Figures read September 28, 2026
Dental insurance is not like medical insurance: nearly every plan caps what it pays in a year, and a denture is exactly the kind of bill that reaches the cap. This planner does the arithmetic your summary of benefits implies. Enter the three numbers the summary lists, pick a published denture price (or type a quote), and it shows the split, plus the treatment size above which every extra dollar is yours.
Where the three numbers are
Annual maximum
The most the plan pays for all covered care in a plan year, on the first page of the summary of benefits. Anything above it is yours, whatever the coinsurance says. Some plans let unused amounts roll over; most do not.
Deductible
What you pay before the plan pays anything toward non-preventive care. Usually small, and usually per person per year. Enter 0 if you have already met it this year.
Coinsurance
The share the plan pays after the deductible, by category. Dentures sit under “major services” or “prosthodontics” in most summaries, with their own percentage and often their own waiting period.
Already used
Claims paid earlier in the plan year count against the maximum. If you have had a crown or a root canal this year, enter what the plan paid so the remaining maximum is right.
Why the maximum usually runs out
At the published prices, a single conventional arch runs $395 to $2,391 and an implant-supported arch $5,995 to $13,500. A plan paying half of that after a deductible reaches a four-figure maximum on one arch of most tiers, and on any implant option. That is the number the planner labels the break point: the treatment size at which the plan has paid its whole maximum, above which the split stops mattering.
Three ways people use the break point: splitting a two-arch treatment across two plan years so each year’s maximum applies; timing a first denture and the extractions before it so the extractions fall in one year and the denture in the next; and comparing a plan’s premium against the maximum it would actually pay. None of that is advice, and every plan writes its own rules on what can be split. The save-money reference covers the routes that do not depend on insurance at all.
Where the numbers come from
| Figure | Read from | Retrieved |
|---|---|---|
| Affordable Dentures Economy, replacement: $395 | Affordable Dentures & Implants Services in Wichita, KS | September 28, 2026 |
| Affordable Dentures tiers, Economy to Premium, replacement: $395 to $1,185 | Affordable Dentures & Implants Costs in Wichita, KS | September 28, 2026 |
| Aspen Dental Basic (savings-plan price): $499 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Aspen Dental Classic: $871 to $1,330 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Aspen Dental Signature: $1,295 to $1,971 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Aspen Dental Signature Elite: $1,655 to $2,391 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Aspen Dental Cast Partial (metal frame): $1,167 to $1,721 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Aspen Dental Flexilytes Combo (flexible): $1,327 to $1,993 | Denture Costs: Types, Pricing & Savings Options | Aspen Dental | September 28, 2026 |
| Affordable Dentures SNAPSecure snap-in package (Akron, OH office): $5,995 | Affordable Dentures & Implants Costs in Akron, OH | September 28, 2026 |
| Aspen Dental implant dentures, published average: $7,534 | Compare Types of Full Dentures and Find Your Perfect Fit | Aspen Dental | September 28, 2026 |
| ClearChoice snap-on implant denture: $8,000 to $13,500 | How Much Do Dental Implants Cost in 2026? | ClearChoice | September 28, 2026 |
| ClearChoice fixed full-arch implants: $14,000 to $36,000 | How Much Do Dental Implants Cost in 2026? | ClearChoice | September 28, 2026 |
More tools and the reference behind this one
How much dentures cost
The reference page this tool is built from, with every published figure, dated and sourced.
Denture cost estimator
Tier, arches and extractions from published Affordable Dentures office prices.
Medicaid denture coverage checker
Pick a state: the Medicaid verdict, the rule in its own words, and the source.
Implant-supported vs conventional denture: lifetime cost
Replacement cycles over 10 to 30 years, on published tier and implant prices.
Denture replacement timeline checker
Your denture’s age against the replacement and reline intervals programs publish.
Which denture type fits: a chooser
Three questions to the type usually discussed first, with its published price band.