Yes, dental insurance covers dentures. It's considered an important procedure and is usually covered at 50% of the cost, and you pay the rest. If you have a full dental insurance policy, it usually includes restorative coverage. This means that insurance will cover part or all of your dentures.
In most cases, the plan will cover approximately 50% of the cost of a dental prosthesis. However, you would still have to pay regular deductibles and copayments, so the cost is likely to remain quite high for you. When you know you need dentures, ask your insurer's member services department if your dental insurance covers the cost of dentures. Dentures generally fall within the scope of “major care”.
If you're lucky, your plan could pay up to 50% of the cost. Depending on the plan, you can receive a variety of discounts on the cost of dentures and denture repairs. Before you apply for group coverage, see the pre-enrollment disclosures for a description of plan provisions that may exclude, limit, reduce, modify, or cancel your coverage. Partial dentures, also called dental fins or bridges, are usually permanent, although they can be adjusted to compensate if you lose more teeth in the future.
The cost of dentures varies depending on the materials used, where you live, whether your teeth are full or partial, and whether the placement of a dental prosthesis required any tooth extraction. When you have a dental insurance plan, you can expect some cost savings on services such as buying dentures, since insurance covers part of the cost. Each insurance company offers a different payment method, such as covering a certain percentage or a fixed amount for the year. Some employer dental packages offer lower monthly costs, but don't include restorative coverage.
Many dentists may recommend placing implants, metal pins that are screwed into the jaw and protruding through the gums to support dentures. During this time, insurance wouldn't cover the cost of the dental prosthesis, but after that period, it would. Large groups of dentists have agreed to provide patients with high-quality, lower-priced services, including dentures. Most individual and group dental insurance doesn't cover this restorative procedure, even if missing or decayed teeth need to be replaced, but it's not your only option when it comes to finding affordable dentures.
On the other hand, you can choose a PPO (preferred provider organization), which allows you to have more freedom of choice when it comes to who will provide you with your dental prosthesis. Learning as much as you can about your dental coverage and saving as much money as possible will go a long way in making the denture process easier. Aflac may be a great option for you if you're looking for a company that offers dental insurance with periodontal coverage, preventive care, and other treatments. Having dental insurance that covers your implants can be very helpful if you're having difficulty chewing your food or if you have any pain associated with dentures.
Here are some of the different types of dentures you may encounter when talking to your dentist about how to replace missing teeth.