Sometimes it can be challenging to get insurance to cover procedures you might want or need. When it comes to cosmetic dentistry, things can get even more complicated. Though some cosmetic procedures are covered by certain insurance plans, not all will be.
Traditional dental insurance plans focuses on procedures that are deemed medically necessary. This is in contrast to procedures that are cosmetic – that is, they confer no medical benefit aside from the improved look of the teeth. Of course, that doesn’t mean that cosmetic procedures are not worthwhile!
Not every insurance plan covers dental health. Luckily, if you do have dental insurance, some cosmetic procedures may be partially covered. It simply depends on the plan.
What Dental Procedures are Considered Cosmetic?
Some of the most common cosmetic procedures include:
- Teeth Whitening: Chemical treatment of teeth that eliminates stains and discoloration.
- Veneers: Artificial covers for the visible surfaces of the teeth, usually made of porcelain.
- Shaping: Modifying the shape of the tooth to make it look nicer, usually through filing.
- Gum Contouring: Removal of excessive soft tissue that can cover parts of the teeth.
Some insurance plans offers no coverage for dental procedures at all, while other plans may reduce your out-of-pocket expenses without covering the procedure’s whole cost. Dental Plus Plans are specialized insurance plans offering enhanced coverage that often includes cosmetic dentistry.
When is Cosmetic Dentistry Covered by Insurance?
Cosmetic procedures can sometimes be covered to 50% of the total cost. However, there generally has to be an established medical benefit for the procedure in addition to the aesthetic benefit. Luckily, many cosmetic dentistry procedures do support the lasting health of your teeth.
Although whitening and gum contouring are almost never covered, it is possible to get veneers, bonding, and crowns covered in many circumstances. A dental exam can help establish that these procedures are necessary to help you maintain strong, healthy teeth.
For a Cosmetic Dentist in Madison, WI – Dental Health Associates Can Help
An experienced cosmetic dentist can help you keep down the cost of your procedures, no matter if you use insurance or pay out of pocket. Even if you discover that you can’t use insurance, you should often still consider the procedure as an investment in your future. Studies repeatedly show that people with a beautiful smile often find they are more confident and enjoy life more.