The year is coming to a close, and it’s time to start thinking about your dental coverage for the coming year. If you’re considering any cosmetic dental work, we wanted to make sure that
- You know how your potential procedure is classified, and
- You’re able to save as much money on it as possible.
Many dental insurance plans offer very limited coverage on cosmetic dental work (or none at all), but there are plenty of ways you can still get that sparkly smile you want without sacrificing an arm and a leg!
Is It Really Cosmetic?
An excerpt from our guide to cosmetic dental work says:
There tends to be some general confusion about how to define cosmetic dentistry. The generally accepted definition for cosmetic dentistry is the use of dental treatments and procedures to improve the appearance of the teeth and mouth. This simply means that cosmetic dentistry typically deals with personal preferences, not health issues. However, some procedures may fix an existing health issue as well as correct the appearance. Procedures like this can help correct alignment, color, arrangement or shape.
When using the above definition of cosmetic dentistry, you may be surprised at which procedures are actually included. Some procedures can even be considered both cosmetic and general dentistry depending on the circumstance.
If the procedure you want can be classified as non-cosmetic, you can typically save a lot of money with a dental plan. If you find out that the procedure you want is indeed considered cosmetic, the next question to ask is:
Will Insurance Cover It?
If you already have a dental plan, we cannot emphasize enough that you should read through your policy’s fine print before moving forward with the procedure. Talk with your dentist to learn the official ADA dental code of the procedure, and compare it to your insurance paperwork. Contact someone from your dental plan company if you’re still not sure if it is covered or discounted.
If you don’t have a dental plan yet, be sure to research any limitations. Get a list of everything that is discounted or covered under the plan you’re considering and double-check that your dental code is listed. Make sure it’s not excluded in any fine print! You may also want to see if the cost of being on the plan (plus the waiting period many plans have) is even worth the price difference on the cosmetic procedure.
To learn more, click here: Guide to Cosmetic Dentistry and Insurance Coverage
Are you considering cosmetic dental work in the coming year?