AZ HealthAgents.com
📞 855.847.7020 Humana Dental Plans: 2026 Arizona Rates & Benefits
● DHMO from ~$18/mo
● PPO up to $2,000 max benefit
● $0 copay preventive (DHMO)
● Nationwide PPO network
● PPO up to $2,000 max benefit
● $0 copay preventive (DHMO)
● Nationwide PPO network
AZ Health Agents Editorial Score
Humana Dental in Arizona: Overview
Humana is one of the largest dental insurers in the United States, and its Arizona dental portfolio gives residents a meaningful choice between two plan types: DHMO (Dental Health Maintenance Organization) and PPO (Preferred Provider Organization). Whether you prioritize low monthly premiums or maximum flexibility in choosing your dentist, Humana has a plan designed for you. Humana's dental network is strongest in Arizona's major metropolitan areas — Phoenix, Tucson, Mesa, Scottsdale, and Chandler — where enrollees have access to hundreds of in-network dentists. Residents in rural parts of the state may find fewer in-network options and should verify provider availability before enrolling. All plans described on this page are insured by Humana Insurance Company. Monthly premiums start at approximately $18/mo for the DHMO and range up to $45/mo for the top-tier PPO, making Humana one of the more competitively priced carriers in Arizona's individual dental market.2026 Humana Dental Plan Comparison
| Plan Name | Est. Monthly Premium | Annual Maximum | Prev / Basic / Major | Network |
|---|---|---|---|---|
| Humana Dental Value DHMO DHMO | ~$18/mo | No annual max | $0 copay / Fixed copays | In-network only |
| Humana Dental PPO 1000 PPO | ~$28/mo | $1,000 / year | 100% / 80% / 50% | Any dentist |
| Humana Dental PPO 1500 PPO | ~$38/mo | $1,500 / year | 100% / 80% / 50% | Any dentist |
| Humana Dental PPO 2000 PPO | ~$45/mo | $2,000 / year | 100% / 80% / 50% | Any dentist |
* Rates are estimates for a single adult in Arizona. Actual premiums vary by age, county, and plan year. PPO reimbursement percentages shown are for in-network services. Out-of-network reimbursement may differ.
DHMO vs PPO: Which Humana Plan Is Right for You?
● Humana DHMO — Best for Low Cost
- Lowest monthly premium (~$18/mo)
- $0 copay on preventive exams & cleanings
- Fixed, predictable copays for all services
- No annual benefit maximum
- Must select a primary dentist
- In-network care only
- Best for budget-conscious enrollees in metro AZ
● Humana PPO — Best for Flexibility
- Visit any licensed dentist
- Access to Humana's nationwide PPO network
- 100% coverage on preventive care (in-network)
- Annual maximums from $1,000 to $2,000
- 80% coverage on basic restorative care
- 50% coverage on major services
- Better for frequent travelers or those with existing dentists
Coverage Details
| Service Category | DHMO (Value Plan) | PPO Plans (In-Network) |
|---|---|---|
| Preventive Care (exams, cleanings, X-rays) | $0 copay | 100% covered |
| Basic Restorative (fillings, simple extractions) | Fixed low copays | 80% after deductible |
| Major Services (crowns, bridges, dentures) | Fixed copays | 50% after deductible |
| Annual Maximum Benefit | No maximum | $1,000 – $2,000 |
| Orthodontia | Available on select plans | Available on select plans |
| Waiting Period | Varies by service type | Varies by service type |
| Provider Choice | In-network only | Any licensed dentist |
5 Reasons to Choose Humana Dental in Arizona
- Affordable Entry-Level Coverage
The Humana Dental Value DHMO starts at approximately $18/mo — one of the lowest entry points in Arizona's individual dental market. Ideal for healthy adults who primarily need preventive care. - Strong Metro Arizona Network
Humana has a deep provider network across Phoenix, Tucson, Mesa, Scottsdale, and Chandler, giving enrollees plenty of dentist options within convenient distance. - Nationwide PPO Access
PPO enrollees benefit from Humana's extensive national network — useful for Arizona residents who travel frequently or split time between states. - Scalable Annual Maximums
PPO plans offer maximum annual benefits from $1,000 up to $2,000, letting you choose the level of coverage that matches your anticipated dental needs and budget. - $0 Copay Preventive on DHMO
Routine exams, cleanings, and X-rays are covered at $0 copay on the DHMO plan, encouraging enrollees to stay current with preventive care and avoid costly procedures.
Arizona Availability
Humana dental plans are available statewide in Arizona, though network depth varies significantly by region.
● Strong Network Coverage
Phoenix
Tucson
Mesa
Scottsdale
Chandler
Tempe
Gilbert
Glendale
Tucson
Mesa
Scottsdale
Chandler
Tempe
Gilbert
Glendale
● Limited Network — Verify Before Enrolling
Rural Arizona
Northern AZ
Eastern AZ
Navajo Nation Area
Northern AZ
Eastern AZ
Navajo Nation Area
Always verify provider availability at humana.com or by calling our agents at 855.847.7020 before enrolling.
Frequently Asked Questions
Does Humana offer dental insurance in Arizona?
Yes. Humana offers both DHMO and PPO dental plans throughout Arizona, with strong coverage in Phoenix, Tucson, Mesa, Scottsdale, and Chandler. Plans are insured by Humana Insurance Company and available to individuals and families.
What is the cheapest Humana dental plan in Arizona?
The Humana Dental Value DHMO starts at approximately $18 per month and is among the most affordable individual dental plans available in Arizona. It covers preventive care at $0 copay and applies fixed copays to basic and major services with no annual benefit cap.
What is the difference between Humana DHMO and PPO dental plans?
DHMO plans require you to select a primary care dentist within Humana's network and offer lower fixed copays with no annual maximum benefit. PPO plans allow you to visit any licensed dentist, provide access to a nationwide network, and reimburse a percentage of costs (100/80/50) up to a set annual maximum benefit of $1,000 to $2,000.
Is Humana dental good for rural Arizona?
Humana's dental network is strongest in the major metro areas of Phoenix, Tucson, Mesa, Scottsdale, and Chandler. Coverage options can be more limited in rural parts of Arizona, so residents outside these metros should verify network availability at humana.com or with an agent before enrolling.
How do I enroll in a Humana dental plan in Arizona?
You can enroll directly through Humana at humana.com/aoadv/1430354 or work with a licensed independent Arizona agent who can compare Humana against other carriers at no cost to you. Call 855.847.7020 to speak with an Arizona Health Agents specialist.
Recent Comments