Humana offers this marketplace health insurance plan (Plan ID 46958UT0470002) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.
Metal level: LowPlan type: PPOCSR: Standard Low Off Exchange PlanIssuer: Humana
Telehealth
Data pending
HSA eligible
Check with issuer
Dental
Adult/Child
Vision
Not listed
Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Utah). Submit changes before the deadline to avoid a coverage gap.
Enroll by Dec 15 for Jan 1 starts.
Finalize plan switches before the window closes.
Special Enrollment Periods
You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).
Report the event within 60 days.
Keep documentation handy for Healthcare.gov or your state exchange.
CSR & subsidy reminders
Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.
Enter accurate income to maximize Advanced Premium Tax Credits.
Standard Low Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.
Thinking about switching?
Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.
Match provider networks so ongoing care isn’t disrupted.
Confirm prescriptions stay on-formulary or budget for tier changes.
Premium snapshot
Plan identifiers & filings
Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.
Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).
Tier 1 in-network40.00% Coinsurance after deductible
Out-of-network40.00% Coinsurance after deductible
See plan brochure for plan details and limitations and exclusions
Exclusions: nan
Dental Check-Up for Children
No Charge after deductible
Tier 1 in-networkNo Charge after deductible
Out-of-network30.00% Coinsurance after deductible
Limit: 2.0 Procedure(s) per Benefit Period
Routine cleaning, exams, x-rays and fluoride. Sealants once every five years.
Exclusions: nan
Major Dental Care - Adult
Coverage details pending
nan
Exclusions: nan
Orthodontia - Adult
Coverage details pending
nan
Exclusions: nan
Orthodontia - Child
Coverage details pending
nan
Exclusions: nan
Routine Dental Services (Adult)
No Charge
Tier 1 in-networkNo Charge
Out-of-network30.00% Coinsurance after deductible
Limit: 2.0 Visit(s) per Benefit Period
See plan brochure for plan details and limitations and exclusions
Exclusions: nan
Variant attributes
Humana Dental Smart Choice Basic · Variant 46958UT0470002-00
Plan identifiers & tier
Issuer-provided metadata for this variant.
Business Year
2025
CSR Variation Type
Standard Low Off Exchange Plan
HIOS Product ID
46958UT047
Metal Level
Low
Plan ID (Standard Component ID with Variant)
46958UT0470002-00
Plan Marketing Name
Humana Dental Smart Choice Basic
Plan Variant Marketing Name
Humana Dental Smart Choice Basic
Issuer & service area
Issuer-provided metadata for this variant.
Issuer ID
46958
Issuer Marketplace Marketing Name
Humana
Market Coverage
Individual
Multiple In Network Tiers
No
National Network
Yes
Network ID
UTN001
Out of Country Coverage
No
Out of Service Area Coverage
Yes
Out of Service Area Coverage Description
Any covered expense incurred for services received from an out of network provider will be covered at a lower coinsurance, based on the maximum allowable fee and providers can balance bill which will result in higher out of pocket costs, except for covered expense incurred for services received outside of the service area as required by law for emergency care services.
Service Area ID
UTS001
State Code
UT
Cost sharing & actuarial values
Issuer-provided metadata for this variant.
Begin Primary Care Deductible Coinsurance After Number Of Copays
0
Inpatient Copayment Maximum Days
0
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out Network, Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, Combined In/Out
Not Applicable
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Group
$850 per group
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Family Per Person
$425 per person
Maximum Out of Pocket for Medical EHB Benefits, In Network (Tier 1), Individual
$425
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Group
per group not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Family Per Person
per person not applicable
Maximum Out of Pocket for Medical EHB Benefits, Out of Network, Individual
Begin Primary Care Cost-Sharing After Number Of Visits
0
Child-Only Offering
Allows Adult and Child-Only
Composite Rating Offered
No
Dental Only Plan
Yes
EHB Apportionment for Pediatric Dental
1.0
First Tier Utilization
100%
Import Date
2024-08-13 20:01:38
Guaranteed Rate
Guaranteed Rate
New/Existing Plan
Existing
Medical EHB Deductible, Combined In/Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Combined In/Out of Network, Family Per Person
per person not applicable
Medical EHB Deductible, Combined In/Out of Network, Individual
Not Applicable
Medical EHB Deductible, In Network (Tier 1), Family Per Group
per group not applicable
Medical EHB Deductible, In Network (Tier 1), Family Per Person
per person not applicable
Medical EHB Deductible, In Network (Tier 1), Individual
$45
Medical EHB Deductible, Out of Network, Family Per Group
per group not applicable
Medical EHB Deductible, Out of Network, Family Per Person
per person not applicable
Medical EHB Deductible, Out of Network, Individual
$45
Plan Effective Date
2025-01-01
Plan Type
PPO
QHP/Non QHP
Both
Source Name
SERFF
Plan ID
46958UT0470002
Copay & coinsurance
Pharmacy cost sharing by tier
Drug tier
Pharmacy type
Copay amount
Copay option
Coinsurance rate
Coinsurance option
Mail order
Questions & answers
Frequently asked questions
How do I choose the right ACA plan in Utah?
Humana Dental Smart Choice Basic (46958UT0470002) is a Low PPO from Humana in Utah for the 2025 coverage year.
Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.
Does Humana Dental Smart Choice Basic support telehealth or virtual urgent care?
The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.
Is Humana Dental Smart Choice Basic HSA-eligible and does it include dental or vision coverage?
HSA eligibility is not published; check the Summary of Benefits or ask the issuer.
Dental add-ons: Adult, Child.
Vision coverage is not listed for this plan.
Does Humana Dental Smart Choice Basic support mail-order prescriptions?
Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.
Is there out-of-country coverage for Humana Dental Smart Choice Basic?
No, out-of-country services are not covered for this plan.
Does Humana Dental Smart Choice Basic cover care outside the service area?
Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Any covered expense incurred for services received from an out of network provider will be covered at a lower coinsurance, based on the maximum allowable fee and providers can balance bill which will result in higher out of pocket costs, except for covered expense incurred for services received outside of the service area as required by law for emergency care services.
How do I enroll in or manage payments for Humana Dental Smart Choice Basic?
Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
