Does Dental Insurance Cover Cosmetic Dentistry?

Cosmetic problems like chips, gaps, and discolouration can leave you feeling self-conscious about your smile. Fortunately, most of these issues can be corrected through the use of cosmetic dentistry. Today’s dentists have more options than ever available to help their patients get perfect smiles. The only downside is that many of these procedures are quite expensive.

Even if you have dental insurance, procedures like these may not be covered. Most dental insurance policies are only designed to cover treatments that are considered medically necessary. This includes procedures like extractions, fillings, and root canals.

Things are a lot murkier when it comes to cosmetic procedures. Every insurance plan is a little bit different in terms of what is and isn’t covered.

Some plans cover cosmetic procedures if they improve the patient’s oral health. Others don’t provide any type of coverage at all.

Another thing to think about is that many standard dental procedures have the unintended benefit of improving your appearance. For instance, if you have a tooth with an extremely large filling, the surface of the tooth may appear discoloured. Over time, that filling may weaken until it reaches the point that you need a crown.

From the insurance company’s standpoint, the crown is required to support the structure of the tooth. As a result, they would most likely pay a certain percentage toward the cost of the procedure. From your perspective, however, having a crown put on the tooth could improve your appearance by eliminating the discolouration. That means that you not only get the benefit of a stronger tooth but also a healthier-looking smile.

Watch the video on how to become a cosmetic dentist.

Dental insurance differs quite a bit from medical insurance. There are usually caps on how much they will pay over a year toward certain procedures. That means that you almost always will wind up paying at least a portion of the expenses out of your pocket, regardless of whether or not the procedure is covered.