Humana Medicare Advantage Plans with Dental Coverage

Looking for Humana Medicare Advantage plans that may include dental coverage? In this article, we outline which dental benefits might be included in these potential Humana Medicare Advantage plans for 2025, such as routine cleanings and X-rays, so you can confidently choose a plan that keeps your smile bright and your out-of-pocket costs low.


Key Takeaways


  • Humana may also provide certain vision and hearing benefits, language interpreter services, and support for members with special needs through plans that could integrate the benefits of Original Medicare with additional services that could be tailored for individuals with chronic conditions or dual eligibility.


  • Humana’s non-discrimination policy will likely ensure equal access to its services, accommodating members with disabilities and complying with all applicable laws and regulations to provide Special Needs Plans and possible benefits for members requiring extra assistance.


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Understanding Humana Medicare Advantage Plans


Humana Medicare Advantage Plans with Dental Coverage, assistance. Understanding Medicare Advantage Plans


Serving as a Medicare Advantage organization, Humana will likely operate under a contract with Medicare and a Coordinated Care plan contract with a state Medicaid program. Medicare Advantage plans may provide coverage for the same services offered with Original Medicare Part A and Part B, with the potential addition of prescription drug coverage and other benefits.

Some of these plans potentially extend coverage to include additional benefits such as:

  • Prescription drug coverage


  • Vision services


  • Hearing services


  • Dental services


These additional benefits may vary by state and will likely continue to pay value to the users, including those with military or veteran status.

The variety among Humana Medicare Advantage plans, including Medicare Advantage HMO PPO options, is reflected in their unique networks of doctors and hospitals. For instance:

  • HMO members typically require a primary care physician and referrals to specialists


  • PPOs provide greater flexibility in accessing out-of-network providers in states like New York, Ohio, Oregon, and Pennsylvania


  • PFFS plans lack a network, allowing members to visit any provider who accepts Medicare and the plan’s terms, often offering additional benefits like prescription drug, dental, and vision coverage.


Plan availability may be restricted to certain areas, with certain costs like monthly premiums, deductibles, and copays potentially varying based on location and the specific plan chosen.


Potential Dental Benefits in Certain Humana Medicare Advantage Plans


Humana Medicare Advantage Plans with Dental Coverage, Dental Benefits in Humana Medicare Advantage Plans


Humana will likely include dental coverage in some of their Medicare Advantage plans, possibly ensuring ongoing comprehensive dental care for members. These potential dental services under certain Humana Medicare Advantage plans could include:

  • Annual exams


  • Two complimentary cleanings per year


  • Dental X-rays every 5 years


  • Routine teeth cleanings and exams


  • Additional dental X-rays


  • Fillings


  • Tooth extractions


  • Preventive care


  • Restorative care


  • Oral surgery


These services may cater to the diverse dental needs of people enrolled in these plans.

Additionally, a potential range of dental procedures including fillings, extractions, and root canals might also be covered under certain Humana Medicare Advantage plans.


Comprehensive Dental Coverage

Some of Humana’s Medicare Advantage plans may cover preventive dental care, such as routine exams, cleanings, and X-rays.

Certain fundamental dental services that may also be covered under Humana’s Medicare Advantage plans could consist of an annual exam, two complimentary cleanings per year, and dental X-rays once every 5 years. These services could play a crucial role in preserving oral health and averting potential complications.

A majority of Humana Medicare Advantage members could potentially have access to integrated benefits such as specific restorative procedures like fillings and crowns.

Furthermore, some of Humana’s Medicare Advantage plans could also provide orthodontic coverage, potentially offering supplementary options for individuals in need of such treatments.


Access to a Wide Network of Dentists

Certain Humana Medicare Advantage Plans could offer an extensive network of dental providers. Members may be able to conveniently find a nearby dentist by specifying their coverage type and submitting their ZIP code on Humana’s website.

Humana’s Medicare Advantage Network will likely encompass a variety of dental specialties, possibly including general dentistry, preventive care, and diagnostic services, which beneficiaries could potentially access.

Members should be aware that to benefit from dental coverage under certain Medicare Advantage Plans, they must exclusively use dentists within the Humana network, since out-of-network services may not be covered.


Lower Cost Preferred Pharmacies

Utilizing Humana’s preferred pharmacy network could potentially offer prescriptions that could come at a reduced cost compared to standard in-network pharmacies and may include simplified access to prescriptions.

CenterWell Pharmacy will likely be the designated cost-sharing mail-order pharmacy for numerous Humana MAPD and PDP plans. Additionally, there may be other pharmacies that could be part of Humana’s preferred pharmacy network.

To find a preferred pharmacy within Humana’s network, visit the Humana website and enter your location in the ‘Refine your search’ area to obtain the search results.


