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Humana review

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

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Our verdict

Humana suits US households that want dental, health and life cover from one insurer and can pay monthly. Premiums start at $18 a month, above the €8.31 site median, so the plan you pick and the cover limit it carries decide the value.

Key facts

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

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Premiums start at $18 a month, with Humana 169 of 251 on starting price across the site
  • Cover spans dental, health and life under Humana Inc., so a household can hold more than one policy with the same company
  • Monthly payments are available, so cover does not have to be paid as one annual sum
  • The Preventive Value PPO carries no annual maximum, while Loyalty Plus and Complete Dental PPO set a per person annual limit

Cons

  • Premiums start at $18 against a €8.31 site median, and the cost score reads 4.2
  • Support runs on phone only, so help comes by phone rather than in writing
  • Loyalty Plus and Complete Dental PPO cap annual cover per person, and only the Preventive Value PPO removes the cap
Humana

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • US households that want dental, health and life cover from a single insurer
  • People who prefer monthly payments to one annual premium
  • Anyone ready to compare plans on cover limits rather than on the lowest starting premium

Who should look elsewhere

  • Linxea, whose premiums start at €25, suits life cover seekers rather than anyone after dental and health plans
  • bunq, listed with premiums starting at €0, is a banking option rather than a cover provider
  • Anyone wanting written support, since help runs on phone only

Who runs it

Humana trades as Humana Inc. and is based in the United States, having been founded in 1961. That makes it a long standing US insurer rather than a European one, and its plans are priced for the US market. Support runs on phone, so questions are handled by phone rather than in writing.

How Humana compares

Where Humana is available

Available
United States

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

Frequently asked questions

What does a Humana plan cost?+

Premiums start at $18 a month, above the €8.31 median across the site. Humana sits 169 of 251 brands on starting price, so the entry plan costs more than the cheapest quote here.

Can I pay monthly instead of yearly?+

Yes, monthly payments are available and the plans run monthly across the range. That suits households that would rather spread dental, health and life cover across the year than commit to one annual sum.

What kinds of cover does Humana sell?+

Humana covers dental, health and life, so a household can hold more than one kind of policy with the same provider. The dental PPO line is where the named plans sit, including the Preventive Value PPO, Loyalty Plus and Complete Dental PPO.

How much dental cover do I get?+

It depends on the plan. The Preventive Value PPO has no annual maximum, while Loyalty Plus and Complete Dental PPO set a per person annual limit. Where a plan has a higher cap, it can absorb more major dental work in a single year.

Is there an excess to pay on dental cover?+

Yes. The Preventive Value PPO carries an excess starting at $50, so part of each claim comes out of your own pocket. Keeping a plan you already have and paying routine check ups yourself can cut what you claim back each year.

Which country is Humana for?+

Humana is based in the United States and prices in US dollars, so it is built for US residents. UK and European readers comparing everyday money products will find the premiums quoted in another currency and priced for a different market.

How do I reach Humana for help?+

Support runs on phone only. That suits readers happy to sort a claim or a quote by phone, and less so for anyone who wants written answers by email or chat before deciding on a plan.

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 bundling dental, health and life cover and paying monthly rather than in one annual sum

9.0/10See alternatives