Is dental insurance worth the price? Dental insurance isn’t always worth the cost. It depends on your plan, your needs and the cost of the services available to you. In deciding if an insurance plan is right for you, weigh:Does insurance cover the cost of dentures? There are insurance companies that will cover part of the costs of dentures if not all of it. Read: medical insurance pays for dentures partially if not fully. Medicare and Medicaid will cover dentures as well as a lot of private insurance companies' policies.Does dental insurance cover cosmetic dentistry? Dental Insurance will cover some cosmetic dental procedures but not others. Fixing a chip in a front tooth could be considered "cosmetic" and would be covered by dental insurance to a certain extent. Almost no procedure, with the exception of preventative care, is covered at 100% by dental insurance.