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Potential Additional Benefits and Services


Humana Medicare Advantage Plans with Dental Coverage, Additional Benefits and Services


Some of the Humana Medicare Advantage Plans may offer vision coverage that could potentially include:

  • Annual eye exams


  • An annual allowance for eyeglasses or contact lenses


  • Glaucoma screenings


  • Diabetic eye exams


Additionally, some plans may provide an extra vision allowance. Certain Humana Medicare Advantage Plans could potentially provide complimentary language interpreter services to members who require assistance due to non-English speaking or additional support needs.

Humana may also provide support to its Medicare Advantage members with special needs through the offering of Special Needs Plans (SNPs) that could potentially include benefits of Original Medicare, additional support, and services. Some of the Humana Special Needs Plans may also include dental, vision, and hearing benefits.


Possible Vision and Hearing Coverage

Some of the Humana Medicare Advantage plans may also include some of the following benefits:

  • Routine dental care


  • Routine vision care, which may include annual exams, eyeglass frames with prescription lenses, and prescription contact lenses


  • Coverage for hearing aids and their fittings


The potential inclusion of vision and hearing coverage to certain Humana Medicare Advantage plans could demonstrate Humana’s comprehensive nature in the market.


Language Interpreter Services


Humana Medicare Advantage Plans with Dental Coverage, Ensuring Equal Access and Non-Discrimination


Complimentary language interpreter services will likely be available to Humana members through Humana Customer Service.

Members may have the option to engage with an interpreter by contacting the number provided on the back of their member ID card (TTY: 711) or by dialing 877-320-1235, selecting option 9 (TTY: 711) between the hours of 8 a.m. and 8 p.m. Eastern time.

Humana’s complimentary language interpreter services will likely encompass a variety of languages, possibly granting members access to language support in their preferred language.

Humana adheres to a structured plan that could delineate procedures and criteria for delivering language assistance to individuals with limited English proficiency, thus potentially strengthening their dedication to high-quality language services.


Support for Members with Special Needs

Humana Medicare Advantage could potentially offer Special Needs Plans (SNPs) which may integrate the advantages of Original Medicare with extra assistance for members with special needs.

These plans could be customized to the distinct healthcare needs of individuals with chronic conditions or dual eligibility, possibly providing coverage for:

  • regular dental care


  • vision care


  • hearing care


  • prescription drugs


Humana may also incorporate certain Care Management programs for high-risk members as a component of Medicare Advantage plans.

Certain Humana Medicare Advantage SNPs may be able to cater to individuals with chronic conditions, those with dual eligibility for Medicare and Medicaid, and others with special needs by potentially offering plans with additional benefits and services that could be tailored specifically for them.

These additional benefits may encompass prescription drug coverage and, in most instances, routine dental, vision, and hearing care.

Humana Medicare Advantage will likely have specialized customer service teams that specifically address the needs of members enrolled in Special Needs Plans, possibly ensuring that individuals with special needs may receive the necessary support and assistance.

This service could be guaranteed through a variety of methods, which may include:

  • Over-the-phone interpretation in more than 150 languages


  • TTY services


  • Alternative formats such as braille, large print, audio, DAISY, and screen-reader accessible PDFs


Additionally, Humana may also provide resources that could be specifically designed to improve the web experience for members with diverse accessibility needs.


Navigating Potential Plan Options and Costs


Humana Medicare Advantage Plans with Dental Coverage,Navigating Plan Options and Costs


When selecting a Humana Medicare Advantage plan, it would be wise to consider:

  • Evaluating the potential coverage for vision, dental, and hearing services that may  not be included in Original Medicare


  • Understanding the different Medicare Advantage plans and comparing their possible benefits, costs, and coverage


  • Considering the plan options available in your specific location.


To be eligible for Humana Medicare Advantage plans, individuals must be either 65 years of age or older, younger than 65 with a qualifying disability, or have ESRD (end-stage renal disease).


Potential Coverage and Benefits Vary by Location

Some of the coverage and benefits that might be offered in certain Humana Medicare Advantage plans could vary depending on the location. This variation may encompass differences in costs, coverage, and specific benefits.

For instance, some plans may include an out-of-pocket maximum and copays for services like primary care and specialist visits that could vary across different geographic areas.

Some of the specific benefits in certain Humana Medicare Advantage Plans, such as allowances for routine dental, vision, and hearing, may vary depending on the member’s location. Although some benefits could be uniform across all plans, others may be accessible only in specific areas.


Enrollment Periods and Eligibility

Eligibility for enrolling in Humana Medicare Advantage plans includes being at least 65 years old, or if younger than 65, having a qualifying disability or ESRD, or a permanent kidney failure that requires dialysis or a kidney transplant.

The designated enrollment periods for Humana Medicare Advantage plans are the Annual Election Period from October 15 through December 7, and the Medicare Advantage Open Enrollment Period from January 1 through March 31.

Indeed, it is permissible to enroll in a Humana Medicare Advantage plan outside of the standard enrollment periods during a Special Enrollment Period (SEP). You can enroll in any Humana plan if the contract is renewed. This renewal is a requirement for enrollment.


