Dental, vision and hearing$5,000 annual maximumCoverage starts in about a week
Annual maximum
$5,000
Maximum resets every calendar year
Deductible
$75 / person
Annual deductible before plan benefits apply. In network preventive care has no deductible.
Coverage starts
~1 week
Physical card will arrive in mail in ~7 business days
What the plan pays
Network: Humana Extend PPO. You pay least in-network. Verify your dentist is contracted for this exact product.
Last checked June 24, 2026Figures illustrative until matched to your state's plan documentView sources
In short
What is Humana Extend 5000?
Humana Extend 5000 is an individual PPO that bundles dental, vision, and hearing on one plan, with a high $5,000 dental annual maximum: preventive at 100%, basic at 80%, major work and implants pay 50% after short waits, rising to 60% in year two. It also includes a $200 per calendar year whitening allowance. Hearing is included everywhere except New York. It does not cover orthodontics.
Does Humana Extend 5000 include vision?
Yes. The plan bundles a separate vision benefit alongside the dental coverage, with its own terms. It typically covers an eye exam and provides an allowance toward frames or lenses, governed by the vision schedule rather than the dental coinsurance. Confirm exactly what your state's vision rider includes; our dental + vision insurance guide explains how the two benefits sit side by side.
How does the whitening allowance work?
Whitening is a fixed $200 per calendar year allowance, not a coinsurance percentage. After the 3-month wait the plan applies up to $200 toward whitening, and the allowance resets every calendar year on January 1. Anything above that amount is out of pocket, and unused allowance does not carry over.
Does major coverage really reach 60%?
Yes, but only starting in year two. Major work and implants pay 50% in the first year after their 6-month wait, then the coinsurance rises to 60% from the second plan year onward. Timing a larger case for year two stretches the $5,000 maximum further. See the glossary for how coinsurance and waiting periods interact.
Best for you if…
You want dental, vision and hearing together. This plan bundles all three in one premium (hearing everywhere except New York).
You expect major work or an implant. The high $5,000 max and 60% coinsurance in year two make a real difference.
You value a whitening allowance as a small extra perk.
Skip it if…
You don't need vision. You would be paying for a bundle you won't use.
You need orthodontics. Braces are not covered on this plan.
You want a lower premium. At ~$100/mo this is on the higher side for individual dental coverage.
When each benefit turns on
Your coverage begins on a schedule
Your effective date isn't the same as when the plan pays toward a crown. Here's the countdown.
Day one
Preventive at 100%. Cleanings, exams and routine X-rays, in-network, from your effective date.
+3 months
Basic begins at 80%, and the $200 per calendar year whitening allowance becomes available.
+6 months
Major and implants begin at 50%. In year two these rise to 60%. If you can wait, a bigger case costs you less the second year.
A crown in 6 months: what would you actually pay?
Pick the work you might need. We'll show the full cash price, your share after the plan pays, and how much of your $5,000 yearly maximum it uses. Prices shown are national examples; your dentist's fees set the actual number.
cash (without dental insurance) $5,000
cash (without dental insurance) $1,600
cash (without dental insurance) $400
cash (without dental insurance) $400
You save vs paying cash
$0
what this plan pays so you don't
Plan pays
$0
of $5,000 maximum
You'd pay
$0
incl. $75 deductible
Pick the work you might need to see what this plan saves you.
With the crown after its 6-month wait, the plan covers about half, and your $5,000 maximum still has plenty of room for more.
Full specs
The rest of the fine print
Teeth whitening
$200 per calendar year allowance (resets Jan 1, not a %)
Vision bundle
Yes, a vision benefit is included
Hearing bundle
Yes, included except in New York
Deductible
$75 per person
Family pricing
Humana applies a discount when you add a spouse or dependent
Age eligibility
No age cap
Orthodontia
Not covered
Implant sub-maximum
$2,000/yr · $4,000 lifetime
Frequency limits
e.g. 2 cleanings/yr; 1 crown per tooth every 5–7 yrs
Reimbursement basis
In-network contracted fee (MAC)
Whitening is a fixed $200/yr allowance, not a coinsurance percentage. The vision benefit is a separate bundle attached to this dental plan. See dental + vision insurance for how the two fit together.
Good to know
The fine print that changes the bill
Exact wording varies by state. Read your own plan's exclusions section to confirm.
