Shopping Humana? Here’s an honest, side-by-side look at how RMO MyDental compares — on price, coverage, and where each one wins.
Humana figures referenced from public 2026 pages and vary by plan, state, and applicant. MyDental pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyDental | Humana |
|---|---|---|
| Starting premium | $12/mo | $20–$50/mo |
| Deductible | $0 | $50–$150 |
| Waiting period | None | Preventive day one; basic/major vary |
| Preventive | 100% | 100% |
| Major procedures | 40–60% | 50% after wait |
| Annual maximum | $1,500–$6,000 | $1,000–$2,000 (Loyalty higher) |
| Orthodontia | Up to $2,000 (III/IV) | Limited |
It depends on your needs, but MyDental removes the basic/major waiting periods Humana's standard plans impose, runs a $0 deductible, and offers higher annual maximums.
Humana waives the wait for preventive care, and its Loyalty Plus plan removes waits for those who keep coverage. MyDental has no wait on any service from day one.
MyDental starts at $12/month. Humana individual dental ranges roughly $20–$50/month depending on plan and state.
Yes — dentures as a major procedure on all tiers, and implants on MyDental IV.
