Insurance UpdateAre you a retired military service member or a survivor of one? Do you want to have access to quality dental care at an affordable price? If so, you may be interested in Humana retired military dental insurance. In this article, we will explain what Humana is, how it offers dental benefits for retirees and survivors, how much it costs, who is eligible, how to apply, and answer some frequently asked questions. By the end of this article, you will have a better understanding of Humana retired military dental insurance and how it can benefit you and your family.
What is Humana?
Humana is one of the largest health insurance companies in the United States, serving over 20 million customers. Humana offers a variety of health plans, including Medicare, Medicaid, individual, group, and dental insurance. Humana also provides additional benefits and discounts for veterans and their families, such as prescription savings, vision care, hearing care, clinic care, and alternative medicine. Humana’s mission is to help people achieve lifelong well-being and to support the health and wellness of the military community.
How does Humana offer dental benefits for retirees and survivors?
Humana offers dental benefits for retirees and survivors through the Federal Employees Dental and Vision Insurance Program (FEDVIP), which is administered by the Office of Personnel Management (OPM). FEDVIP is a voluntary program that allows eligible federal employees, retirees, and their family members to enroll in dental and vision plans offered by private insurance companies. Humana is one of the FEDVIP dental plan carriers, and it offers two dental plan options: Humana Dental Standard Advantage EPO and Humana Dental High PPO.
Humana Dental Standard Advantage EPO is a copay-based plan that provides coverage for preventive, basic, and major services, as well as orthodontia for children and adults. The plan has no annual deductible, no annual maximum, and no waiting periods. The plan requires you to use network providers, except for emergencies. The plan has fixed copays for each service, which vary depending on your location.
Humana Dental High PPO is a co-insurance plan that provides coverage for preventive, basic, and major services, as well as orthodontia for children and adults. The plan has an annual deductible of $50 per person or $150 per family and an annual maximum of $3,000 per person. The plan has no waiting periods. The plan allows you to use any provider, but you will pay less if you use network providers. The plan has co-insurance percentages for each service, which vary depending on your location and whether you use network or non-network providers.
Both Humana dental plans also include additional benefits and discounts for veterans and their families, such as prescription savings, vision care, hearing care, clinic care, and alternative medicine. These benefits are available at no extra cost and can be used as often as needed.
How much does Humana’s retired military dental insurance cost?
The cost of Humana retired military dental insurance depends on several factors, such as the plan you choose, your location, and the number of family members you enroll. You can use the FEDVIP Plan Comparison Tool to compare the plans and prices available in your area. You can also use the FEDVIP Premium Calculator to estimate your monthly premium based on your plan, location, and enrollment type. You will pay your premium through payroll deduction if you are a retiree receiving an annuity, or through electronic funds transfer (EFT) if you are a survivor or a retiree not receiving an annuity.
Who is eligible for Humana’s retired military dental insurance?
You are eligible for Humana retired military dental insurance if you are:
- A retired uniformed service member who is entitled to retired or retainer pay, or an equivalent pay status under the Uniformed Services Former Spouses’ Protection Act.
- A Medal of Honor recipient, or a family member of one.
- A survivor of a deceased uniformed service member who is eligible for an annuity under the Survivor Benefit Plan (SBP), the Reserve Component Survivor Benefit Plan (RCSBP), or the Retired Serviceman’s Family Protection Plan (RSFPP).
You are not eligible for Humana retired military dental insurance if you are:
- An active duty service member or a family member of one.
- A National Guard or Reserve member or a family member of one, unless you are also a federal employee or retiree eligible for FEDVIP.
- A former spouse of a uniformed service member, unless you are eligible for an annuity under the Uniformed Services Former Spouses’ Protection Act.
How to apply for Humana retired military dental insurance?
You can apply for Humana retired military dental insurance online, by phone, or by mail. You can enroll in, change, or cancel a Humana dental plan during the Federal Benefits Open Season, which usually runs from mid-November to mid-December each year. You can also enroll in, change, or cancel a Humana dental plan after a FEDVIP qualifying life event (QLE), such as marriage, divorce, birth, adoption, or loss of other dental coverage. FEDVIP QLEs may be different from the TRICARE QLEs, so you should check the FEDVIP QLEs list before making any changes to your enrollment.
To apply online, you will need to create an account or log in to the BENEFEDS website, which is the enrollment portal for FEDVIP. You will need to provide some personal information, such as your name, date of birth, Social Security number, and military status. You will also need to select your Humana dental plan, your location, and your enrollment type. You will then need to review your enrollment summary and confirm your choices. You will receive a confirmation email and a welcome kit from Humana once your enrollment is processed.
To apply by phone, you can call the BENEFEDS Customer Service Center at 1-877-888-3337 (TTY 1-877-889-5680), Monday through Friday, 9 a.m. to 7 p.m. ET. You will need to provide the same information as online, and you will receive a confirmation number and a welcome kit from Humana once your enrollment is processed.
To apply by mail, you can download and print the [FEDVIP Enrollment/Change Form] and mail it to:
BENEFEDS, P.O. Box 797, Greenland, NH 03840-0797
You will need to provide the same information as online, and you will receive a confirmation letter and a welcome kit from Humana once your enrollment is processed.
Frequently Asked Questions
Here are some frequently asked questions and answers about Humana’s retired military dental insurance:
When does my Humana dental coverage start and end?
Your Humana dental coverage starts on the first day of the month following the month in which you enroll, unless you enroll during Open Season, in which case your coverage starts on January 1 of the following year. Your Humana dental coverage ends on the last day of the month in which you cancel your enrollment or the last day of the month in which you lose your eligibility.
How do I find a network provider for my Humana dental plan?
You can find a network provider for your Humana dental plan by using the Humana Provider Finder tool. You can search by name, location, specialty, or plan type. You can also call Humana Customer Care at 1-877-692-2468 (TTY 711), Monday through Friday, 8 a.m. to 6 p.m. ET, to get a list of network providers in your area.
How do I access my additional benefits and discounts for veterans and their families?
You can access your additional benefits and discounts for veterans and their families by using your Humana ID card, which you will receive in your welcome kit. You can also print a temporary ID card from the Humana website or the MyHumana app. You will need to show your Humana ID card and your military ID card to the participating providers to receive the discounts. You can find more information about the additional benefits and discounts on the Humana website or by calling Humana Customer Care at 1-877-692-2468 (TTY 711), Monday through Friday, 8 a.m. to 6 p.m. ET.
Conclusion
Humana retired military dental insurance is a great option for retired military service members and survivors who want to have access to quality dental care at an affordable price. Humana offers two dental plan options through FEDVIP, as well as additional benefits and discounts for veterans and their families. You can enroll in, change, or cancel a Humana dental plan during Open Season or after a FEDVIP QLE. You can apply online, by phone, or by mail. You can find more information about Humana retired military dental insurance on the Humana website or the BENEFEDS website.
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