Supplemental Health Plans

  Humana Dental insurance offers serval key benefits: 

• It allows 100% coverage for preventive services like cleanings and x-rays, 80% coverage for basic services like fillings, and 50% coverage for major services like crowns and bridges. This makes it easier to afford necessary dental treatments.
• There are no waiting periods, so you can use your benefits right away without having to wait 6-12 months.
• It has generous yearly maximums, typically $1,500-$2,000, allowing you to complete more treatment in a given year.
• As a PPO plan, you have the freedom to choose any dentist you want, though costs are lower if you see an in-network provider.
• Humana Dental has been around for a long time and is considered a fair, easy-to-understand insurance plan by dental providers.

Delta Dental offers several benefits to its members:

• Delta Dental provides dental insurance plans that cover a range of services including diagnostic, preventive, basic, and major dental procedures. This helps offset the costs of routine cleanings, fillings, root canals, crowns, bridges, dentures, and more.
• Delta Dental has the largest network of participating dentists nationwide, giving members access to over 4 out of 5 dentists in the U.S. This provides greater choice and convenience in finding an in-network provider.
• Members receive discounted rates when visiting in-network Delta Dental dentists, which can lead to significant cost savings compared to out-of-network providers.
• There is no balance billing when using in-network dentists, meaning members only pay their portion of the approved amount and are not responsible for any additional charges.
• Some plans cover orthodontic treatment for children up to a certain age.
• Delta Dental provides international dental coverage through its Passport Dental program for members traveling abroad.

Spirit Dental insurance offers several key benefits:

• No waiting periods for any covered services, including preventive, basic, major, and orthodontic treatments. Coverage begins immediately on the effective date.
• Guaranteed acceptance for all individual, family, and senior plans, regardless of medical history or pre-existing conditions.
• Coverage for dental implants, with some plans providing up to 50% coverage for implants from day one and up to 65% coverage in year 3 for senior plans.
• Three free cleanings per year covered at 100%.
• High annual maximum coverage, with the top Pinnacle PPO plan offering up to $5,000 annual maximum in year 3.
• Freedom to choose any dentist, in or out-of-network, with additional savings of 25-50% for in-network providers.
• Low $100 lifetime deductible that only needs to be paid once.
• Option to add vision insurance for an additional $7 per month.
• 30-day customer satisfaction guarantee with a full refund if not satisfied.
• The combination of immediate coverage, high annual maximums, implant coverage, and the ability to choose any dentist makes Spirit Dental a comprehensive and flexible dental insurance option.

The Humana individual vision plan offers the following key benefits:

• Low exam copayments ($10 for annual eye exam)
• Eyeglass lenses covered 100% after materials copayment ($25 copay for single vision lenses)
• $40 wholesale allowance for frames
• $115 allowance for elective contact lenses
• Medically necessary contact lenses covered 100% after materials copayment
• Discounts on LASIK/PRK and second pair of glasses
• One eye exam per year
• The plan provides substantial savings compared to paying out-of-pocket for common vision services like exams, frames, and lenses. For example, without the plan, an eye exam ($90), frames ($90), and single vision lenses ($70) could cost $280, but with the Humana plan, the total cost would only be $35.

The plan can be added to a Humana medical plan or purchased as a standalone individual/family plan with no underwriting or exclusions for pre-existing conditions. It offers access to a nationwide network of vision providers.

Spirit Vision plans offer the following key benefits:

• $10 copay for annual eye exams
• Eyeglass lenses are covered 100% after a materials copayment
• $65 wholesale allowance for frames
• Medically necessary contact lenses covered 100% after copay
• $100 retail allowance for elective contact lenses
• Access to the EyeMed Vision network of providers
• Discounts on laser vision correction like LASIK
• Coverage for low vision supplemental testing and aids
• The plans provide cost savings compared to paying out-of-pocket, with common services like an eye exam, frames, and lenses potentially costing only $65 with the plan versus $280 without coverage.[1] Benefits are available every 12 months for exams and lenses, and every 24 months for frames.
• Spirit Vision plans are offered as an optional rider to Spirit Dental plans, so they cannot be purchased as standalone vision coverage.[1] The plans include both in-network and out-of-network benefits, with greater cost savings when using providers in the VSP Choice (+Affiliates) network.