Humana Dental Health Insurance With No Waiting Period

In insurance, a waiting period is the amount of time you must wait before your policy begins covering certain treatments. For example, some policies require a six-month or 12-month waiting period before covering dental implants and crowns. Other treatments, such as teeth whitening or orthodontic treatment, may have longer waiting periods. These waiting periods are designed to prevent people from buying insurance just to get pre-existing conditions covered.

Humana offers several dental plans with no waiting periods, including their popular DHMO options. These plans are ideal for those needing comprehensive coverage without the high monthly premiums that traditional dental insurance brings. However, be aware that these plans typically have low annual maximum benefits and may not cover major services like crowns or implants.

The company also offers a hybrid plan that combines DHMO with traditional dental insurance. This hybrid plan allows you to choose from a network of more than 335,000 dentists and is available in most states. However, it is important to note that this plan does not cover emergency visits or x-rays and requires a copayment for each visit.

Humana also offers a variety of other dental care products, including an oral health savings account and a dental discount plan. The latter is similar to an HMO in that it does not cover routine visits or x-rays, but the company’s dental savings plan does offer discounts on these services.

How Can I Get Around My Humana Dental Waiting Period?

If you have a dental plan with a waiting period, there are some ways to get around it. If you have had insurance before and can provide proof of it (a letter from the previous insurer with a summary of coverage), you can often get your waiting period waived. You can also sometimes have a waiting period waived if you change plans and stay with the same insurer.

Dental waiting periods are used to prevent patients from signing up for a dental plan, using it to cover a procedure, and then dropping it shortly after. This can result in higher premiums for everyone else, so dental insurance companies use waiting periods to keep costs down for all their customers.

Humana is a top-rated dental insurance provider that offers comprehensive coverage and a large network of providers. Its dental coverage includes preventive, basic, and major services and low office-visit copays. The company is known for its customer satisfaction and ranked first in 2022 in the J.D. Power insurance company study, which measured customer satisfaction based on cost, coverage, communications, and claims and reimbursement.

In addition to offering affordable, customizable dental plans, Humana offers a mobile app that lets you track your dental care and find in-network dentists. The company’s dental website also features an online portal where you can receive quotes, compare plans, and choose a dentist.