Why Cosmetic Dentist Services Are Rarely Covered By Insurance

You need teeth to chew, and to speak. Yet, if you are missing teeth or you want to make your other teeth stronger and better in appearance, dental insurance may not cover the cost. There are one or two exceptions, which will be discussed later on. There are reasons why, and while it makes sense on the end of the dental insurance companies, it does not always make sense to those seeking to restore and rejuvenate their teeth.

Dental Insurance May Not Cover Implants

Despite the fact that a lack of teeth makes it difficult to speak and chew, most dental insurance companies will not cover the costs of dental implants. The reason for this is that if they cover the implants, then they also have to cover the costs related to accidents and health problems that can occur with implants. For example, if you were to get dental implants, and then develop an infection and/or a broken jaw, the insurance company would also have to cover some of these related expenses to heal you and restore your mouth.

Since dental implants are also very expensive, it is not something most insurance companies will cover. The only, and rare, exception is when a person has either been in a car accident, or a victim of domestic abuse. Even then, medical insurance typically covers some of the oral care costs if and when the dental insurance is willing to cover the implants.

You Do Not Need Perfect Teeth to Live

The point to cosmetic dentist services is that it exists to make oneself more attractive. It is completely elective and not necessary for one's daily survival. Regardless of missing teeth, broken teeth, or discolored teeth, most dental insurance companies will argue that whitening, veneers, and implants are all cosmetic. They are elective procedures that should be the responsibility of the person choosing to have those procedures completed.

There Are Alternatives That the Insurance Company IS Willing to Cover

Since most dental insurance companies will cover part of the cost for full or partial dentures to replace missing teeth, insurance companies are not willing to cover implants. Additionally, they are not willing to cover whitening costs because better oral hygiene is supposed to take care of that. Veneers can break, and replacements are expensive, but crowns last longer, so the insurance companies will cover part of the cost of crowns, but not veneers for broken or misshapen teeth.