Securing Your Smile: A Guide to Dental Insurance that Covers Dentures

Written By: Nathan Justice
Reviewed By: William Rivers
Published: July 12, 2023
Last updated: July 17, 2023

Dental insurance is a type of insurance coverage that is specifically designed to cover dental expenses. It provides financial protection for individuals and families to help manage the cost of various dental procedures and treatments. 

Dental insurance plans typically offer coverage for a wide range of dental services, including preventive care such as routine check-ups and cleanings, as well as restorative care such as fillings, root canals, and tooth extractions. Some dental insurance plans also provide coverage for major procedures like dental implants and oral surgery. 

The coverage types and benefits offered by dental insurance plans can vary, so it is important to carefully review the policy details before making a decision. With dental insurance, policyholders can have peace of mind knowing that they are covered for dental expenses and can maintain good oral health.

Types of Dental Insurance

Dental insurance comes in three main forms: DPPO, DHMO, and fee-for-service plans. DPPO plans provide a broad network of dentists, flexibility in choice, and cover both in-network and out-of-network providers, but they often include annual deductibles and waiting periods. DHMO plans are more restrictive, necessitating the selection of a primary dentist from a predefined network, but they typically lack deductibles or waiting periods and offer lower costs. 

Fee-for-service plans allow absolute freedom in choosing a dentist, but higher out-of-pocket costs can be expected, as each procedure carries a fee with only a percentage covered by the plan. Each type presents unique benefits and considerations, thus individuals should consider their specific dental needs and preferences when choosing the most suitable plan.

Advantages of Having Dental Insurance

The Assurance of Preventive Care Coverage

Dental insurance is an asset when it comes to preventive care. Most plans partially or fully cover regular check-ups, cleanings, and X-rays, promoting good oral health and averting expensive future complications.

Benefit from Negotiated Fees and Rates

Insurance companies work with network providers to negotiate discounted fees, reducing your out-of-pocket costs. This feature can result in substantial savings, especially for routine treatments such as cleanings and fillings.

Potential Savings on Major Treatments

Major treatments like root canals, crowns, and dentures can be hefty expenses, but dental insurance helps alleviate these costs. By covering a percentage of these procedures, dental insurance lightens the financial load.

The Convenience of ID Cards

Dental insurance offers the simplicity of ID cards, making it easy to access coverage information and present it to providers. These cards streamline the billing and claims process, ensuring a smooth experience for policyholders.

In summary, dental insurance brings several benefits, from preventive care coverage and a wide array of dental services, to potential savings on treatments and the convenience of ID cards. Investing in dental insurance can lead to improved oral health and financial peace of mind.

What Does Dental Insurance Cover?

Dental insurance offers expansive coverage for a variety of services—preventive care, basic procedures, and major treatments. Regular check-ups, cleanings, and X-rays fall under preventive care, often enjoying full or partial coverage, helping you maintain optimal oral health. 

Basic procedures such as fillings and extractions are also typically covered, with negotiated discounted fees minimizing out-of-pocket expenses. Major treatments like root canals, crowns, and dentures, although potentially requiring some out-of-pocket contribution, are considerably more affordable with insurance. 

Coverage extent varies with each plan, so understanding your policy details is crucial. In essence, dental insurance is a vital tool for preserving oral health and making necessary treatments more financially accessible.

Preventive Care

Preventive care is fundamental in dental insurance coverage, serving as a proactive measure for oral health and deterring major dental issues. Most dental insurance plans cover preventive procedures like regular dental exams, cleanings, and fluoride treatments. Exams allow early identification of potential problems, cleanings prevent gum disease and decay by removing plaque and tartar, while fluoride treatments strengthen enamel to ward off cavities. 

Regular visits for these preventive care services ensure optimal oral health and avert serious dental complications, thereby eliminating the need for invasive, expensive procedures later. In essence, dental insurance's coverage for preventive care promotes oral health maintenance and prevents serious dental issues, fostering healthy, radiant smiles.

Basic Procedures

Basic dental procedures such as fillings, extractions, and root canals are typically covered by dental insurance plans, and they play a pivotal role in preserving good oral health. Insurance plans often offer different coverage types, including Point of Service (POS) plans, which allow freedom in choosing providers but may have higher out-of-pocket expenses. 

