Does Insurance Cover Cosmetic Dental Treatments?

Cosmetic treatments can cover a wide range of dental needs, so it’s not unreasonable to wonder if insurance will pay for part of the procedure. Here, we’ll look at what you should know about insurance policies and how to make better financial decisions if you’re hoping to revamp your smile.

Insurance and Cosmetic Dentistry

Cosmetic dentistry in Hackensack, NJ theoretically refers to treatments that only help you look better. Services like teeth whitening and veneers won’t make your teeth or gums healthier, but they will remove stains, cover cracks, etc. Treatments with a solely aesthetic component are typically not covered by standard insurance.

However, if you want to cover services with a general dentistry component, like dental implants, you might be able to use your insurance to pay for a portion. Procedures like implants and bridges do have a cosmetic benefit, in that they fill in gaps in your smile, but they also prevent your remaining teeth from shifting out of place and bacteria from moving into the gap.

Insurance companies may list these procedures as cosmetic, largely in an effort to cut down on their expenses, though it all depends on the decision-makers writing the policy. If you want to know what you’ll pay out of pocket, it helps to work with a team that has enough experience filing claims and monitoring the outcomes.

Financing Options in Hackensack, NJ

If you’re looking for financing options in Hackensack, the team at State Street Smiles gives our patients as many options as possible. In addition to working with most insurance companies, there’s also short-term financing, membership clubs, layaway, and payment plans. Here, we recommend treatments based on your health — not based on what insurance will cover. As more and more patients find themselves losing benefits, we can help you fill in the gaps.