Does Dental Insurance Cover Dentures?

Dental insurance plans may provide some level of coverage for dentures, but the amount and type of coverage can vary widely. Dentures are often considered a major dental procedure, which means insurance might only cover a portion of the total cost. However, the exact percentage and eligibility can depend on the specific plan.

Types of Dentures That May Be Covered

Coverage may apply to different types of dentures, such as full, partial or even implant-supported options. Some insurance plans might only include traditional dentures, while more comprehensive plans could offer support for more advanced types. In some cases, a dentist may need to confirm that dentures are medically necessary before coverage is approved.

Possible Limitations

Many dental insurance policies include annual or lifetime maximums, which can limit how much the plan will pay toward denture-related expenses. These limits might range from a few hundred to several thousand dollars. Additionally, some plans may have waiting periods before denture benefits become available. Deductibles and co-pays may also apply, affecting the total out-of-pocket cost.

Plan Types and Flexibility

Different types of dental plans, such as Preferred Provider Organizations (PPOs) and Dental Health Maintenance Organizations (DHMOs), may offer varying levels of denture coverage. PPOs can provide more flexibility in choosing a dentist but might come with higher premiums. DHMOs may have lower costs but often require patients to stay within a specific network of providers.

If you’re looking for coverage to help pay for dentures, speak with Leadwest Insurance Solutions. We can review your potential options and explain the benefits of each. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.