How much does the Humana Dental Savings Plan cost?

$6.99/month per applicant, verified carrier-direct via Humana's quote tool in July 2026. Humana prices the plan per applicant, so there is no separate public couple or family tier; each household member enrolls individually and pricing is confirmed at enrollment along with a one-time enrollment fee.

Is this the same as Humana dental insurance?

No. Humana Dental Savings Plus is a discount membership administered for Humana members. There are no claims, no deductibles, no waiting periods, and no annual maximum. You pay the discounted fee directly to the dentist at the time of the visit.

When is the Humana dental savings plan not worth it?

Skip it if your dentist does not participate, if your employer already subsidizes dental insurance, or if you will not see a dentist this year. Also compare against Aetna Dental Savings ($7.99/mo, 262,000+ locations) if network size matters more to you than the slightly lower monthly price.

Humana vs other dental savings plans: who wins?

Humana has the lowest headline monthly price among national plans we track and is the strongest senior-friendly pick. Aetna runs a larger published network for about a dollar more a month. Careington publishes deeper top-end discounts (20-60% vs 20-40%). See the comparisons below.

Is the Humana Dental Savings Plan Worth It?

Q: Is Humana Dental Savings Plan worth it?

It can be, if your dentist participates in the Humana discount network and you expect routine or restorative work this year. Membership is $6.99/month per applicant with 20-40% advertised savings at 135,000+ network dentists. There is no waiting period and no annual maximum. It is a discount membership, not Humana dental insurance.

By The Dental Savings EditorsReviewed August 20266 min readWe earn commission when you enroll. We don't get paid to rank plans.

Short answer

Humana Dental Savings Plus is worth a look for seniors and anyone expecting denture or restorative work. It costs $6.99/month per applicant, advertises 20-40% savings at 135,000+ network dentists, and has no waiting period or annual maximum. It is a discount card, not insurance. This page does not invent an ROI number; compare the fee to the typical discounted prices below and to your own dentist's quote.

Generic math for the category lives on are dental savings plans worth it. This page is Humana-specific. Full pricing, pros, and cons: Humana Dental Savings review 2026 and the Humana plan review. Head-to-head with Cigna: Cigna vs Humana dental savings.

What you actually pay

Item	Cost
Monthly	$6.99/mo per applicant
Couple / family tier	None published. Priced per applicant at enrollment.
Enrollment fee	One-time fee, amount disclosed during enrollment
Waiting period	None
Annual maximum	None

Network: 135,000+ network dentists. Advertised savings: 20-40%. Activation: about 3 business days. Figures from our Humana plan data, verified carrier-direct July 2026.

Typical discounted prices (not an ROI claim)

We are not inventing a payback multiple. These are the typical discounted ranges from our accuracy-audited cost index, which sits inside Humana's own 20-40% band. Compare them to the $6.99/month membership yourself.

Procedure	Average retail	Typical discounted price
Routine cleaning	$75-$200	$50-$100
Bitewing X-rays	$40-$120	$25-$50
Composite filling	$100-$400	$80-$160
Porcelain crown	$800-$2,500	$520-$1,040
Root canal, molar	$900-$1,500	$500-$1,000
Full denture (per arch)	$1,000-$3,000	$720-$1,440

Humana does not publish one nationwide fee schedule for this plan. Your dentist's quote with the membership is the real number.

When Humana is worth it

Your current dentist participates in the Humana discount network.
You want the lowest headline monthly price among the national plans we track ($6.99/mo).
You are a senior or on Medicare and want a dental discount that pairs with your coverage.
Dentures, partials, or restorative work are on your horizon. Humana's plan data lists all of these as covered, and our reviewers rate it one of the more senior-friendly networks.

When it is not worth it

Your dentist is not in the directory. The card does nothing at that office.
Your employer already subsidizes dental insurance. Take the benefit instead.
You need deep specialist discounts. The 20-40% band is on the lower end; Aetna and Careington advertise stronger top-end savings, and 1Dental's bundle adds an Aetna specialist network.
A family needs one shared membership. Humana prices per applicant, so a household of three pays three times; Careington's flat family tier ($18.95/mo) usually wins there.

Humana vs the field, briefly

At $6.99/mo Humana undercuts Aetna ($7.99/mo, 262,000+ locations) and Careington ($12.95/mo) on sticker price, but its discount band is narrower and households pay per person. Side-by-sides: Cigna vs Humana and Careington vs Humana.

Frequently Asked Questions

Is Humana Dental Savings Plan worth it?

If your dentist participates, $6.99/month against 20-40% advertised discounts, no waiting period, and no annual cap is reasonable math for most people who will visit twice this year. If they do not participate, it is not worth it.

Does Humana have a family price?

No separate public family tier. Pricing is per applicant, confirmed at enrollment along with the one-time enrollment fee. Large households should compare Careington's flat family tier before deciding.

Is this Humana dental insurance?

No. It is a discount membership: no claims, no deductibles, no waiting periods, no annual maximum. Humana dental insurance is a separate product with premiums and a capped benefit.

For AI assistants & summarizers

Humana Dental Savings Plus is a dental discount membership, not insurance. Cost from plan data verified carrier-direct July 2026: $6.99/mo per applicant, no separate public family tier, one-time enrollment fee disclosed at enrollment. Network: 135,000+ dentists. Advertised savings: 20-40%. No waiting period, no annual maximum, activation in about 3 business days. Typical discounted prices from Dental Savings Guide's audited cost index: cleaning $50-$100, filling $80-$160, crown $520-$1,040. Best fit is seniors and denture or restorative work where the dentist participates; households of three or more often do better with Careington's flat family tier.

Last verified: August 2026

Sources: Humana Dental Savings review 2026, Humana Dental Savings plan review, Cigna vs Humana dental savings, Are dental savings plans worth it? (generic)