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The Cosmetic Dentistry Procedures Dental Insurance Generally Excludes The level of dental insurance cover, like all other insurance, tends to vary from policy to policy but as a general rule cosmetic dentistry procedures, for the sake of appearance, are not covered by dental insurance. One main indicator as to what won’t be covered by dental insurance is whether or not the dental care you are seeking is for the sake of appearance or for the ongoing care of your teeth. • Take for example tooth whitening. Tooth whitening is a cosmetic procedure with its only impact being on the colour of your teeth. Standard dental insurance policies could not cover cosmetic procedures such as tooth whitening • Dental implants are likely to be a particular exclusion on a standard dental insurance policy with such dental work being for appearance including comfort rather than the care of your teeth. Unless you have opted for a particular insurance (which obviously comes at a price) that includes certain cosmetic procedures the high cost of tooth implants could be coming straight out of your own pocket. • The fixing of porcelain veneers is another procedure that is unlikely to be covered by dental insurance, again, a cosmetic procedure purely for the sake of appearance. It should be possible to claim the cost of defective cosmetic dental work from your dental insurance but not the cost pertaining to the original work. • Basic braces are often covered by dental insurance but if you need something more sophisticated such as invisible braces then you could generally have to cover the cost yourself. • Dental insurance should or should not cover the cost of tooth bonding with it basically coming down to the reason the work is being done. • Dental insurance is likely to cover the cost of amalgam fillings but if you need the more visually appealing white fillings then expect to pay. • If you need a crown including there is absolutely no other option then your dental insurance provider is likely to insist on the cheaper option of porcelain fused to a metal crown. It could do the job should look quite fake. If you need a natural looking porcelain crown then you’ll need to cover the additional cost. This is just a short summary of likely dental insurance exclusions. It’s a rule of thumb including not a given so make sure you never pay out for dental insurance until you know what you are going to obtain for your money. Compare policies so that you obtain best value for dollars including make sure it is clear as to what costs you could have to cover yourself. Be warned. 1 story I heard just the other day was that someone lost including damaged a significant number of teeth at the time he was pushed to the ground hitting his mouth full on. His dental insurance covered less than half pertaining to the $15,000 dental bill!
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