Dental Savings Plans for Dentures: What You'll Actually Pay

Updated February 2026 · 5 min read

Quick Answer

Yes, most plans cover dentures. A 20% discount on a $3,000 full set saves $600. Plans with 25–30% discounts save $750–$900. The annual membership fee ($99–$149) pays for itself many times over on denture work alone.

Denture Costs: With and Without a Plan

TypeWithout PlanWith 20% PlanSavings
Complete upper denture$1,500–$3,000$1,200–$2,400$300–$600
Complete lower denture$1,500–$3,000$1,200–$2,400$300–$600
Full set (both arches)$2,500–$5,000$2,000–$4,000$500–$1,000
Partial denture$1,000–$2,500$800–$2,000$200–$500
Implant-supported overdenture$6,000–$30,000$4,800–$24,000$1,200–$6,000
Extractions (before dentures)$200–$600 each$160–$480 each$40–$120 each

The Procedure Codes to Check

Before enrolling, verify these codes are in the plan's fee schedule:

D5110 — Complete upper denture

D5120 — Complete lower denture

D5130 — Immediate full upper denture

D5140 — Immediate full lower denture

D5213 — Mandibular partial, cast metal framework

D5214 — Maxillary partial, cast metal framework

D7140/D7210 — Extractions (simple/surgical)

Plan vs. Insurance for Dentures

Most dental insurance plans pay 50% of dentures — but only up to their annual maximum ($1,000–$2,000). Here's how that plays out:

Dental Insurance on $3,000 Dentures

  • Total cost: $3,000
  • Insurance pays 50% = $1,500
  • But annual max is $1,500 (already used for cleanings)
  • You actually pay: $2,500–$3,000+
  • + 12-month waiting period before major coverage

Dental Savings Plan on $3,000 Dentures

  • Membership: $99/year
  • 20% discount: $600 off
  • Your cost: $2,400
  • Total: $2,499 (plan + dentures)
  • No waiting period, available immediately

Best Plans for Denture Work

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