Need oral surgery plus

I just went to the dentist after 7 years because my upper denture cracked about 2/3 of the way across. I've had dentures for 13 years which the Dr. said was about twice as long than what they're suppose to last. After giving me an exam I now find that the rest of my real teeth are decaying at the bone. They say that they need to pull all of my teeth, repair the bone and put in both full upper and lower dentures. I have been eating soft food for about 2 weeks now and would really like to have my teeth again to eat properly. My insurance only pays 1377.00 and that leave me to come up with 12,340.00. I can also send a copy of the costs from the dentist to have this done If you need to see proof.  I would like to thank anyone in advance that helps me reach this goal.