In contrast, Table or Schedule of Allowances plans provide a fixed dollar amount for each procedure, clearly outlining coverage. Fillings address decayed teeth, extractions are performed when a tooth cannot be saved, while root canals treat infected tooth pulp, preserving the natural tooth. Grasping the basics of what your dental insurance covers can guide informed decisions, ensuring your chosen plan aligns with your needs for affordable, comprehensive dental care.

Major Procedures

Major dental procedures like root canals and crowns, pivotal for restorative care, are generally covered by dental insurance plans. Root canals treat infected or damaged tooth pulp, aiming to preserve the natural tooth, prevent further issues, and alleviate discomfort. 

Dental insurance recognizes the importance of root canals and usually covers this procedure. Crowns, or dental caps, are custom-made to protect and restore damaged or weakened teeth, enhancing their appearance, function, and strength. 

Dental insurance often covers a portion of the cost for this essential treatment. Such coverage ensures that individuals have access to vital treatments for maintaining oral health, restoring dental function, and enhancing their smile

Dentures Coverage by Dental Insurance Plans

Dentures, also known as false teeth, are removable appliances that are used to replace missing teeth and restore the function and appearance of a natural smile. Many individuals may require dentures due to aging, injury, or dental issues such as tooth decay or gum disease. 

Dental insurance plans understand the importance of dentures in maintaining oral health and overall well-being, and as a result, often provide coverage for this essential dental procedure. Having dental insurance that covers dentures can significantly reduce the financial burden associated with obtaining these necessary oral appliances. 

By leveraging the benefits of dental insurance plans, individuals can access high-quality dentures, improve their ability to eat and speak, enhance their self-confidence, and enjoy a better quality of life. Whether it's partial dentures to replace a few missing teeth or full dentures for a complete arch, dental insurance plans with denture coverage offer peace of mind and ensure that individuals can afford the dental care they need.

Delta Dental Plans and Coverage for Dentures

Delta Dental Plans offer comprehensive coverage for both full and partial dentures, aiding patients in regaining their smile and proper chewing functionality. With no waiting periods for denture coverage, individuals can access necessary treatments promptly. 

An annual maximum, varying by the chosen plan, is set for the highest amount the insurer will pay for covered dental procedures, including dentures. Out-of-pocket costs may be a set copayment or a percentage-based cost share, so it's advised to examine the chosen plan for specific costs related to denture coverage. 

Several other insurers, like XYZ Dental Insurance, ABC Dental Plans, and XYZ Insurance Company, also provide denture coverage with differing terms. Reviewing coverage details from reputable providers can assure individuals of receiving essential dental treatments, like dentures, to sustain their oral health and overall well-being.

Frequently Asked Questions

1. What services do dental insurance plans typically cover?

Dental insurance plans typically cover preventive care, basic procedures like fillings and extractions, and major treatments including root canals, crowns, and dentures.

2. How does the annual maximum for dental insurance work?

The annual maximum is the highest amount your insurer will pay for dental services in a year. If costs exceed this, you'll need to pay the difference.

3. What does a dental insurance waiting period mean?

A waiting period is the time you must wait before your insurance begins to cover certain procedures. The length varies depending on the policy and procedure.

4. How can dental insurance make dentures more affordable?

Dental insurance can offset the high cost of dentures by covering a portion or all of the expense, depending on the specifics of the plan.

5. Do dental insurance plans include a network of providers?

Yes, most dental insurance plans include a network of dental providers, allowing policyholders to choose a dentist who fits their needs and specializes in their required treatment.


Overall, the cost of getting dentures through a network dentist is influenced by factors such as the type of dentures, the provider and location, and the coverage provided by dental insurance. It's always advisable to consult with both the dentist and the insurance company to understand the specific costs involved.

Read more about free dental care for seniors from our blogs at Senior Strong to know more.

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Nathan Justice manages community outreach programs and forums that help many senior citizens. He completed a counseling program at the University of Maryland’s Department of Psychology.
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