Humana Dental Insurance in Texas
Humana is the low-cost leader for dental coverage in Texas metros. If you live in Dallas/Fort Worth, Houston, Austin, or San Antonio, Humana's DHMO plans start around $18 a month - often the cheapest real dental coverage you can buy in the state. Their PPO options climb to about $45/month for broader network access and higher annual maximums.
The trade-off: Humana's network is thinner once you leave the major metros. If you're in rural Texas, you'll want to check dentist availability before enrolling - or consider a PPO option instead of the DHMO.
Humana Dental in Texas - At a Glance
- Starting price: $18/mo (HumanaOne DHMO in Texas metros)
- Best network fit: Dallas/Fort Worth, Houston, Austin, San Antonio
- Plan types available: DHMO and PPO
- Annual maximums: $1,000-$1,500 on PPO plans; no max on DHMO
- Open enrollment: Not required - enroll any time of year
Humana Dental Plans Available in Texas
Humana Dental Loyalty Plus (PPO) Most Popular
Humana's most popular individual PPO in Texas. No waiting periods on preventive care, 6-month wait on basic services, 12-month wait on major services. Annual maximums typically $1,000-$1,500. Best for members who want flexibility to choose any dentist, with lower out-of-pocket costs at in-network providers.
- Network: Humana Dental PPO (broad, strong in Texas metros)
- Preventive coverage: 100% in-network, no waiting period
- Basic services: 50-80% after waiting period
- Major services: 50% after 12-month waiting period
- Best for: Families and individuals who want traditional PPO flexibility
Humana Dental Preventive Plus
Budget-friendly plan focused on cleanings, exams, and x-rays. Light coverage for basic and major services. Good for members who mainly need preventive care and want to keep monthly premiums low.
- Monthly premium: Among the lowest in the Humana lineup
- Preventive: Fully covered in-network
- Basic/major: Limited - check benefit schedule
- Best for: Healthy adults who only need cleanings and exams
Humana Dental Complete (PPO)
Comprehensive PPO with higher annual maximums ($1,500+) and richer coverage on major services. Premiums run higher but the coverage is closer to what you'd get from an employer plan.
- Best for: Members expecting crowns, bridges, or implants in the coming year
- Annual max: Up to $1,500
- Waiting periods: Apply for basic and major services
HumanaOne Dental Value (DHMO) Lowest Cost
The lowest-premium option, starting around $18/month in covered Texas metros. You must use a Humana DHMO network dentist - no out-of-network coverage - but copays are fixed and there's no annual maximum. Available in Dallas/Fort Worth, Houston, Austin, and San Antonio.
- Network: DHMO only (must select a primary care dentist)
- No annual maximum on covered services
- No waiting periods on most services
- Best for: Cost-conscious members in Texas metros
- Limitation: Sparse network outside major cities
Humana Dental Plan Comparison
Side-by-side look at Humana's four main individual dental plans in Texas. Typical rates for adults 40-55 in Texas metros.
| Plan | Monthly Premium | Annual Max | Network | Waiting Period |
|---|---|---|---|---|
| HumanaOne Value (DHMO) | $18-$28 | None (copay model) | DHMO (metros only) | None on most services |
| Preventive Plus | $22-$32 | $1,000 | PPO | None on preventive |
| Loyalty Plus (PPO) | $28-$38 | $1,000-$1,500 | PPO | 6 mo basic / 12 mo major |
| Dental Complete | $35-$45 | $1,500 | PPO | 6 mo basic / 12 mo major |
Humana vs. Other Texas Dental Carriers
How Humana stacks up against the other major dental carriers available to Texans. Use this to decide whether Humana is the right fit, or whether a competing plan has the edge for your situation.
| Carrier | Typical Premium | Annual Max | Texas Network | Best For |
|---|---|---|---|---|
| Humana | $18-$45 | $0-$1,500 | Strong in metros | Lowest-cost metro coverage |
| BCBSTX Dental | $28-$52 | $1,000-$2,000 | Largest in-state | Statewide including rural |
| Cigna Dental | $30-$55 | $1,000-$1,500 | Mid-size, national | Out-of-state travelers |
| Delta Dental | $30-$55 | $1,000-$2,000 | Largest nationally | National network needs |
| Ameritas | $32-$58 | $1,000-$2,000 | Broad | Orthodontia coverage |
| Renaissance | $22-$38 | $1,000-$1,250 | Broad | Preventive-focused adults |
Humana's Texas Dentist Network
Humana operates two separate dental networks in Texas:
- Humana Dental PPO network - broad coverage throughout Texas metros and most mid-sized cities. Used by Loyalty Plus, Preventive Plus, and Complete plans.
