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Humana Loyalty Plus Dental Plan Dental Insurance for Seniors in Colorado

PPO Plan
$46.99/Mo
Humana senior dental plan for people with Medicare
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Rating:Humana A.M. Best rating.
Premium: from $46.99/mo*
Deductible:Individual $150/ Family $450 (One-time deductible for as long as you stay on the plan)
Coverage:$1000-$1500 per individual
Plan Type:PPO
Benefits:Humana Loyalty Plus Dental Plan Dental Plan 1002-002 Summary of Benefits for Colorado

*Premiums vary based on regional pricing.

About Humana Loyalty Plus Dental Plan for Colorado Medicare Beneficiaries

Humana Loyalty Plus Dental Plan, by Humana, is a Dental PPO (Preferred Provider Organization or Participating Provider Organization) insurance plan for Colorado seniors. It's the most common type of dental insurance, and they almost always require you to pay a deductible.

Unlike an HMO, a dental PPO allows you to use a dentist outside of the network. However, when you use a network dentist you pay reduced rates. When you use a network dentist, you will typically pay a certain percentage (e.g. 20%) of the reduced rate (co-payment), and the insurance company pays the remainder (e.g. 80%).

Be sure to compare Humana Loyalty Plus Dental Plan with other PPO dental insurance in Colorado before you choose.

The monthly premium with the Humana Loyalty Plus Dental Plan plan starts at about $46.99. This is an estimated rate for a 65 year old woman living in Colorado that does not use tobacco. This is an insurance product, so you'll need to get a quote to get the exact cost for your situation.

Plan Benefits

The following table lists the standardized core benefits with this plan. Humana Loyalty Plus Dental Plan may have additional coverages and benefits listed in the plan brochure (downloadable pdf).

Benefit Coverage
Dental Plan Type:PPO
Co-insurance:Preventive-0%; Basic-60% (First Year), 45% (Second Year), 30% (Third Year); Major-80% (First Year), 70% (Second Year), 50% (Third Year).
Annual Deductible:Individual $150/ Family $450 (One-time deductible for as long as you stay on the plan)
Max Benefit:$1000-$1500 per individual
Cleanings:No Charge for Basic cleaning (limit 2 per year)
No waiting period
Topical Fluoride:No Charge (limit 2 per plan year, age 14 and under)
No waiting period
Sealant:No Charge (limit one per tooth per lifetime, age 14 and under)
No waiting period
Fillings & Restorative Dentistry:Member pays-First Year:60% after deductible; Second Year:45% after deductible; Subsequent Year:30% after deductible (limit 2 per plan year, composite covered on front teeth only)
No waiting period
X-Rays:Member pays-First Year:60% after deductible; Second Year:45% after deductible; Subsequent Year:30% after deductible(Bitewing x-rays limit one set or four per plan year; Full mouth or panoramic x-rays limit one per five years)
No waiting period
Oral Surgery:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible
No waiting period
Tooth Extractions:Member pays-First Year:60% after deductible; Second Year:45% after deductible; Subsequent Year:30% after deductible(non surgical - limit 2 per person plan year)
No waiting period
Crowns:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible(limit 1 tooth per 5 years)
No waiting period
Root Canals:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible(limit 1 tooth per 2 years; permanent teeth only)
No waiting period
Periodontics:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible(limit 2 cleanings per year) Preventive periodontal exams covered at No Charge
No waiting period
Dentures:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible; Complete - limit one per arch per 5 years; Maintenance, repair, and adjustments - limit one per plan year.Removable partial dentures are co
Bridges:Please refer to Dentures section for more details.
No waiting period
Endodontics:Member pays-First Year:80% after deductible; Second Year:70% after deductible; Subsequent Year:50% after deductible(Limit one per tooth per 2 years; permanent teeth only)
No waiting period

Contact Humana

For more information about this plan, download the Summary of Benefits Humana Loyalty Plus Dental Plan Dental Plan 1002-002 Summary of Benefits for Colorado, call, or visit their website.

Here's their contact information:

Compare Plans

We recommend comparing Humana Loyalty Plus Dental Plan with these quality Colorado dental plans:

Availability

Humana Loyalty Plus Dental Plan is available in Denver, Aurora, Colorado Springs, and most other cities and towns in Colorado.

The dental plan information on MedicareWire is maintained by and was last updated on .