
- PPO annual maximums of $1,000 to $1,500 run out fast on crowns
- One-time enrollment fee and a one-year minimum contract may apply
- Premiums only shown after you enter your state and age
Best for: People without employer dental coverage who can use a Humana network dentist and want big-ticket work covered without a yearly cap.
Skip it if: Your dentist isn't in Humana's network and you need a crown or denture in the next year, since PPO waits and caps limit what's paid.
Humana vs. competitors
| Company | Starting price | Waiting periods | Annual maximum | Network |
|---|---|---|---|---|
| Humana | From $18 a month | None on Dental Value HMO or Loyalty Plus; Extend 2500: 90 days basic, 12 months major | None on Dental Value; $1,000 to $5,000 on PPO and Extend plans | Nationwide PPO and HMO networks |
| Aetna Dental Direct | From $17 a month (DMO) | None for preventive; 6 to 12 months, waived with prior coverage | $1,000 to $2,000; none on DMO | 600,000+ PPO dentist locations |
| Delta Dental | Varies by state member company | None for cleanings, exams, X-rays | Varies by plan; none on DeltaCare USA | All 50 states, DC, Puerto Rico |
| Ameritas | Not published; quote by ZIP | None | $750 to $2,000; up to $3,500 later | Any dentist; Ameritas PPO saves more |
Humana pricing at a glance
Humana individual dental plans, from humana.com October 20262
| Plan | Annual maximum | Deductible | Waiting periods | Covers crowns and dentures |
|---|---|---|---|---|
| Dental Value (DHMO) | None | None | None | Yes, at set copays from a fee schedule |
| Preventive Value (PPO) | Unlimited | One-time deductible | None | No |
| Loyalty Plus (PPO) | $1,000 / $1,250 / $1,500 (years 1, 2, 3+) | One-time deductible | None for covered services | Yes |
| Complete Dental (PPO) | $1,250 / $1,500 (year 1, year 2+) | $50 individual, $150 family a year | Not published on the plan page | Yes: 100% preventive, 80% basic, 50% major |
| Humana Extend 2500 (dental, vision, hearing) | $2,500 | $75 a year | Basic 90 days; major 12 months | Yes, 50% after 12 months |
| Dental Savings Plus | Not insurance | None | None | 20% to 40% off at network dentists |
Humana shows monthly premiums only after you enter your state and age; its lowest advertised price is $18 a month. Benefits vary by state, and waiting periods for basic care on Extend can differ by state. An administration fee, association fees and a one-time enrollment fee may apply.
Humana, step by step
Get a quote
Enter your state and age on humana.com or call 866-597-0895 to see which plans and prices you can buy.
Check your dentist
Use Humana's dentist finder. On the Dental Value HMO you must use a network dentist; PPO plans pay out of network but you may pay more.
Enroll and pay
Apply online. Ask about the enrollment fee and minimum contract term before you submit.
Start using it
Most plans take effect in 5 to 7 days. Cleanings and exams are covered right away on most plans; major work may have a wait.
Claims
Network dentists usually file claims for you. Track claims and benefits in the MyHumana app.
Humana dental insurance legitimacy and licensing
Yes. Humana Inc. is a publicly traded insurer based in Louisville, Kentucky, and its 10-K says it sells dental and vision insurance to individuals as well as employer groups, with about 4.7 million specialty members at the end of 2025. Individual dental plans are insured by Humana subsidiaries such as Humana Insurance Company, HumanaDental Insurance Company and CompBenefits, depending on your state, and are regulated by your state insurance department.
The BBB rates Humana A+ and it has been accredited since 1998, with 299 complaints in three years across all its products. Trustpilot reviews of Humana overall are mostly negative (1.4 out of 5), though few of them are about dental plans specifically.
Humana dental insurance cost
Humana advertises plans from $18 a month and shows your exact premium after you enter your state and age. The premium is only part of the cost. Complete Dental has a $50 individual deductible and pays 100% for preventive, 80% for basic and 50% for major care. Extend 2500 has a $75 deductible, pays 80% for basic care after 90 days and 50% for major care after 12 months, up to $2,500 a year.
Watch the fine print. Humana says dental plans other than Dental Savings Plus may have a minimum one-year initial contract, a one-time non-refundable enrollment fee may apply, and some plans include administration or association fees.
Humana dental plans compared
Dental Value (DHMO). No waiting periods, deductibles or annual maximum. You pay set fees from a schedule, but only at in-network dentists.
Preventive Value. A low-cost PPO for cleanings, exams and basic care with no annual maximum, but it doesn’t cover crowns or dentures.
Loyalty Plus. No waiting period for covered services, a one-time deductible, and a maximum that rises from $1,000 in year one to $1,500 in year three.
Complete Dental. The fullest PPO, covering preventive, basic and major care with a $1,250 maximum the first year and $1,500 after.
