Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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Dentures are common among seniors who have lost their teeth as they have aged. But many times they are also needed by younger people. Dentures, or false teeth, are not just important for a beautiful smile but they also help with digestion by aiding in proper food chewing.

Of course, dentists and other dental professionals typically look for other alternatives primarily centered around taking care of the teeth and gums to prevent teeth from falling out. Sometimes, for genetic, age, and other reasons, tooth loss is unavoidable.

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Alternative options to dentures are dental implants, but both options can be pricey unless your dental insurance covers dentures. Whether you have dental insurance or a dental plan, if your dental insurance includes oral prosthesis then you will be able to get your dentures at a reduced rate.

Are Dental Implants or Dentures Right for You?

Whether the dental insurance you have covers dentures or not, if you need tooth replacement, you will need to talk to a dentist. While you are discussing your options with your dentist you should ask about both dentures and dental implants. Dental implants are more expensive, but they are a more permanent fixture than dentures.

Dentures are false teeth that are custom made for your mouth. Using dental adhesive, you temporarily affix the dentures to your gum line during the day so that you can have teeth. At nighttime you remove the dentures and soak them in a cleansing solution. This is the classic picture many people think of when they hear the word dentures: teeth soaking in a glass of water on a nightstand.

Since dentures are not permanently attached, some people struggle with them. They can become displaced during the day and need to be adjusted or reaffixed or you may feel inconvenienced by not having them in place during unexpected moments, such as if you remove your dentures and then receive an unexpected guest at the door. You will most likely greet your visitors with a toothless smile. The main draw for some is that dentures do not require extensive chair time with your dentist, and the cost of dentures can be lower.

Dental implants, on the other hand, are false teeth that are permanently attached to your gum line. It is a surgical procedure that some people may be hesitant about, however the implants are never removed and you will always have your teeth in place. The procedure is more expensive, but many people find the cost worthwhile for the lifelong convenience, especially if the dental implants are covered by dental insurance.

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Are Dentures Covered by Dental Insurance?

Dental insurance varies on benefit levels just as health insurance varies. Every month you pay a premium for your dental insurance for a pre-defined set of dental benefits. If you have group dental insurance and you are not sure if your benefits include dentures, then you can check with your human resources director. If you have private dental insurance and you cannot find the benefit in your policy, call your insurance agent to inquire.

Many standard dental insurance plans cover dentures. If your dental insurance covers major dental services, then there is a good chance that your dentures will be covered by the plan. Another term to look for on your dental insurance policy is prosthetics since dentures are considered oral prosthetics.

If you have coverage for dentures, the amount of your benefit will also vary by the type of dentures plan you have. The most common dental insurance that covers dentures will pay 50% of the dentures and have some type of maximum payout that renews every five years or so.

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How Much Do Insurance Companies Cover for Dentures Dental Care?

Unlike dental insurance, dental plans do not provide dental procedure benefits. Instead, they offer pre-negotiated discounted rates on dental procedures. Depending on your dental plan, you may be able to receive a discount on your dentures or dental implants. Check your dental plan to see what procedures are discounted to determine if you have coverage.

You will only receive the discounted rate if the dentist you choose participates in the network setup by your dental plan. Before committing to getting your dentures, make sure your dentist accepts your dental plan and then confirm the cost of the procedure. Asking a few questions up front can save you from price shock for your dental care later on.

If you need dentures but don’t have insurance, you may be able to postpone getting your dentures until after you sign up for dental insurance or a dental discount plan. Communicating with your dental care provider in this case is critical.

With both dental insurance and dental plans, there is usually a waiting period from the time you sign up for the insurance to the time you can actually receive a benefit that includes dentures. The waiting time can range anywhere from half a year to two years so, investigate your options closely to determine what plan works best in your situation.

For example, if you can find dental insurance that will cover dentures in as little as six months from the time you enroll and you can safely and comfortably wait for six months to get your dentures, then it is probably worth your while to sign up for the dental insurance and wait out the waiting period.

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