Cosmetic Dentistry Insurance Have Limited Coverage

Most of the time, you won’t know what you’re covered for until you need your insurance to cover it.  In some cases, you could be in for a surprise as you realized your health or dental insurance does not cover it.  Some of the medical and dental procedures not covered by general health and dental insurances are cosmetic in nature.

Most of the time, you won’t know what you’re covered for until you need your insurance to cover it.  In some cases, you could be in for a surprise as you realized your health or dental insurance does not cover it.  Some of the medical and dental procedures not covered by general health and dental insurances are cosmetic in nature.  What it coversIn general, Cosmetic Dentistry Insurance provided under a health or dental insurance have limited coverage.  Be sure to read the fine details on your insurance.  They won’t generally cover the following:

• Porcelain veneers done for the first time are not covered as they are purposely undertaken for cosmetic appearance only.  But there are exceptions, see below.

• Teeth whitening or bleaching procedures are not covered since this is purely done for cosmetic purposes and there’s no way to get around the provision.

• Correcting diastema or space between your teeth through bonding when undertaken for the first time is not covered.  But tooth bonding done for other reasons may get covered.Exceptions that are coveredDepending on your Cosmetic Dentistry Insurance provisions, some cosmetic situations that would not be covered can enjoy full or partial coverage under the following:

• Replacement of porcelain veneers that have deteriorated provided the deterioration is documented or certified by your dentists.  Your dental expenses may be reimbursed partially or fully if the price falls within its approved limits. It is recommended that you first submit a work estimate to the insurance company for approval.

• Orthodontic braces to strengthen the teeth can be covered if the insurance has a specific coverage which is optional when you first sign up for the insurance.  Again, despite being covered, you should get as estimate and have it approved by the insurance company.

• Repair of teeth or restorative dental treatment in case of facial or jaw injuries are covered by most medical plans.  Check your Cosmetic Dentistry Insurance to ensure it has this provision.