How can you get dentures covered under 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.