Dental Tips Blog


Payment Options for Cosmetic Dental Work

Cosmetic dentistry is any dental work that is not medically necessary but that is done, rather, to improve the appearance of the teeth. Examples of cosmetic dentistry include bleaching the teeth to create a whiter smile, covering chipped or misshapen teeth with porcelain veneers, or inserting a dental bridge to fill a gap. Because these procedures are sought for aesthetic purposes, they are usually not covered by dental insurance plans; however, there are steps you can take to minimize your out-of-pocket costs.

Firstly, it is recommended that you call your insurance provider to find out exactly what is covered by your plan. Secondly, discuss with your dentist whether your cosmetic concern might also qualify as a needs-based claim. It is sometimes possible to get coverage for cosmetic dental procedures that have some functional benefit. For example, bonding chipped teeth may be desirable to improve the appearance of your teeth, but it can also be a matter of correcting the functional issue of bite in which case, your insurance company may provide partial coverage. Likewise, cosmetic repairs related to injury are usually covered by dental insurance.

If you do not have insurance, you may want to consider an alternative dental savings plan. Nowadays, a plethora of discount dental programs have made cosmetic dentistry more accessible to all. These alternative plans offer low monthly or yearly rates and flexible payment options and typically have a one-time enrollment fee.  By doing a quick internet search, you can find a number of non-profit agencies and programs in your area that offer low-cost cosmetic dental plans at set fees. Alternatively, some cosmetic dentists offer in-office dental savings plans through a membership program, so it is always a good idea to call your dentist to discuss payment options.

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