It seems like nobody is willing to compromise on the beauty of their smile considering how popular veneers have become. Although they are considered cosmetic procedures by many, interested individuals often wonder “will insurance cover my veneer procedure?” There is not a straightforward answer to this but the article will help you figure out what you need to know!
In What Cases Are Veneers Covered By Insurance?
Veneers may not always be covered by dental insurances. There are specific insurance plans that cover them while others don’t. Therefore, before you sign up for any plan, it is important to review the inclusions and exclusions by the company. Additionally, there are certain instances which can make it possible to get veneers through insurance programs.
- There is a need to determine whether veneers are a medical necessity for an individual or merely a cosmetic procedure. In case of the latter, insurance is less likely to cover it. This happens in case of slight misalignment or discoloration. However, if it is necessary, insurance will provide coverage. You can get veneers under insurance if the tooth is severely discolored due to trauma or medication.
- Insurances also determine if you needed veneers before you signed up for the plan or after it. If the need was present before the coverage began, insurance will most likely not cover it.
- There can be limits on how many types an insurance plan will cover veneers. You may not be able to score a covered replacement of a tooth if you have already got one in a specific time frame.
- “Is veneers your only treatment option?” This is another question that insurance providers scrutinize for coverage. If you are avoiding other types of treatments because of the expense only, insurance might not favor dental veneers for you.
There are additional considerations about getting veneers covered by insurance. If you luckily have an insurance plan that covers for such dental services, you may still not to address any deductibles, copay or the annual maximum amount that an insurance pays so you do not exceed the limit. Moreover, the majority of insurance plans require pre-authorization before medical procedures.
Does Insurance Cover Out-of-Network Veneers?
Whether out-of-network veneers are covered or not depends on the type of insurance plan that you have.
Preferred Provider Organizations (PPO) plans typically provide coverage for certain out-of-network procedures. However, keep in mind that there is a financial limit so the complete procedure may not be covered and you will have to pay out of pocket. On the other hand, Health Maintenance Organizations (HMO) plans cover only in-network dentists.
Impact on Specific Plan on Veneer Insurance
Different plans will have different terms, inclusions, exclusions, and coverage levels. Therefore, how a plan covers for veneers depends on the provisions of the plan. One plan might cover multiple replacements while the other covers only 1 in a specific period of time. Additionally, a certain type of insurance may provide 50% coverage while the other can offer less or more.
Finding Dental Veneers Covered By Insurance
Going for specific treatment like veneers under insurance plan can be a confusing and a scary procedure especially if it’s your first time around. Simply follow the action plan below to make it easier!
- First of all, determine the type of veneers that you want and also why you need them. Veneers can be for repairing tooth damage or discoloration. Medical reasons will qualify for insurance coverage in the majority of the cases. Moreover, you can choose between porcelain and composite veneers.
- The next step is to go through the details of the dental insurance policy and determine what type of coverage and benefits are provided. You will find useful details under the section “cosmetic procedures” or “restorative treatments”
- Once you understand the insurance plan, reach out to the insurance provider for more clarity. You can contact the company through the customer service line and ask them directly any questions you have regarding dental veneers.
- Request the chosen dental office to provide you with a pre-treatment estimate. You can then share the estimate with the insurance provider to clearly know what they will or will not cover. This will take care of any ambiguity before the process begins.
- For better coverage and more savings, it is best to consider in-network dental services. However, if you decide to go for out-of-network dentists, make sure your plan covers for it although it is typically lower.
Merely finding an insurance plan that covers dental services is not enough. To make the best use of it, you must keely read customer testimonials on online forums to ensure you are working with insurance companies that offer ideal dental veneers. Feel free to get multiple consultations and contact different dentists before finalizing the place.
Most importantly, always stay up to date with the changes in insurance policies. With periodic updates, some insurance plans that did not cover veneer previously may offer the service in the future.
Alternatives To Try If You Can’t Afford Dental Veneers
There are alternative treatments that you can try if your insurance plan does not cover veneers and you don’t want to spend out of the pocket. Composite bonding or dental crowns are a few of the options you can consider.
If veneers are essential for you, exploring other payment plans can help. There are financing options that allow you to spread the payment over time to make them more affordable. You can also look into dental schools that offer procedures as part of their training programs to students. They typically charge less than established dental offices. Affording veneers may come down to drawing up a savings plan.
Other Things Covered By Dental Insurance
There are different types of dental insurance and each is designed to cover a different package of services.
Most dental insurances cover 80% of the restorative treatments such as tooth filling, extractions, or root canal treatment. Only half of dental crowns and dentures are covered. However, keep in mind that complex procedures have higher costs and therefore, the amount covered by insurance will vary. Always confirm beforehand to avoid any trouble down the road.
To Wrap It Up
All in all, if dental insurance will cover veneers or how much reimbursement you can expect depends on specific plans. Nonetheless, veneers may be a necessity for some people. Not only do they enhance the overall look but also improve the patient’s oral health. Therefore, if a saving budget is needed, it is a not huge cost to pay in a long run.
Also read about What Are Returnable Assets?
Frequently Asked Questions
Are dental veneers worth spending money on?
After figuring out “how much do veneers cost”, everyone wonders if they are worth spending on. Veneers are costly but they have a permanent fixing impact giving you confidence for life. Typically, you would need to replace them for years due to high durability. Therefore, if dental veneers are really needed, they are worth spending money on if not insured.
Does Blue Cross insurance cover veneers?
No. Blue Cross considers veneers a cosmetic procedure and does not cover it under insurance.
How much is a full set of veneers with insurance?
It can cost between $800 to $1350 depending on which type you decide to go for.
Does Delta Dental cover veneers?
Some Delta dental plans may cover for veneers although all of them consider veneers as a “cosmetic procedure”.
Does PPO Insurance cover veneers?
PPO plans mostly do not cover cosmetic procedures which include teeth whitening, shaping, and veneers.
Does Medicaid cover veneers?
Medicaid may cover veneers depending on where you live since the rules and regulations differ in each state.