- Humana Dental DHMO network - smaller, concentrated in Dallas/Fort Worth, Houston, Austin, and San Antonio. Used only by the HumanaOne Dental Value plan.
Check your dentist before enrolling. Humana's network is strongest in the Texas Triangle (DFW, Houston, Austin, San Antonio) and along the I-35 and I-45 corridors. Coverage thins in West Texas, the Panhandle, and rural East Texas. Call us and we'll verify your dentist is in-network before you apply.
Who Humana Dental Is Best For
✓ Humana is a strong fit if:
- You live in DFW, Houston, Austin, or San Antonio and want the cheapest real dental coverage
- You're comfortable with a DHMO model (fixed copays, primary care dentist)
- You primarily need preventive care with some basic services
- You want predictable fixed copays instead of percentage coinsurance
✗ Look elsewhere if:
- You live in rural Texas (consider BCBSTX or Renaissance)
- You need orthodontic coverage with a high lifetime max (Ameritas is better)
- You travel out of state and need a national PPO network (Delta or Cigna)
How to Enroll in Humana Dental in Texas
Humana dental plans can be purchased year-round - there's no open enrollment window for individual dental coverage. Most plans go into effect the 1st of the month following application, though some offer immediate effective dates. You have two options:
- Call a licensed Texas agent: (972) 666-0578. We'll verify your dentist is in-network, walk through your plan options in 10 minutes, and enroll you over the phone. No obligation.
- Request a quote online: Fill out our quote form and we'll email you plan options the same business day.
Frequently Asked Questions
Does Humana dental cover orthodontics in Texas?
Most Humana individual dental plans do not include adult orthodontic coverage. A few plans include a pediatric orthodontic benefit with a lifetime max (typically $1,000-$1,500). If orthodontics is a priority, Ameritas Dental generally has stronger ortho benefits.
Is there a waiting period for Humana dental?
It depends on the plan. Preventive care (cleanings, exams, x-rays) has no waiting period on any Humana plan. Basic services (fillings, simple extractions) typically have a 3-6 month wait. Major services (crowns, bridges, root canals) have a 12-month waiting period on most PPO plans. The HumanaOne DHMO plan waives most waiting periods.
Can I keep my current dentist with Humana?
On a PPO plan, yes - you can see any dentist, but you'll save more in-network. On the HumanaOne DHMO plan, you must use a Humana network dentist. Call us at (972) 666-0578 and we'll check your dentist's network participation before you enroll.
Does Humana cover implants?
Some Humana plans cover implants as a major service (subject to waiting periods and annual maximum). Others exclude implants entirely. Implant coverage is one of the first things we check when quoting - ask us directly.
How long does Humana dental coverage last?
Humana individual dental plans are guaranteed-renewable year-to-year. You can keep the same plan indefinitely as long as you pay premiums and Humana continues to offer the plan in Texas.
Get a Humana Dental Quote for Texas Today
We're independent licensed Texas insurance agents - we don't work for Humana, so we'll give you an honest comparison against BCBSTX, Cigna, Delta, Ameritas, and the other Texas dental carriers. If Humana's the right fit, we'll enroll you. If it's not, we'll tell you.
