Sometimes, it may be a little difficult to find dental insurance that covers cosmetic dentistry. This article will talk about dental insurance, what it typically covers and if cosmetic dentistry may be covered by insurance. After reading this article, if you are interested, you can also take a look at the page of cosmetic dentistry services at www.riverlandsdental.com.au.
What is dental insurance?
Dental insurance is meant to help a patient with the costs of dental services. The general rule of thumb that applies to dental insurance is that it covers procedures that are medically necessary by the patient. If the procedure is not a medical need, and will only be used for cosmetic purposes, likely, this procedure will not be covered by dental insurance. Coverage varies per insurance company. It is a good idea to verify which procedures will be covered before you invest in dental insurance with a certain provider.
What are cosmetic dental procedures?
Most insurance companies do not cover cosmetic dental procedures, and patients will have to pay out-of-pocket for these procedures. Here is a list of some of the most common cosmetic dental procedures.
Teeth whitening. This procedure is considered cosmetic because it concentrates on restoring the beauty of teeth. Teeth that are discolored can be restored to their original whiteness through this procedure.
Dental veneers. Veneers are used to correct the shape, size and overall look of teeth. These are small porcelain plates that are attached to the front part of teeth to improve the way that they look.
Gum contouring. This procedure removes any excess gum tissue that covers teeth.
Teeth shaping. Shaping, based on the name, is a procedure done to re-shape teeth to make them look more appealing.
Dental insurance that covers cosmetic dentistry
There are some instances when cosmetic dentistry procedures may be covered by dental insurance. The main issue here is medical need. Dental insurance is designed to cover the costs of patients who need to have certain procedures done because they are medically necessary. If the patient can prove that the procedure is medically necessary, even if the procedure is considered a cosmetic one, part of the costs may be covered.
The best thing a person can do is to verify with their dentist and with their insurance provider. These are the two best sources of information on which dental procedures are considered cosmetic but will be likely to be covered by dental insurance. Most likely, cosmetic procedures that are done in part of a more extensive type of treatment that is medically necessary will be partially covered by the dental insurance of the patient.
For example, if the patient was in an accident, and requires full mouth reconstruction, and some procedures are considered cosmetic dental procedures that will be done in line with the full mouth reconstruction surgery, there is a likelihood that these procedures will be covered by the insurance of the patient. However, it is still a good idea for the patient to verify with their dentist as well as their insurance company about dental insurance that covers cosmetic dentistry.