Does Humana Medicare Cover Dental?

Original Medicare (Medicare Part A and Part B) doesn’t normally cover routine dental services.⁴

However, all Humana Medicare Advantage plans include certain routine dental services in 2025. Your dental coverage will depend on which Humana Medicare Advantage plan you have.

If you don’t currently have a Humana Medicare plan, you can get more information by calling a licensed sales agent⁵ at 1-855-298-6309 TTY Users: 711 24 hours a day, 7 days a week, or by requesting a free plan quote online, there is no obligation to enroll in a plan.

You can find out if your Humana Medicare plan may include coverage for routine dental care by reading the section below that correlates to your current coverage.

Humana Medicare dental plans

All Humana Medicare Advantage plans include routine dental benefits in 2025. Additional dental coverage may be obtained through Humana’s optional supplemental benefits when available in your area. 

Routine dental coverage is just the tip of the iceberg when it comes to all the benefits that may be included in a Humana Medicare Advantage Prescription Drug plan. Additional benefits can include coverage for:

• Routine vision care
• Hearing coverage
• Prescription drugs

What routine dental services do Humana Medicare Advantage plans cover?

Routine dental benefits included in a Humana Medicare Advantage plan include a yearly exam, two cleanings per year and X-rays every five years.

Beneficiaries of a Humana Medicare Advantage plan may add on more dental coverage by paying an additional premium. Humana’s MyOption Dental benefit is an add-on dental plan that can provide coverage for:

• Cleanings and fluoride treatments
• Fillings
• Extractions
• Bridges, crowns and dentures
• Root canals and scaling
• Oral surgery

How much does Humana Medicare Advantage routine dental coverage cost?

The cost of a Humana Medicare Advantage plan with routine dental coverage can vary according to plan selection and location. Many plans come with a $0 monthly premium.*

Below are some sample rates taken from the Medicare.gov plan finder tool for the 2025 plan year across a random selection of cities. The sampling does not include every Humana plan sold in each city.

It’s also important to discuss deductibles, copayments and annual out-of-pocket limits whenever you’re considering the price of a plan. These figures can vary by plan.

What type of Humana Medicare plans include routine dental coverage?

Beginning in 2024, all Humana Medicare Advantage plans include routine dental, routine vision and hearing benefits. Humana sells four types of Medicare Advantage plans. 

1. HMO. Members of a Health Maintenance Organization plan utilize a primary care physician for initial visits and to coordinate care within the plan’s network of participating providers. The primary care physician refers the beneficiary to specialists as needed.
   
   
2. PPO. A Preferred Provider Organization plan allows you some freedom to see providers outside of the plan’s network while still receiving some coverage for the care. Unlike an HMO, a PPO plan does not typically require you to obtain a referral in order to see a specialist.
   
   
3. SNP. A Special Needs Plan is designed with a specific health condition in mind and has benefits that are tailored to those needs. Special Needs Plans are also available to those who are eligible for both Medicare and Medicaid.
   
   
4. PFFS. With a Private Fee-For-Service plan, you can visit any health care provider who accepts Medicare and agrees to the payment terms of the plan.

Routine dental benefits can be found in Humana’s Medicare Advantage plans. Dental coverage is not included with Medigap or Medicare Part D.

However, a Part D plan may provide coverage for medications used as part of a dental treatment plan, such as antibiotics prescribed after a tooth extraction.

Who is eligible for Humana Medicare Advantage routine dental coverage?

You are eligible to enroll in a Humana Medicare Advantage plan with routine dental coverage if you are enrolled in Medicare Part A and Part B and live within the plan’s service area. 
You may enroll in a Humana Medicare Advantage plan with routine dental benefits during the following times:

1. Initial Enrollment Period. Your first chance to enroll begins three months before you turn 65 years old and ends three months after your birthday month.
   
   
2. Fall Open Enrollment Period. Also known as the Annual Enrollment Period or AEP, this opportunity to enroll lasts from Oct. 15 to Dec. 7 each year.
   
   
3. Special Enrollment Period. These enrollment periods may be granted anytime throughout the year if you have a qualifying circumstance.
   
   
4. Medicare Advantage Open Enrollment Period. Current members of a Medicare Advantage plan can change plans with or without drug coverage or drop their plan and revert back to Original Medicare from Jan. 1 to March 31 each year.

Contact a licensed sales agent to learn about Humana Medicare Advantage plans with routine dental benefits available in your area and to confirm your eligibility to enroll.

Humana Medicare Advantage plans

Medicare Advantage plans, like those provided by Humana, may offer some additional benefits not included with Original Medicare, which can include:

• Coverage for hearing care
• Coverage for routine vision care
• Prescription drug coverage
• Health and wellness programs

If you are enrolled in a Humana Medicare Advantage plan with routine dental coverage, Humana will detail what dental services are included and what each service costs.

If your Humana Medicare Advantage plan includes routine dental coverage, you may be required to visit dental providers in the Humana network. Current plan members can use the Humana dental provider lookup tool to find nearby dentists who may be part of a Humana plan network.

Humana Medicare Prescription Drug Plans

Medicare Part D prescription drug plans don’t include dental coverage.

If you need dental insurance coverage, you may be able to enroll in a private insurance plan or a Humana Medicare Advantage Prescription Drug plan with dental coverage.

A licensed sales agent⁵ can help you review your Medicare coverage options and help you find a plan with dental coverage and see if you may be eligible to enroll. Simply call today at 1-855-298-6309 TTY Users: 711 24 hours a day, 7 days a week, or request a free plan quote online. There is no obligation to enroll in a plan. 

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