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Example of Humana’s Extended Annual Maximum Benefit:
Kevin goes to the dentist regularly, but rather unexpectedly his dentist tells him there’s an issue. He’ll need a root canal and a crown. These are likely to cost more than his annual maximum benefit. Kevin has a 100/80/50 Traditional Preferred Plan (including periodontics and endodontics) with a $50 deductible and has met his $1,000 annual maximum. Typical rollover plans give members incentive to wait until a new plan year to take action on those costly but necessary dental procedures. Fortunately, Kevin finds that Humana’s Extended Annual Maximum plans are different.
With Extended Annual Maximum, Kevin has the benefits he needs when he needs them. That immediate attention to dental care may benefit Kevin’s employer in the future by lessening claim costs from recurring or worsening oral issues. Now that he needs a root canal and a crown, his Extended Annual Maximum plan will cover more.
In the example, the plan has already reached its annual max of $1,000 and Kevin has paid his $50 deductible. Kevin submits a claim for $875 for the root canal, and Extended Annual Maximum picks up 30 percent of the cost, or $262.50. When Kevin later needs a crown, Extended Annual Maximum also pays 30 percent of that cost, $240. Kevin saved $502.50 in out of pocket costs with a Humana plan.
Available on PPO and Traditional Preferred Plans
As a part of Humana PPO and Traditional Preferred plans, Extended Annual Maximum takes over after a plan’s annual maximum benefit is reached. It gives employees 30 percent coinsurance on preventive, basic and major services, and it makes those unexpected and costly dental procedures – such as root canals and crowns – easier to afford.
To learn more, download the flyer.
Bundle vision and life insurance with dental and your client can save up to 4% on dental premiums, making Humana a great value.
Contact our small group experts at 800.696.4543 or email@example.com.