Navigating coverage for cosmetic dental treatments through insurance can be a nuanced process, largely because insurance companies often draw a line between treatments deemed ‘cosmetic’ and those considered ‘restorative.’
Cosmetic vs. Restorative Treatments
Generally, cosmetic dental treatments are those undertaken to enhance appearance, without a medical necessity. Restorative treatments, on the other hand, are procedures required to fix a dental issue or restore dental health. Insurance plans typically cover restorative dental treatments, recognizing their necessity for maintaining or improving oral health, while cosmetic dental treatments are not typically covered by insurance.
Which Cosmetic Dental Treatments Does Insurance Typically Cover?
While it’s common for dental insurance plans to exclude purely cosmetic procedures, there is some gray area. Some treatments initially sought out for cosmetic improvements, such as veneers, may also have restorative benefits. For example, veneers can protect the surface of damaged teeth, or improve one’s ability to chew if their natural teeth have been ground down significantly.
In cases where a traditionally cosmetic treatment is deemed restorative, insurance companies may award patients coverage of a cosmetic procedure. Often insurance companies will deem veneers or a crown restorative if there is loss of tooth structure that needs to be replaced. Some insurance policies may cover up to 80% of these types of treatments.
Navigating Dental Insurance with Cedarwood Dentistry
At Cedarwood Dentistry, we’re here to assist you in understanding your coverage and exploring financing options to make your desired treatment accessible. We will always help you document your case so you submit a strong argument to your insurance company when seeking coverage for any kind of dental procedure.
Whether you’re seeking to enhance your smile’s appearance or address dental health concerns, we can help determine the extent of coverage for your chosen cosmetic treatment and guide you through the options available to achieve the smile you desire. Reach out to Cedarwood Dentistry to learn more.