Does Insurance Cover Cosmetic Dental Procedures? – Understanding the Issue

Cosmetic dentistry is more popular than ever, thanks to the numerous advances in technology that have made it so easy to get great results. There are many different types of procedures that can improve not only your smile but your overall dental health. While it isn’t hard to decide that a cosmetic dental procedure is something you want, it’s often difficult to determine how to pay for it. Most people wonder if insurance will cover cosmetic dental procedures so they won’t have to pay out of pocket. In most cases the answer is no, but there are a few things that you’ll want to keep in mind concerning that answer. The reasons that insurance won’t cover cosmetic dental procedures are the same reasons that most health insurance won’t cover plastic surgery – the procedures aren’t medically needed and are voluntary. As a result, your procedure won’t be covered. However, in some rare cases an insurance company may offer you the chance to purchase extra coverage that will cover some forms of cosmetic procedures, such as crowns or braces. In fact, braces are often covered under good dental plans since they’re usually required for good oral health. Read all the stipulations under your insurance policy to make sure. It’s important for you to realize that just because cosmetic dental procedures aren’t usually covered under insurance, doesn’t mean that you should entirely ignore the option of having these procedures. Most cosmetic dentists understand that paying out of pocket can be hard and, as a result, they’ll offer you the option to make monthly payments on your procedure. You’ll pay a down payment before the procedure, and then make regular payments until your remaining balance has been paid for. It’s a quality option that is well worth considering when you’re thinking about cosmetic dentistry. Some types of procedures that are actually considered ‘cosmetic’ may be covered, such as fixing a chipped or cracked tooth. But voluntary procedures like bonding, whitening, veneers, and implants won’t usually be covered under insurance. Don’t let that destroy your hopes of having a procedure since you can often find cosmetic dental practices that are willing to work with you, making it easier to fit your smile into your budget. Cosmetic dentistry is a great way to feel better about yourself, whether it’s covered under insurance or not. A quick conversation with your cosmetic dentist will help you understand your specific options.

Dr. Hazim is a member of the American Dental Association and the Texas Dental Association. A graduate of Loyola University, Dr. Hazim has undergone continuing education at the Pankey Institute and has received accreditation from the Western Regional Examining Board.

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