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Humana Dental Smart Choice - High
Healthcare.gov Individual Dental Plan Finder
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Humana Dental Smart Choice - High

Overview
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Humana Dental Smart Choice - High is an individual dental health plan issued by Humana Insurance Company and is available for the year 2019. This dental plan is offered by the federal government through HealthCare.gov and the Affordable Care Act (ACA).

Do I Need to Buy a Dental Plan?

Some but not all health plans offer dental coverage. If your health plan does not include dental coverage, you can purchase a stand-alone dental plan.

However, you cannot buy a dental plan from the government healthcare marketplace, unless you are also buying a health plan at the same time.

Where Do I Need to Live to Quality for this Plan?

This plan is available for qualifying individuals who live in Kendall county, Illinois.

What Type of Dental Plan Is This?

This plan is a PPO plan, which is also known as a "Preferred Provider Organization." In this type of insurance plan, you can choose to receive care from doctors, hospitals, and other providers who are in-network or out-of-network. You pay less if you use in-network providers. In a PPO plan, you can visit any doctor without getting a referral.

This is a higher premium, lower copay and deductible plan. This means you pay more every month, but you will pay less when you use dental services. This plan is better for those who plan not to use a lot of dental services.

Where Can I Buy This Plan?

You can purchase this plan at HealthCare.gov.

About
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Issuer
Humana Insurance Company
Plan ID
68303IL0690004
Coverage area
Kendall County, Illinois
Phone
Local Phone: 1-877-720-4854
Toll-Free: 1-877-720-4854
TTY:
Plan type
PPO
Coverage type
Child only option
Allows Adult and Child-Only
Deductible
$25
Out-of-Pocket Maximum
$350
Coverage
Adult Dental Coverage
Child Dental Coverage
Deductible
Dental Deductible (Individual) $25
Dental Maximum Out of Pocket (Individual) $350
Dental Deductible (Family) Not Applicable
Dental Maximum Out of Pocket (Family) $700
Routine Dental Services (Adult) No Charge
Basic Dental Care (Adult) 30% Coinsurance after deductible
Major Dental Care (Adult) 50% Coinsurance after deductible
Adult Orthodontics Not Covered
Dental Check-Up for Children No Charge
Basic Dental Care (Child) 20% Coinsurance after deductible
Major Dental Care (Child) 50% Coinsurance after deductible
Orthodontia (Child) 50% Coinsurance after deductible
Premium Rates
Premium Child Age 0-14 36
Preimum Child Age 18 36
Premium Adult Individual Age 21 25
Premium Adult Individual Age 27 27
Premium Adult Individual Age 30 27
Premium Adult Individual Age 40 27
Premium Adult Individual Age 50 26
Premium Adult Individual Age 60 27
Premium Couple 21 50
Premium Couple 30 55
Premium Couple 40 55
Premium Couple 50 53
Premium Couple 60 55
Couple+1 child, Age 21 86
Couple+1 child, Age 30 91
Couple+1 child, Age 40 91
Couple+1 child, Age 50 90
Couple+2 children, Age 21 123
Couple+2 children, Age 30 128
Couple+2 children, Age 40 128
Couple+2 children, Age 50 126
Couple+3 or more Children, Age 21 159
Couple+3 or more Children, Age 30 164
Couple+3 or more Children, Age 40 164
Couple+3 or more Children, Age 50 163
Individual+1 child, Age 21 61
Individual+1 child, Age 30 64
Individual+1 child, Age 40 64
Individual+1 child, Age 50 63
Individual+2 children, Age 21 97
Individual+2 children, Age 30 100
Individual+2 children, Age 40 100
Individual+2 children, Age 50 99
Individual+3 or more children, Age 21 134
Individual+3 or more children, Age 30 136
Individual+3 or more children, Age 40 136
Individual+3 or more children, Age 50 136
Reference
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  • HealthCare.gov. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/
  • What You Should Know about Provider Networks. U.S. Centers for Medicare and Medicaid. Accessed June 11, 2019. https://marketplace.cms.gov/outreach-and-education/what-you-should-know-provider-networks.pdf
  • Dental coverage in the Marketplace. U.S. Centers for Medicare & Medicaid. Accessed June 11, 2019. https://www.healthcare.gov/coverage/dental-coverage/