Key Plan Benefits
The Federal Advantage plan is a network-based dental plan that emphasizes prevention and cost control. Members select any participating Advantage network dentist or specialist. Care received from an out-of-network dentist (except emergency care) is not a covered benefit.
More reasons to choose Humana:
- No waiting period for orthodontic or any other services
- No annual deductible
- $10,000 annual maximum (excludes orthodontics)
- No annual maximum for orthodontics
What's Covered
Hundreds of dental procedures
The Federal Advantage Plan covers just about every type of tooth and gum procedure - from diagnostic and preventive services to restorative, periodontal and oral surgery. Even braces for people under 19 years old!
No referrals, no hassles
You can go to any Federal Advantage network dentist or specialist at any time. If you ever have a complicated dental need, you can go to a participating network Federal Advantage specialist without a referral or special approval. And, you'll pay the same low copayment as you would to your participating Federal Advantage dentist.
- Copayment schedule
- (2.48 MB) Download PDF
- English
Why Dental Insurance?
Dental care costs can grow quickly. With coverage from the Humana Dental Federal Advantage Plan, you save money on dental care. Here is how:
Typical adults costs*
| Procedure | With the plan | Without the plan | Total savings |
|---|---|---|---|
| Total** | $592 | $2,371 | $1,779 |
| Two periodic exams | $0 | $98 | $98 |
| Two bitewing X-rays | $0 | $120 | $120 |
| Two quadrants of periodontal scaling and root planing | $126 | $500 | $374 |
| Two routine cleanings | $0 | $188 | $188 |
| One resin - surface filling | $36 | $165 | $129 |
| Porcelain crown | $430 | $1,300 | $870 |
*Costs based on 50th percentile of UCR fees, 7/2009 PHCS Ingenix data, for the Washington, DC, area.
**Total savings does not account for annual premium.
Premium Costs
Find your rate area and choose monthly or bi-weekly to get premiums specific to your area.
Rate Area 1:
Alabama, Illinois, Indiana, Kansas, Kentucky, Missouri, Ohio (all ZIP codes except 430-432), Tennessee and Utah
Rate Area 2:
Arizona, Florida, Maryland (ZIP codes 206-218), Virginia (ZIP codes 201, 220-226) and Washington D.C.
Rate Area 3:
Georgia (ZIP codes 300-303, 311), Ohio (ZIP codes 430-432), Oklahoma, Texas and West Virginia
Rate Area 4:
California, Colorado, Virginia (ZIP codes 227-229, 233-237, 239-246)
Rating Area 5:
Arkansas, Georgia (all ZIP codes except 300-303, 311), Louisiana, Mississippi, North Carolina, South Carolina and Virginia (ZIP codes 230-232, 238)
Bi-Weekly
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Rate Area 1 | $9.65 | $19.28 | $28.93 |
| Rate Area 2 | $10.38 | $20.75 | $31.13 |
| Rate Area 3 | $10.45 | $20.89 | $31.34 |
| Rate Area 4 | $14.26 | $28.52 | $42.78 |
| Rate Area 5 | $14.33 | $28.65 | $42.98 |
Monthly
| Self Only | Self Plus One | Self and Family | |
|---|---|---|---|
| Rate Area 1 | $20.91 | $41.77 | $62.68 |
| Rate Area 2 | $22.49 | $44.96 | $67.45 |
| Rate Area 3 | $22.64 | $45.26 | $67.90 |
| Rate Area 4 | $30.90 | $61.79 | $92.69 |
| Rate Area 5 | $31.05 | $62.08 | $93.12 |