Have you been planning on getting some cosmetic dentistry work done? Then you might have also wondered if dental insurance ever helps pay for it. Treatments like teeth whitening, veneers, and bonding can dramatically improve your smile, but they’re often seen as “optional” by insurance companies. While purely cosmetic care is usually not covered, there are times when insurance may help. Here’s how to understand the difference and what to ask before starting treatment.
How Insurance Defines “Cosmetic” Dentistry
Most dental insurance plans focus on preventive care and procedures that restore health and function. This includes services like cleanings, fillings, crowns, and sometimes orthodontics.
Cosmetic dentistry, on the other hand, is usually defined as treatment done primarily to improve appearance rather than health. Basically, if a treatment isn’t required to help you chew, speak, or maintain your oral health, your plan likely won’t cover it.
When Will Dental Insurance Cover Cosmetic Care?
Some treatments have both cosmetic and functional benefits. In those cases, insurance might cover part of the procedure, especially when there is clear damage or disease. However, this will usually require a written notice from your dentist explaining how the treatment affects your health.
Examples include:
- Crowns: If a tooth is cracked or badly decayed, a tooth-colored crown restores strength and function as well as appearance. Insurance may cover a portion based on what a basic crown would cost.
- Bonding: When bonding repairs a chipped or broken tooth, it may be considered restorative. If it’s done only to change the shape or color of a healthy tooth, it’s usually cosmetic.
- Orthodontics: Traditional braces or clear aligners to fix a functional bite issue may have orthodontic benefits. If the change is only for a minor cosmetic improvement, coverage is less likely.
Always Get Confirmation Before Treatment
Every insurance plan is different. The best way to know what is covered is to review your benefits. You can usually do this by looking at a benefits booklet or online portal, depending on your provider.
Once there, search for sections labeled “major services” or “limitations.” These are usually where you’ll find covered services and exceptions. If you need help figuring it all out, you can always ask your dental team.
Sometimes they can even send a pre-authorization before starting treatment, signaling intent to your provider. This isn’t a guarantee of coverage, but it can often give you a helpful estimate of what your plan may pay.
If you’re thinking about cosmetic dentistry, start with a consultation. Your dentist can suggest options that fit your goals, explain what may be covered, and help you understand the total investment before you decide.
About the Author
Dr. Lindsey Hammond is a Tulsa native and proud graduate of the University of Oklahoma and the University of Oklahoma College of Dentistry. With over 14 years of experience, she loves helping patients maintain, restore, and enhance their smiles. Call (918) 265-3882 to schedule a dental implant consultation at Glisten Dental Care of Tulsa or visit our website to learn more.