How can you get dentures covered under insurance?

Getting dentures paid by your insurance

Dentures are covered under most 'standard' dental insurance plans, but will have a replacement limit. If you have current dental insurance, call your insurance company (the number is usually printed on the back of your card). Ask the customer service representative if you have "major" coverage or "prostetics" coverage. If they confirm that you do, you also want to ask the percentage of coverage and the replacement limits. Most standard plan will pay for 50% of the allowance up to your program dollar maximum once per 5 or more years.

The "allowance" is the amount allowed by your dental plan. Example, your dentist charges $1000 for a full set of dentures, but your insurance company may only allow $600. If you have 50% coverage and see a participating dentist your plan would pay $300 and you would pay $300. The participating dentist would adjust off the remaining amount up to their charge.

If you do not have major coverage or do not have dental insurance, your best option is to call a local, reputable insurance agent. Similar to buying auto or home owners insurance. Most agents sell insurance products for major insurance companies. You can pick up a dental insurance plan for a nominal fee (United Concordia Companies, Inc. based out of Harrisburg, Pennsylvania is currently one of the best).

Medical insurance will not cover dentures under almost all circumstances. Auto insurance will not cover dentures under most circumstances. If you are in an accident and severly injure your face or mouth area, it is possible to get the auto insurance to pick up the cost. But don't count on it.

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