“Go Humans!” is a popular cry in some circles, emphasizing that all people, regardless of race, creed or social background, have similar needs and wants. Humana Dental strives to help clients with basic medical needs, including dentistry. For California individuals, they offer PPO insurance. They also are one of the few insurers to offer a program specifically for California veterans. For group plans offered by businesses, they offer a wider variety of programs. The Sacramento Dentistry Group accepts Humana Dental.
These are the plans offered in California for families purchasing their own dental insurance:
Preventive Plus is a basic PPO insurance plan. The deductible structure is similar to that of other insurers, with a $50 individual deductible and a $150 family deductible. Routine cleanings and x-rays are covered 100%, and there is some coverage for basic services like fillings. For details about costs beyond these procedures, check with our friendly office staff or contact Humana Dental directly.
Loyalty Plus is about twice the cost of the Preventive Plus plan, but it offers a loyalty incentive, as its name implies. With each year, up to three years, your benefit value increases, with greater maximum benefits, and lower deductibles, as time goes on. If you are certain that you will stick to one plan, the Loyalty Plus package will present advantages worth its extra cost over time.
This package is similar to the Dental Preventive Plus program, but it features additional services at a discount. These services are provided by other medical facilities in the Humana network, but they are included in the cost of your dental insurance. With the California Veterans package, in addition to dental coverage, you also receive discounts on:
The Sacramento Dentistry Group also offers a Veterans Discount Program. Contact our staff to determine if you can combine this program with the benefits offered by the Humana package. Call us at 916-538-6900, use our website to ask your questions, or stop by our convenient downtown Sacramento office at 1105 E Street.
These are the group plans offered with employee benefits by Humana Dental. The Sacramento Dentistry Group is a network provider for all of them, giving you the maximum discounts possible.
While this is the most expensive Humana Dental program, it also features the highest level of coverage and reimbursement for dental services. Unlike the individual PPO plan, major dental work (such as crowns, bridges and dentures) is covered. Coinsurance levels are the same whether you use an in-network or out-of-network dentist.
The Preferred Provider Organization insurance from Humana Dental is like the Traditional Preferred program, because it covers major dental work. Where it varies is in the level of coverage. Patients face higher copays with the PPO plan in exchange for lower monthly or annual expense. If your employer covers all benefit premiums, then the Traditional Preferred coverage is preferable. If not, then the PPO may be the better fit for your family, especially if you have generally good dental health and oral hygiene habits.
This plan is cheaper than the previous two, but it does not feature automatic coverage for major dental services. At that point it becomes a dental discount program. Nevertheless, it still features the classic PPO benefit — you get to choose your Sacramento dentist.