Assistance with Plan Selection

Humana will likely provide personalized guidance for selecting a Medicare Advantage plan, which could potentially assist you in finding the plan that aligns with your healthcare needs and may also offer tailored education and support.

Humana could offer various tools that could help individuals comprehend and compare different plan options to select the most suitable one based on their requirements. These tools may include features like routine dental, vision, and hearing benefits that might be included in certain Humana Medicare Advantage plans.

The Humana website will likely offer the ability to compare different Medicare Advantage plans through the utilization of their Medicare resources page and comparison tools. By accessing these resources, users could potentially conduct a side-by-side comparison of various types of Medicare Advantage plans, such as:

  • HMO


  • PPO


  • PFFS


  • Special Needs plans


This could allow users to effectively assess the potential benefits, costs, and coverage.

When selecting a Humana Medicare Advantage plan, it is crucial to take into account potential factors such as the coverage for vision, dental, and hearing services that may not be covered by Original Medicare and understanding the different types of Medicare Advantage plans to compare the possible benefits, costs, and coverage effectively.


Ensuring Equal Access and Non-Discrimination


Humana Medicare Advantage Plans with Dental Coverage, Ensuring Equal Access and Non-Discrimination


Adhering to Federal civil rights laws, Humana Inc. and its subsidiaries work to prevent discrimination by potentially providing equal opportunities to all individuals.

Humana will likely ensure equitable access for all Medicare Advantage Plan members by providing healthcare benefits to all plan members by CMS requirements.


Non-Discrimination Policy

Humana’s non-discrimination policy asserts that individuals may not be discriminated against or excluded based on national origin, age, disability, sex, marital status, veteran status or religion.

It is important to note that discrimination is illegal.


Accommodations for Members with Disabilities

To enhance the web experience for members with disabilities, Humana could potentially offer accessibility resources, which could enable efficient access and usage of online information. Additionally, Humana will likely provide communication assistance, including language interpreter services for members in need of additional support.

Additionally, Humana may also offer on-site dedicated care management services and comprehensive care to assist members with disabilities in understanding and utilizing their Medicare Advantage plan.

Members with disabilities could request accommodation with Humana Medicare Advantage Plans by contacting their dedicated helpline at 1-888-204-4062 (TTY: 711), which is available daily from 8 a.m. to 8 p.m.

There will likely be tools and resources specifically tailored for Humana Medicare Advantage Plan members with disabilities, which could potentially provide coverage options that may be customized to their requirements, along with predictive modeling tools and assessment processes to ascertain eligible patients based on their disabilities.


Compliance with Applicable Laws and Regulations

Operational and reimbursement guidelines, provider qualifications, and requirements will likely apply to Humana Medicare Advantage Plans. Additionally, there may be common healthcare terms and provisions that could also apply to these plans. Humana guarantees adherence to Medicare Advantage Plan regulations through the implementation of:

  • Rigorous operational and reimbursement guidelines


  • Stringent provider qualifications and requirements


  • Provision of annual compliance training for contracted entities.


Humana has established a formal grievance process to allow members to register complaints if they are unsatisfied with their Medicare healthcare plan, Customer Care, or provider.


Some of  Humana’s Medicare Advantage plans could potentially offer a holistic approach to healthcare, providing not only medical coverage but may also include comprehensive dental, vision, and hearing benefits. These plans may also provide equal access and non-discrimination for all members, possibly ensuring that everyone could receive the care they need.

Whether you’re considering enrollment or are already a member, this guide should provide you with a clearer understanding of the potential opportunities and benefits these plans may have to offer.


Frequently Asked Questions


  What is the biggest advantage of Medicare Advantage?

Some of the biggest advantages of Medicare Advantage could be its broad range of choices for doctors and medical offices, and some plans might be cheaper if you have complex medical needs.


  What is the difference between Medicare and Humana Medicare Advantage?

The main difference between Medicare and Humana Medicare Advantage is that Medicare Advantage is offered by private health insurance companies and could potentially include additional benefits like prescription drug coverage.

Traditional Medicare, on the other hand, is managed by the federal government and may not typically include these additional benefits.


  Why are people choosing Medicare Advantage plans?

Many people might choose Medicare Advantage plans due to quick prior authorization acceptance rates and fast payments from insurers.


→  What dental benefits could be included in Humana’s Medicare Advantage plans?

Some of Humana’s Medicare Advantage plans may include a range of dental benefits such as annual exams, cleanings, X-rays, and various treatments like fillings and extractions.


 What extra benefits and services could be offered by Humana Medicare Advantage plans?

Some of the Humana Medicare Advantage plans may offer extra benefits such as vision and hearing coverage, and language interpreter services, and will likely offer support for members with special needs.

These additional services could provide valuable support and coverage for various health needs.


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Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.