Humana Dental Smart Choice - High PPO

Humana
High
The Humana Dental Smart Choice - High is a health plan issued by Humana for the year 2021. The plan is offered by the U.S. federal government through Healthcare.gov under the Affordable Care Act.

Overview

Plan issuer
Humana
Child-only offering
Allows Adult and Child-Only
Plan type
PPO

The Humana Dental Smart Choice - High plan is a Preferred Provider Organization (PPO) plan. If you use providers in the plan's network, you will pay less. Out-of-network health providers can be used at an additional cost. You do not need a referral to see a specialist.

Metal level
High

High coverage plans have higer premiums but lower copays and deductibles. This plan is a good value for those who plan to use more dental services. You pay more eac month, but less wen you use dental services.

Contact

Customer service number
1-877-720-4854
Toll-free customer service number
1-877-720-4854

Coverage

Adult

Routine dental services
Yes
Basic dental care
Yes
Major dental care
Yes
Orthodontics
No

Child

Routine dental check up
Yes
Basic dental care
Yes
Major dental care
Yes
Orthodontics
Yes

Deductible

Individual
Deductible
$35
Maximum out of pocket
$350
Family
Deductible
Not Applicable
Maximum out of pocket
$700
Family per person
Deductible
Not Applicable
Maximum out of pocket
$350

Copay and Coinsurance

Adult
Routine dental services
No Charge
Basic dental care
30% Coinsurance after deductible
Major dental care
60% Coinsurance after deductible
Ortodontics
Not Covered
Child
Routine dental services
No Charge
Basic dental care
20% Coinsurance after deductible
Major dental care
50% Coinsurance after deductible
Ortodontics
50% Coinsurance after deductible

Premium payment

The premium is the amount you pay for health insurance each month. This does not include other healthcare costs such as your deductible, copayments, and coinsurance.

Your premium depends on who is covered by the insurance and their ages. Generally, premiums increase if there are more people covered or if people covered are older.

Premium rates

Coverage Monthly premium Annual premium
Child (age 0-14) $27.16 $325.92
Child (age 18) $27.16 $325.92
Adult individual (age 21) $19.04 $228.48
Adult individual (age 27) $19.43 $233.16
Adult individual (age 30) $19.43 $233.16
Adult individual (age 40) $19.43 $233.16
Adult individual (age 50) $19.04 $228.48
Adult individual (age 60) $20.01 $240.12
Couple (age 21) $38.08 $456.96
Couple (age 30) $38.86 $466.32
Couple (age 40) $38.86 $466.32
Couple (age 50) $38.08 $456.96
Couple (age 60) $40.02 $480.24
Couple (age 21) plus 1 child $65.24 $782.88
Couple (age 30) plus 1 child $66.02 $792.24
Couple (age 40) plus 1 child $66.02 $792.24
Couple (age 50) plus 1 child $65.24 $782.88
Couple (age 21) plus 2 children $92.40 $1,108.80
Couple (age 30) plus 2 children $93.18 $1,118.16
Couple (age 40) plus 2 children $93.18 $1,118.16
Couple (age 50) plus 2 children $92.40 $1,108.80
Couple (age 21) plus 3 or more children $119.56 $1,434.72
Couple (age 30) plus 3 or more children $120.34 $1,444.08
Couple (age 40) plus 3 or more children $120.34 $1,444.08
Couple (age 50) plus 3 or more children $119.56 $1,434.72
Single parent (age 21) plus 1 child $46.20 $554.40
Single parent (age 30) plus 1 child $46.59 $559.08
Single parent (age 40) plus 1 child $46.59 $559.08
Single parent (age 50) plus 1 child $46.20 $554.40
Single parent (age 21) plus 2 children $73.36 $880.32
Single parent (age 30) plus 2 children $73.75 $885.00
Single parent (age 40) plus 2 children $73.75 $885.00
Single parent (age 50) plus 2 children $73.36 $880.32
Single parent (age 21) plus 3 or more children $100.52 $1,206.24
Single parent (age 30) plus 3 or more children $100.91 $1,210.92
Single parent (age 40) plus 3 or more children $100.91 $1,210.92
Single parent (age 50) plus 3 or more children $100.52 $1,206.24

Source

Our data is directly sourced from Healthcare.gov, the U.S. federal government's Health Insurance Marketplace®, created under the Affordable Care Act.