Plan Three — UCR

Frequently Asked Questions

The UCR dental plan provides a wide variety of benefits. With this plan, you are only responsible for the difference between the dentist charges and the plan reimbursements. These reimbursements are determined by both the percentage of coverage and usual and customary charges. The plan features the freedom to use any dentist.

What is Plan Three?

Plan Three is a UCR plan that allows you to use any dentist or specialist, and be reimburse for covered services according to the Plan's Schedule of Benefits.

What are usual and customary charges?

Usual and Customary Charges (UCR) are those fees normally charged by the dentist for a given service or treatment.

How much of the dental charges will the plan cover?

Please refer to the Schedule of Benefits for specific details.

How does my dental bill get paid?

The dentist may agree to file your dental insurance claim for you. However, if they do not, you may be required to pay the entire bill at the time services are rendered by the dentist. You will then be responsible for submitting a claim to Humana/CompBenefits for reimbursement. All financial arrangements concerning payment for services rendered are strictly between you and your dentist and should be determined prior to the start of treatment.

How do I select a dentist?

With the UCR plan, you would contact any dentist and schedule an appointment.

How many times a year can I visit the dentist?

You are encouraged to visit your dentist regularly. With your Humana/CompBenefits dental plan, you are not limited to a specific number of visits per year. However, some benefits do have frequency limitations. Please review the schedule of benefits for additional information.

How can I get more information?

You can contact our Customer Services Department at 800-594-0977, M-F, 8am-6pm EST. Customer Services can assist you with information about your plan, provide a listing of Humana/CompBenefits PPO Providers, and assist you with any claim questions.

How do I make appointments?

Making an appointment is easy. Simply call any dentist to schedule an appointment. The dental office can confirm your coverage by contacting our Customer Services Department at 800-594-0977.

What is a predetermination/pretreatment estimate?

By submitting a predetermination/pretreatment estimate claim form, Humana/CompBenefits will notify you and your dentist of the benefits payable based upon the planned dental treatment.

When is a predetermination needed?

If a planned treatment is going to cost over $300, you should ask the dentist to file for a predetermination of benefits before services begin. Predetermination is not necessary for emergency treatment.

Where should I send my claim form for actual services or predetermination/pretreatment estimate?

Dental claims forms can be printed from this website or you can contact our Customer Services Department at 800-594-0977. Please send all dental claim forms to:

Humana/CompBenefits Claims
P.O. Box 14283
Lexington, KY 40512-4283

Are there any exclusions or limitations under this plan?

Please refer to the Schedule of Benefits for plan exclusions and limitations.