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Navigating Your Golden Years With Humana Gold Plus Dental: A Guide For Seniors

Written By: Nathan Justice
Reviewed By: William Rivers
Published: July 15, 2023
Last updated: November 11, 2023

Navigating the landscape of dental care in your golden years can be a daunting task. With the myriad of options available, it's crucial to find a plan that caters to your unique needs as a senior. Humana Gold Plus Dental for Seniors is designed with this in mind, offering a comprehensive dental plan that prioritizes your oral health and overall well-being. 

This guide will walk you through the benefits, services, and cost considerations of this plan, helping you make an informed decision about your dental care.

Overview Of Humana Gold Plus Dental For Seniors

Humana Gold Plus Dental for Seniors is a comprehensive dental plan specifically designed to meet the dental needs of senior individuals. With a wide range of services and benefits, this plan ensures that seniors receive the necessary dental care to maintain good oral health and improve their overall quality of life. From basic cleanings and exams to major procedures like root canals, Humana Gold Plus Dental provides coverage for a variety of dental procedures. The plan also includes supplemental benefits such as prescription drug coverage, ensuring that seniors have comprehensive coverage for their dental and medical needs. 

Benefits Of Humana Gold Plus Dental For Seniors

Humana Gold Plus Dental offers a wide range of benefits specifically tailored for seniors, ensuring they have access to comprehensive dental coverage and maintaining good oral health.

  • One of the key advantages of this plan is the low co-pays, which helps seniors manage their dental expenses. With Humana Gold Plus Dental, seniors can receive major services such as root canals, dental procedures, and periodontal scaling without breaking the bank.

  • Additionally, this plan provides a wide choice of dentists, allowing seniors to select a provider that best meets their needs. The extensive network of dentists ensures that seniors can receive quality care from experienced professionals.

  • Furthermore, Humana Gold Plus Dental offers direct access to specialists, eliminating the need for referrals. This gives seniors the freedom to receive specialized care for complex dental issues without any hassle.

  • By choosing Humana Gold Plus Dental, seniors can enjoy the benefits of comprehensive dental coverage, including preventive care, oral exams, and basic services. This plan is designed to enhance the quality of life for older Americans, providing them with the necessary dental care to maintain their oral health in their senior years.

Major Services Covered

Humana Gold Plus Dental for seniors offers comprehensive coverage for major dental services. This means that seniors can receive necessary treatments such as root canals, dental procedures, and periodontal scaling without worrying about high out-of-pocket costs. 

Basic Services

Humana Gold Plus Dental for Seniors offers comprehensive dental coverage that includes a range of basic services to help maintain oral health. These basic services are aimed at preventing and treating common dental issues.

Under this plan, members have access to routine oral exams, which are essential for early detection and prevention of dental problems. The plan also covers basic preventive services such as cleanings and X-rays, which are important for maintaining oral hygiene.

Additionally, Humana Gold Plus Dental for Seniors covers restorative services such as fillings and extractions. These services address dental issues caused by decay or damage to the teeth.

While the plan covers a wide range of basic services, it's important to note that costs may vary depending on the individual's specific needs and the treatment provided.

Additional Services

In addition to routine dental care, Humana Gold Plus Dental for Seniors offers a range of additional services to ensure comprehensive oral health coverage. Members can enjoy dental benefits for routine care such as oral exams, cleanings, fillings, and X-rays, which are crucial for maintaining good oral hygiene and detecting any dental issues early on.

For individuals with more serious dental needs, the plan also covers procedures like crowns, root canals, extractions, and dentures through the Optional Supplemental Benefits (OSB) plan. These services address complex dental problems and help seniors improve their overall oral health and quality of life.

Supplemental Benefits

Humana Gold Plus Dental for Seniors offers supplemental benefits that provide additional coverage for various dental procedures and devices, such as crowns, root canals, extractions, and dentures. These benefits are designed to address more serious dental needs and help seniors improve their overall oral health and quality of life.

The Optional Supplemental Benefits (OSB) plan covers a range of procedures and devices that are not typically included in basic dental coverage. This includes services like crowns, which are used to restore and strengthen damaged teeth, and root canals, which treat infections and save teeth from extraction. Extractions, required when a tooth cannot be saved, are also covered, as well as dentures, which replace missing teeth and restore functionality.

The OSB plan works in conjunction with specific Advantage plans, providing seniors with comprehensive coverage for both their dental and overall healthcare needs. 

Network Providers

Humana Gold Plus Dental for Seniors offers a wide network of providers to ensure seniors have access to quality dental care. With a nationwide network of dentists, seniors can choose from a range of experienced professionals who are committed to providing excellent dental services. By selecting a network provider, seniors can receive care from dentists who have agreed to provide services at pre-negotiated rates, resulting in potential cost savings. This network of providers ensures that seniors can find a dentist conveniently located near them and receive the care they need to maintain optimal oral health. 

