Humana Dental Insurance

Humana Dental Insurance

Take care of your smile — and your overall health.

Brushing and flossing are important, but don’t forget regular dental visits! Through Lion
Advantage, Southeastern employees have three dental plan options through Humana, providing affordable coverage for routine care and more extensive dental needs.

Choose the dental plan that's right for you.

Employees may choose from three dental plans:

MAC Plan
The MAC Plan provides affordable dental coverage with an annual maximum benefit of $1,000 per person.

  • Annual Deductible: $50 individual / $150 family
  • Preventive & Diagnostic Services: Plan pays 100%
  • Basic Services: Plan pays 80%
  • Major Services: Plan pays 50%
  • Orthodontia: Not covered

Low Plan
The Low Plan provides enhanced dental coverage with a higher annual maximum and
orthodontia benefits.

  • Annual Maximum: $1,500 per person
  • Annual Deductible: $50 individual / $150 family
  • Preventive & Diagnostic Services: Plan pays 100%
  • Basic Services: Plan pays 80%
  • Major Services: Plan pays 50%
  • Orthodontia: Plan pays 50%, up to a $1,500 lifetime maximum

High Plan
The High Plan offers the highest annual maximum benefit and increased orthodontia coverage.

  • Annual Maximum: $2,000 per person
  • Annual Deductible: $50 individual / $150 family
  • Preventive & Diagnostic Services: Plan pays 100%
  • Basic Services: Plan pays 80%
  • Major Services: Plan pays 50%Orthodontia: Plan pays 50%, up to a $2,000 lifetime maximum

The Low and High Plans provide orthodontia coverage for adults and dependent children up to age 26.

Save more by using a network dentist.

You can visit the dentist of your choice, but you’ll generally save more when you use a dentist who participates in the Humana network.

In-network dentists accept Humana’s negotiated amount for covered services and do not balance bill you for the difference between their usual charge and the negotiated amount.

When you use an out-of-network dentist, your out-of-pocket costs may be higher, and you may be responsible for charges above the plan’s Maximum Allowable Charge (MAC) or Usual, Customary and Reasonable (UCR) amount.

Find a participating dentist: Visit Humana’s Find Care directory to search for an in-network provider.

Your benefits don't necessarily stop when you reach your annual maximum.

All three dental plans include Humana’s Extended Annual Maximum Benefit.

Once you reach your plan’s annual maximum, Humana will continue to pay 30% of covered charges for eligible services.* When you continue to use an in-network dentist, you’ll also have access to Humana’s negotiated network discounts.

This feature provides an additional level of coverage if you need more dental care than expected during the year.

Dental Premiums

Dental premiums are deducted from your paycheck on a pre-tax basis. Your premium is determined by the plan and coverage tier you select.

Employees may select coverage for:

  • Employee Only
  • Employee + Spouse
  • Employee + Child(ren)
  • Employee + Family

Premiums are available for both 12-month and 10-month employees. Please refer to the Dental Plan Summary for current rates.

Have Questions?

For questions about your dental coverage, claims, participating providers, or other plan benefits, contact Humana or visit Humana’s website for additional information.

This is a summary of dental benefits and is not a complete listing of covered services. Please refer to the applicable Summary Plan Document for complete coverage details, limitations, and exclusions.