Illinois residents purchasing HumanaOne health insurance have the option of adding on a quality dental insurance product. HumanaOne dental insurance is not available on a stand-alone basis.
The HumanaOne dental plan applies the same deductible, benefit percentage and benefit maximum whether or not you use a dentist participating in the HumanaDental PPO Network. However, when you utilize a dentist participating in Humana's network, you get significant discounts off normal retail fees -- with no balance billing. That reduces your out-of-pocket expense.
For a detailed review of benefits, limitations and exclusions, take a look at the HumanaOne Dental Plan Outline. Following is a brief summary:
Annual Deductible: $50 individual / $150 family
Annual Maximum Benefit: $1000 per individual