Nationwide Network Providers

Humana Gold Plus Dental for Seniors offers a nationwide network of providers, ensuring access to quality dental care across the country. With the largest network of dental providers, Humana Gold Plus Dental for Seniors is committed to providing seniors with comprehensive dental coverage and personalized care.

In partnership with AARP, Humana extends its services and benefits to a wide range of individuals, making it one of the leading dental insurance providers for seniors. This partnership allows Humana to offer its senior-specific plan, Humana Gold Plus Dental for Seniors, in 49 states and Washington, D.C., ensuring that seniors nationwide have access to affordable dental care.

Locating A Provider Near You

If you're looking to locate a provider near you for Humana Gold Plus Dental for Seniors, follow these simple steps:

  1. Visit The Humana Website: Go to the official Humana website to access their provider search tool.

  2. Select Your Location: On the provider search page, enter your zip code or address to find dentists in your specific area.

  3. Filter Your Search: Use the provided filters to narrow down your search based on your preferences and needs. This can include selecting the Humana Gold Plus Dental for Seniors plan and specifying any additional requirements you may have.

  4. View Available Providers: Once you've entered your location and filtered your search, a list of available providers near you will be displayed. You can view the profiles of these providers to learn more about their qualifications and services.

It's important to note that Humana Gold Plus Dental for Seniors is available in South Dakota, as well as in 49 other states and Washington, D.C. This means that you can access Humana's dental services and benefits wherever you are in the country.

Cost Considerations

Cost Considerations: When it comes to choosing a dental plan, cost is an important factor to consider. The plan offers a range of dental services, including major procedures like root canals, with predictable and manageable out-of-pocket costs. In addition to the monthly premium, Humana Gold Plus Dental for Seniors also provides prescription drug coverage, further reducing your overall healthcare expenses. The plan offers annual allowances for preventive services, such as oral exams and periodontal scaling, helping you maintain good oral health while keeping costs in check.

Monthly Premiums

Humana Gold Plus Dental for Seniors offers comprehensive dental coverage with the flexibility of optional benefits to suit individual needs. The monthly premiums for this plan vary based on factors such as location and plan type. 

With Humana Gold Plus Dental for Seniors, members have the option to add on supplemental benefits such as prescription drug coverage, hearing expenses, and even pet care. These optional benefits come with associated costs that are added to the monthly premium.

Pocket Costs And Deductibles

Humana Gold Plus Dental for Seniors offers comprehensive coverage for dental services, but it's important to understand the pocket costs and deductibles associated with the plan.

  • There may be a deductible, which is the amount a member must pay before the plan starts to cover any services. The exact deductible amount may vary depending on the specific plan selected.

  • Additionally, members may also have copays for certain services. A copay is a fixed amount that a member pays for a specific dental service, such as an oral exam or a filling. The specific copay amounts will depend on the services provided and the plan chosen.

  • Coinsurance is another factor to consider. After meeting the deductible, members may be responsible for a percentage of the cost of services. This percentage, known as coinsurance, is typically applied to major procedures or dental treatments.

  • Lastly, it's important to know if there is an out-of-pocket maximum. This is the maximum amount a member will have to pay for covered dental services within a year. Once this maximum is reached, the plan will typically cover 100% of the remaining costs for covered services.

Prescription Drug Coverage And Plan Costs

The costs associated with prescription drug coverage under Humana Gold Plus Dental for Seniors can vary based on the specific plan selected. This includes factors such as the monthly premium, deductibles, and copays. It's important for seniors to carefully review the details of each plan to understand the specific costs they may incur.

When shopping for Medicare Advantage dental coverage, it's crucial to consider various factors that can impact costs. One of these factors is the specific plan chosen, as different plans may have varying costs for prescription drug coverage. Additionally, the cost of dental coverage can also depend on the type of service needed, such as preventive care or major procedures.

Seniors should also take into account star ratings when evaluating Medicare Advantage plans. These ratings reflect the quality and performance of the plan, including factors such as customer satisfaction and care coordination. Considering star ratings can help seniors choose a plan that offers high-quality dental coverage.

Understanding The Humana Gold Plus Dental For Senior Citizens

Navigating the golden years should not be a journey filled with worry about dental health or financial burdens. Humana Gold Plus Dental for Seniors is designed to alleviate these concerns, providing comprehensive dental coverage tailored to your unique needs. From preventive care to major procedures, and even extending to personal and pet care, this plan goes beyond traditional dental insurance. It's about more than just coverage; it's about providing you with peace of mind and the freedom to focus on enjoying life. 

Unlock the full potential of your benefits with Humana! Explore our insightful blog post on how to use your Humana Flex Card efficiently. Make your golden years shine brighter by optimizing your dental care budget.

Find out more about benefits and helpful programs for seniors by exploring our guides. Visit Senior Strong and check out our resource on where can seniors get the best dental care.

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Nathan Justice manages community outreach programs and forums that help many senior citizens. He completed a counseling program at the University of Maryland’s Department of Psychology.
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