I need dental insurance to help me get replacement teeth.

Question: I require dental insurance to get new dentures for my top and bottom. My old dentures are just too old and are breaking apart. I have had them now for over ten years. I do not have dental insurance since I have no teeth, but now that I need replacement dentures, what can you advise me to get?

Reply: You would want to look into dental HMO insurance plans since they usually do not have waiting periods. One thing to check is that many dental HMO insurance plans may require proof that you have had the current dentures for five or more years before covering the cost of new dentures. Therefore, read each plan’s terms and conditions carefully to verify the available benefits you need. Another option to save money on new dentures would be a dental discount plan. Discount plans are not insurance but would help to reduce your dental care cost at plan providers.