Humana review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Humana is a US insurer whose dental cover starts at $18 a month, a fair entry price for households wanting one insurer for dental, health and life. Its monthly model suits anyone budgeting monthly, while capped annual maximums on the paid plans point to people who want generous preventive cover instead.

Key facts

Best for
US households wanting dental, health and life cover from one insurer on monthly payments.
Premium from
$18 (Source, checked September 26, 2026)
Insurance types
Dental, Health, Life (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
$50 (Source, checked September 26, 2026)
Cover limit
Annual maximum unlimited (Preventive Value PPO); $1,000-$1,500 per individual (Loyalty Plus and Complete Dental PPO) (Source, checked September 26, 2026)
Legal entity
Humana Inc. (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1961 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
humana.com

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Premiums start at $18 a month on a monthly model
  • One insurer covers dental, health and life, under Humana Inc.
  • The Preventive Value PPO carries an unlimited annual maximum
  • Backed by a long operating history, founded in 1961

Cons

  • The Loyalty Plus and Complete Dental PPO cap the annual maximum at a set figure per person
  • Support runs on phone only, with no listed email or chat route
Humana

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • US households wanting dental, health and life cover in one place
  • Anyone who pays premiums monthly rather than in a lump sum
  • People focused on preventive dental work with no annual ceiling

Who should look elsewhere

  • Anyone wanting an annual dental budget with no ceiling on restorative work
  • People who need written support by email or live chat rather than phone

How Humana compares

Where Humana is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a Humana dental plan cost?+

Dental premiums start at $18. How much you pay depends on the plan you pick, and the cover limit differs sharply: the Preventive Value PPO has an unlimited annual maximum, while the Loyalty Plus and Complete Dental PPO apply a fixed annual figure per person.

Can I pay Humana premiums monthly?+

Yes. Monthly payments are available, and monthly lists monthly as the payment model. Nothing in the details points to a single upfront payment, so budgeting a set amount each month is the way this cover is set up to work.

What does an excess mean on a Humana dental plan?+

An excess is the part of a claim you pay yourself before cover starts. On the Preventive Value plan the excess starts at $50, so a straightforward visit leaves a small amount with you rather than the insurer.

Is Humana a broker or the insurer itself?+

Humana is the insurer, listed as insurer, and the policy is issued by Humana Inc. with its headquarters in the United States. You deal with the company that carries the risk rather than a middleman choosing it for you.

Does Humana cover more than dental?+

Yes. The cover list runs to dental, health and life, so dental can sit alongside health and life policies from the same company. If you want cover across several areas, one insurer can handle the lot.

How do I reach Humana for help?+

Support runs on phone. That means a call is the route for questions about claims, premiums and cover, and it is the channel listed for this insurer.

How long has Humana been trading?+

Humana was founded in 1961 and is registered as Humana Inc., based in the United States. A long trading history gives some reassurance that the company behind the policy will still be there when a claim is made.

Is a Humana dental plan worth it for older people?+

Older households often favour preventive and routine dental work, and the Preventive Value PPO has an unlimited annual maximum, which suits heavy checkup and hygiene use. The capped plans are the better value if treatment stays light. Compare the annual maximum against your likely use before choosing.

Sources

  • en.wikipedia.org/wiki/Humana checked September 26, 2026

    Backs: Founded, Headquarters

    “Founded August 18, 1961; 65 years ago (1961-08-18) (as Extendicare Inc.)”

  • humana.com/dental-insurance checked September 26, 2026

    Backs: Provider type, Insurance types, Legal entity, Pricing model, Monthly payments, Premium from, Support channels

    “Humana Individual dental and vision plans are insured or offered by Humana Insurance Company, HumanaDental Insurance Company”

  • humana.com/dental-insurance/ppo checked September 26, 2026

    Backs: Cover limit

    “Annual maximum - Unlimited (Preventive Value); $1,000/$1,250/$1,500 per individual (year 1/2/3+, Loyalty Plus); $1,250/$1,500 per individual (year 1/year 2+, Complete Dental)”

  • humana.com/dental-insurance/preventive-value checked September 26, 2026

    Backs: Excess from

    “$50 individual deductible, $100 deductible for individual +1 (dependent or spouse), $150 family deductible (3+ individuals)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Humana

Humana

US households wanting dental, health and life cover from one insurer on monthly payments.

9.1/10See alternatives

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