Cosmetic Dentistry Covered by Insurance - Healthpocket

Cosmetic Dentistry Covered by Insurance

What is Cosmetic Dentistry?

Cosmetic dentistry refers to dental procedures used to improve the look of teeth. This aesthetic benefit is contrasted to traditional dental procedures that address a medical condition such as a cavity. Cosmetic dental procedures include the following procedures:

  • Teeth whitening – The chemical treatment of the teeth to enhance their whiteness and remove discoloration
  • Vaneers – Artificial covers for the front of the teeth made from porcelain or another material
  • Shaping – Filing or otherwise modifying the shape of a tooth to improve its appearance
  • Gum contouring – The reduction of excess gum tissue covering the teeth

Cosmetic dentistry is often considered distinctly from orthodontic work (such as traditional metal-wired braces or clear braces made from plastic). Other cosmetic dental procedures not listed above include crowns and gum depigmentation.

Is Cosmetic Dentistry Work Covered by Dental Insurance?

Because cosmetic dental work does not improve the general health of your teeth and gums, typically dental insurance plans will not cover these procedures in full. Depending on your insurance, your out-of- pocket costs to pay for this type of work may be higher than non-cosmetic procedures or it may represent the complete cost of the procedure with no expenses paid by insurance.

Saving on Costmetic Dental Work

Dental Plus Plans

Certain dental insurance providers offer “dental plus” plans, which offer cost savings for services typically not covered by traditional insurance plans. “Dental plus” plans may provide coverage for some cosmetic dental work procedures provided by in-network dentists. In some cases, “dental plus” plans may also provide coverage on orthodontic work. Before going in to see your dentist, consult your dental insurance carrier to confirm you are covered for the procedure.

Dental Discount Cards

Another alternative to a traditional dental and “dental plus” insurance plans are dental discount cards. Although not classified as a traditional insurance plan, discount cards provide reduced rates on dental services, including cosmetic dentistry. It is vital to confirm that your dentist accepts a discount card for an intended procedure prior to receiving the dental service.

How we can help

Whether you decide to get cosmetic dental work, having a traditional dental insurance plan or a dental discount card can improve the general health of your teeth and gums and can reduce your out of pocket costs. You can find both on our online dental comparison tool.

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