Humana Extend 1250, 2500 and 5000. Dental, vision and hearing in one plan. The 2500 and 5000 cover implants after a 12-month wait. Dental Savings Plus is a discount plan, not insurance: 20% to 40% off at network dentists.
What customers say about Humana
Recurring themes across the review sites and complaint records listed above, not individual quotes.
Common praise
- The MyHumana app for claims and ID cards, rated 4.8 out of 5 on the App Store
- Individual Humana staff who sort out billing problems
- Quick start dates, with most plans active in 5 to 7 days
Common complaints
- Customer service that reviewers describe as unhelpful or hard to reach
- Denied claims and coverage disputes, mostly on medical and Medicare plans
- Premium increases and higher out-of-pocket costs than expected
- Providers leaving the network, and website or login problems
Humana dental waiting periods
The Dental Value HMO and Loyalty Plus have no waiting periods for covered services, and preventive care has no wait on the PPO plans. Humana Extend 2500 makes you wait 90 days for basic care like fillings (this can differ by state) and 12 months for major care like crowns, dentures and implants. If you need major work soon, look at the HMO or a no-wait PPO before Extend.
Complaints and how to avoid problems
Humana’s Trustpilot reviews cover all its products and mostly describe hard-to-reach customer service, denied claims (mainly on medical and Medicare plans), premium increases and dentists or doctors leaving the network. Few are about individual dental plans specifically. To reduce surprises, confirm your dentist is in network for the exact plan before enrolling, ask the dentist for a pre-treatment estimate on crowns or root canals, and keep proof of any cancellation. If a claim dispute isn’t resolved, file a complaint with your state insurance department.
Canceling a Humana dental plan
Humana says most individual dental and vision plans may have a minimum one-year initial contract, and the enrollment fee is non-refundable where state law allows. Ask how early cancellation is handled in your state before you sign up, and get written confirmation when you cancel.
Alternatives to Humana
- Dental school clinics or a community health center The cheapest route for routine and major work if you can't afford premiums; fees are reduced and sometimes based on income.
- Aetna Dental Direct A close match on price with a no-maximum DMO and waits waived if you had recent dental coverage. Read review
- Ameritas Better if you need major work soon and want a PPO with no waiting periods. Read review
- Humana Dental Savings Plus A discount plan, not insurance, that cuts 20% to 40% off network dentist fees with no waits or maximums.
Humana reviews
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Frequently asked questions
Is Humana dental insurance good?
It's a solid choice if you can use a network dentist, because the Dental Value HMO has no waits, deductibles or annual maximum. PPO plans are more limited, with maximums of $1,000 to $1,500 on Loyalty Plus and Complete Dental.
How much is Humana dental insurance per month?
Humana advertises plans from $18 a month. Your price depends on your state, age and plan; enter them on humana.com for a quote.
Does Humana dental have a waiting period?
Not on the Dental Value HMO or Loyalty Plus. Humana Extend 2500 has a 90-day wait for basic care and 12 months for major care.
Does Humana dental cover implants?
Humana Extend 2500 and 5000 cover implants after a 12-month wait, with $1,000 and $2,000 yearly implant limits. Extend 1250 doesn't cover implants.
Can I use any dentist with Humana?
On PPO plans, yes, but costs may be higher out of network. On the Dental Value HMO, you must use an in-network dentist.
When does Humana dental coverage start?
Humana says most dental plans take effect in 5 to 7 days.
Is there an enrollment fee for Humana dental?
A one-time, non-refundable enrollment fee may apply, and some plans include administration or association fees. Ask for the full first-month cost before you enroll.
Is Humana Dental Savings Plus insurance?
No. It's a discount plan that gives 20% to 40% off at network dentists. It doesn't pay claims, but there are no waits or maximums.
Does Humana Medicare Advantage include dental?
Humana says most of its Medicare Advantage plans include routine dental, vision and hearing. Coverage levels vary by plan, so check the plan's Evidence of Coverage.
Can I cancel Humana dental anytime?
Most plans may have a minimum one-year initial contract. Ask about early cancellation rules in your state before you buy.
Sources (10)
Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards
- Humana: Dental insurance plans for individuals and families (accessed October 13, 2026)
- Humana: PPO dental insurance plans (accessed October 13, 2026)
- Humana: Humana Extend 2500 plan (accessed October 13, 2026)
- Humana: Humana Extend dental, vision and hearing plans (accessed October 13, 2026)
- SEC EDGAR: Humana Inc. Form 10-K for 2025 (accessed October 13, 2026)
- Humana: Dental Savings Plus discount plan (accessed October 13, 2026)
- BBB: Humana, Inc. business profile (accessed October 12, 2026)
- Trustpilot: Humana reviews (accessed October 12, 2026)
- Apple App Store: MyHumana app (accessed October 12, 2026)
- Humana: Medicare plans (accessed October 13, 2026)
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