Most dental insurance excludes purely cosmetic procedures. However, some treatments like crowns may be covered when medically necessary, not just cosmetic.
Veneers are typically not covered as they are considered cosmetic. If a veneer restores a damaged tooth, partial coverage may apply under major restorative benefits.
Professional teeth whitening is not covered by dental insurance as it is considered an elective cosmetic procedure with no medical necessity.
Restorative dentistry repairs function and health (covered by insurance). Cosmetic dentistry improves appearance only (usually not covered) though procedures may overlap.
Bonding to repair chips or decay may be covered as restorative. Bonding purely for cosmetic improvement or contouring for aesthetics is typically excluded.
Comprehensive smile makeovers are not covered as they are cosmetic. Individual components may have partial coverage if they address functional issues.
HSA funds can only be used for medically necessary procedures. Purely cosmetic dental work does not qualify for HSA/FSA payment.
Crowns, bridges, and dentures have coverage when restoring function. Orthodontics may be covered if correcting bite issues, not just straightening teeth.
Payment options include dental financing (CareCredit, LendingClub), payment plans from dentists, dental school clinics, and dental discount plans for savings.
Very few plans cover cosmetic work. Some supplemental dental plans or premium policies may offer limited cosmetic benefits. Discount plans offer savings on any procedure.