Does Dental Insurance Ever Cover Cosmetic Dentistry?

November 14, 2023

Filed under: Uncategorized — charmsmiledent @ 6:17 pm
Close-up of woman’s beautiful smile after cosmetic dentistry services

Would you like to make some minor — or major — changes to the way your smile looks? Your dentist can develop a treatment plan to help you get rid of stubborn stains, address dental misalignment, achieve a more even gumline, and more. However, you might have some concerns about cost. Does dental insurance ever cover cosmetic dentistry, or will you have to pay for everything out of pocket? This blog post provides valuable information.

Elective Treatments Are Not Covered

The vast majority of dental insurance plans do not cover what they deem to be “elective” treatments. Very frequently, this includes teeth whitening, veneers, and other services that have the sole purpose of enhancing aesthetics.

If you choose to undergo a procedure that is not covered, you may be able to manage its cost by taking advantage of low-interest financing. Ask your dental team what options are available to you so you can plan your budget accordingly.

Some Covered Treatments Provide Aesthetic Benefits

Some services are important for oral health and come with significant aesthetic benefits. For example:

  • A metal-free restoration can fortify a damaged tooth while also allowing you to enjoy a beautiful smile.
  • Gum recontouring removes excess gum tissue and can produce a more proportionate smile. In some cases, it is also an important aspect of restorative care.
  • Clear aligners, such as Invisalign, have the potential to boost your confidence in the way your teeth look. They can also have significant oral health benefits.
  • Dental bonding can enhance the appearance of your teeth and protect vulnerable dentition.

If a treatment is considered medically necessary, your insurance will probably cover at least part of it — and the aesthetic benefits you will enjoy are just a bonus! Depending on the details of your insurance plan, around 50 – 80% of your care might be covered.

If you are ever unsure about whether a treatment will be covered, it would be a wise idea to work with your dental team to seek preapproval from your insurer. You do not want to run into any unpleasant surprises when it is time to pay for your procedure!

Insurance does not always cover cosmetic care — but there are some exceptions! Talk to your dental team to find out how you may be able to afford your dream look.

Meet the Practice Dr. Mahmoud Homsi is an experienced general and cosmetic dentist in the Concord, NH, area. He loves to help patients achieve their aesthetic goals for their smile, and he pays great attention to detail in every case. Our team accepts all PPO dental insurance plans, and we will be happy to help you navigate your benefits. To learn more about how we may be able to serve you, contact us at 603-228-0123.

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