Dental insurance usually does not cover elective types of dental procedures such as cosmetic dentistry. Some common examples would include cosmetic veneers or teeth whitening.
As discussed below, there are exceptions to this rule. For example, some patients have a type of irregularity on a front tooth that needs to be repaired, but a dental crown would be too aggressive to the rest of the tooth structure. A veneer or cosmetic bonding would be less invasive and serve as a restorative-type procedure. If such a situation arises, we will submit our case notes, photographs, and X-rays your dental insurance company in an effort to convince them to pay for the treatment.
Restorative dental treatments are almost always covered by your dental insurance. Restorations include things like fillings and crowns. It can also include dental implant therapy, depending on the specifics of your plan.
Restorations can be made in ways that are aesthetically pleasing and can therefore make up a crucial part of your smile makeover and still be covered by your insurance. When we use white composite fillings, or ceramic restorations to address physical damage to your teeth, you have a better chance of them being covered by your dental insurance.
Every smile makeover is unique. Dr. Roshan will evaluate your needs on a comprehensive and tooth-by-tooth basis. In some situations, a variety of restorative and elective treatments are used to achieve an overall goal. If you need to whiten your teeth before replacing a single porcelain crown (crowns can’t be whitened after they’re placed) you would have to pay for the whitening out of pocket, before filing the crown against your insurance benefits.
As part of your cosmetic dentistry plan, we will provide a variety of options and a detailed breakdown as to what is covered (or not) by your insurance benefit package.
In most cases, you can easily finance the portion of your treatment that isn’t covered by insurance, making it more affordable. If your insurance pays more than you expect, you’re left with a lower out-of-pocket amount.Please speak with our Financial Coordinator to find out which types of cosmetic restorative treatments are covered by your insurance.