| PrimeStar® Care Lite | PrimeStar® Care Boost | PrimeStar® Care Complete | |
|---|---|---|---|
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| Network | Designed for those who will utilize a Ameritas Dental Network provider | Freedom to use any dentist, opportunity to utilize a Ameritas Dental Network provider for additional savings | Richest benefit dental plan available, opportunity to utilize Ameritas Dental Network provider for additional savings |
| Maximum Benefit | $750 Day 1 $1,500 after Year 1 |
$1,000 Day 1 $2,500 after Year 1 |
$2,000 Day 1 $3,500 after Year 1 |
| Deductible (Basic & Major only)a specified amount of money that the insured must pay before an insurance company will pay a claim. | $50 | $50 | $50 |
| Waiting Periods | No | No | No |
| Enrollment Fees | No | No | No |
| Monthly Cost | $28.96 | $51.82 | $59.40 |
| Plan Pays | Plan Pays | Plan Pays | |
| Exams (2/year) | 100% | 100% | 100% |
| Cleanings (2/year) | 100% | 100% | 100% |
| Bitewing X-rays | 100% | 100% | 100% |
| Fluoride Treatments (under age 16) | 100% | 100% | 100% |
| Sealants (under age 16) | 100% | 100% | 100% |
| BASIC SERVICES (type 2)
Year 2 benefits start immediately with prior coverage
|
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| Plan Pays | Plan Pays | Plan Pays | |
| Fillings | Starting Day 1: 50%
After Year 1: 80% |
Starting Day 1: 65%
After Year 1: 80%
|
Starting Day 1: 80%
After Year 1: 90% |
| Simple Extractions | Starting Day 1: 50%
After Year 1: 80% |
Starting Day 1: 65%
After Year 1: 80% |
Starting Day 1: 80%
After Year 1: 90%
|
| MAJOR SERVICES (type 3) | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Oral Surgery |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20%
After Year 1: 50% |
| X-Rays (panoramic) |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| Endodontics | Starting Day 1: 10%
After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| Periodontics |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| Crowns |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| Bridges |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| Dentures |
Starting Day 1: 10% After Year 1: 20% |
Starting Day 1: 20%
After Year 1: 50% |
Starting Day 1: 20% After Year 1: 50% |
| ORTHODONTICS | |||
| Plan Pays | Plan Pays | Plan Pays | |
| Lifetime Maximum $1,000/child (under age 19) | Not Covered | Starting Day 1: 15%
After Year 1: 50% |
Not Covered |
| Primestar Choice VSP Plan | Primestar EyeMed Access Plan | |||
|---|---|---|---|---|
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| Network |  |
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| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| Eye Exam | $10 | $45 | $25 | $50 |
| Contact Lens Exam & Fitting | Up to $60 | $105 | $15 | $105 |
| Frames | $0 with $150 allowance | $70 | $0 with $130 allowance | $70 |
| Contacts (in Lieu of frames) | $0 with $150 allowance | $105 | $0 with $130 allowance | $105 |
| Single/Bifocal/Trifocal Lenses | $20 | $30/$50/$65 | $25 | $50/$75/$100 |
| Lenticular Lenses | $20 | $100 | $25 | $0* |
| Monthly Cost | $16.34 | $10.67 | ||
| Standard Lens Enhancements | ||||
| In-Network Copay | Out-of-Network Allowance | In-Network Copay | Out-of-Network Allowance | |
| UV Protection Coating | $16 | Not Available | $15 | Not Available |
| Glass Tints | $34 | Not Available | $15 | Not Available |
| Factory Applied Standard Scratch Resistance Coating | $17 | Not Available | $15 | Not Available |
| Polycarbonate Lenses | $31 | Not Available | $40 | Not Available |
| Anti-Reflective Coating | $41 | Not Available | $45 | Not Available |
| Standard Progressive | $50 for Multifocal | $50 | $65 | $75 |
| Other Add-Ons | Available at a discount | Not Available | Available at a discount | Not Available |
Network Information
Network for greatest savings.
- Over 400,000 access points nationwide
- Over 100,000 unique providers nationwide
- Ameritas 65+ insureds have a 41% network utilization with a 31% discount average
- 94% provider persistency
Savings Example
| Procedure | 80th U&C | Network Rate† | Day One Cost | Day One Savings | Year Two Cost | Year Two Savings |
|---|---|---|---|---|---|---|
| Cleaning | $108 | $61 | $0 | 100% | $0 | 100% |
| Filling | $139 | $80 | $52 | 62% | $16 | 88% |
| Crown | $1,117 | $748 | $635 | 43% | $374 | 66% |
| Description of benefits shown based on 78415 zip code. Rates vary by location. Benefits based on Advantage Plus II dental plan. †MAC/MAB charge. | ||||||
Apply Online Now
- Savings for using the Humana network
- Still have the freedom to use any dentist you would like
- Instant free online quotes
- No online enrollment fees
- Optional vision add-on