Implant sub-maximum
Implant benefits are capped at $2,000/year and $4,000 lifetime, and also count toward the $5,000 maximum. A single complex case can use it up fast.
No orthodontics
Braces and aligners aren't covered on this plan. If ortho is the goal, you'll need a different product.
Whitening is an allowance
Whitening pays a flat $200 per calendar year, not a coinsurance percentage. The allowance resets every January 1, and anything above it is out of pocket.
State variations
Premium, coinsurance, the vision bundle and availability differ by state. Confirm for your ZIP.
Here is how a typical first year adds up, line by line, so you can see what makes up the bill. These are example figures, not a quote; your real numbers depend on your plan and your dentist's fees.
Enroll today, get two crowns (~$1,600 each, $3,200 total) after the 6-month wait, plus routine cleanings. Vision and hearing are included.
Premiums~$100/mo × 12$1,200
Deductibleonce, before major coinsurance$75
Two crowns — your 50% shareof $3,200 at the year-one 50% rate$1,600
Cleanings & examspreventive, 100%$0
Illustrative first-year outlay~$2,875
Assumes an in-network dentist, crowns classed as major at the year-one 50% rate, ~$100/mo premium (may vary by ZIP), work done after the 6-month wait. Vision and hearing are included in the premium. Run your own numbers
Enroll safely
Four checks before you commit
Pull the official plan document for your state and match the coverage, waits and exclusions on this page.
Confirm your dentist's network status for this exact Humana Extend product. Check the directory and call the office to confirm.
Check the effective date and waiting periods against your treatment timeline.
Confirm the implant sub-max and the vision and hearing benefits. The implant cap is $2K/yr and $4K lifetime. Also confirm exactly what the vision and hearing benefits include for your state (hearing is not offered in New York).
Yes. Implants are covered at 50% after a 6-month wait, rising to 60% in year two. They're subject to sub-limits of $2,000/year and $4,000 lifetime, which also count toward the $5,000 annual maximum. Confirm both on your state's plan document. Compare implant plans
How long until major work is covered?
Major and implants: 6 months at 50% (60% in year two). Basic: 3 months. Preventive: day one. The whitening allowance also opens at 3 months.
Is vision really included?
Yes. The plan bundles a separate vision benefit alongside the dental coverage. See how dental and vision work together at dental + vision insurance.
What does it cost per month?
Premiums vary by state, ZIP and effective date, so we don't publish a single national price. The ~$100/mo used in the example is illustrative. Enter your ZIP above for an area-specific figure.
How much does Humana Extend 5000 cost per month?
The monthly premium depends on your state, ZIP and effective date. There is no single national price. The ~$100/mo used in our examples is illustrative. Enter your ZIP above for an area-specific figure, or verify free to see your exact rate.
Which dentists accept the Humana Extend PPO network?
You pay the least when you see a dentist contracted with the Humana Extend PPO network for this exact product. Network participation varies by area and can change, so check the official Humana directory and call the office to confirm before booking. Find Humana dentists near you
Humana Extend 5000 vs Guardian?
Humana Extend 5000 carries a high $5,000 annual maximum, bundles a vision benefit, and raises major coinsurance to 60% in year two. Guardian is an established PPO carrier with a deep dentist network, though its plans often apply waiting periods before major work is covered. The right pick depends on whether you value the bigger maximum and the vision bundle, or a broad network. See the Guardian breakdown
Is this an endorsement?
No. This is a breakdown and analysis, not endorsement. No carrier pays for placement.
Transparency
Sources & verification status
Coverage figures were checked against Humana's official Extend 5000 plan documents on June 24, 2026. Exact terms still vary by state, ZIP, and effective date, so confirm your own plan document. Full provenance lives here.
Official sources
Humana Extend 5000 — official plan documents (download)
Publisher: Humana Last Checked 2026-06-24Terms vary by state
2026-06-24Checked against Humana's official Extend 5000 plan documents. Corrected Basic coverage to 80%. Clarified that implant sub-limits also count toward the $5,000 maximum.
2026-06-20Published with shelf-snapshot data flagged for verification.
NoteState-specific premium, vision rider, and availability still need confirmation for your ZIP.
CoverCapy is an independent educational marketplace. We are not an insurer, carrier, dentist, tax adviser or medical provider. Nothing here confirms a treatment is covered. Coverage depends on your exact policy, state, ZIP, effective date, network, exclusions, limitations and remaining benefits, all of which must be verified.
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