Monday, May 17, 2010

Are cosmetic dental services such as teeth whitening covered by most dental insurance plans?

Other examples might be porcelain veneers, dental implants and bonding. Are these normally covered by regular medical/dental insurance plans provided by employers?

Are cosmetic dental services such as teeth whitening covered by most dental insurance plans?
Coverage through employment sometimes has the coverage your looking for, depending on the insurance company, package and deductibles. I have insurance and another plan on the link below to cover what my insurance did not. Weather

I would encourage you to visit this website.

I signed up with them online over 3 years ago. They have helped me save thousands of dollars from extractions, root canals, cleanings. I know for a fact that all services are included especially orthodontics and cosmetic surgery for the entire family in the benefits. They had my membership active in 2 hours and was able to use the same day. I am very thankful that I found them. Check to see if they are in your area.

Good Luck. Hope this helps
Reply:No. Insurance is designed to meet your needs, not your wants.

Having said that, I will also say that an experienced dental insurance processor does know how to submit claims for those procedures which accompany the cosmetic work, which can help to offset the costs.

Also, insurance will pay for many of the base procedures, if you are willing to pay the difference between what is covered and what you want, such as the difference between what your insurance will pay for a crown (a porcelain fused to metal crown) and the cost of a cosmetic crown (all porcelain)
Reply:If you have Extras cover on your health insurance then you should be covered for dental practices.

It really depends on your level of cover.

Some of the simple extras cover won't cover dental implants, crowns, vaneers or root canal as they are major dental.

Only some cover whitening as this is asthetic dental and some health insurance don't see it as nessary.

Bonding, cleaning, xrays and mouth guards are usually covered standard evern for simple extras covers.

If you find out who you are insured with and your level of cover, go on their web site and they should have a list of what you will be covered for.
Reply:No, but this is cheaper anyway! and good.

At least do yourself a favor and READ the information on that page. I think you will be glad you did.
Reply:NO….Go for a Indemnity dental insurance plans: People opting for this plan pay their dental bills from their pockets and then recover the costs from the insurance company. An insurance company generally pays a specific percentage of your dental bills. It can be 50% - 100% based on your plan.

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