The Ultimate Guide to Cosmetic Dentistry and Insurance Coverage
Notwithstanding the increasing popularity of cosmetic dentistry insurance, there are still a bunch of questions experts are yet to answer. One of such is whether dental insurance covers cosmetic dentistry.
In this article, we shall look at how cosmetic dentistry works and the various insurance plans available for anyone that is interested in it.
What is Cosmetic Dentistry and How Does It Work?
Cosmetic dentistry is defined as the application of dental treatments and procedures to improve the appearance of the teeth and mouth.
This simply means that aesthetic dentistry is usually concerned with personal tastes rather than health concerns. Some dental procedures, on the other hand, can both treat and improve a health problem. This type of procedure can aid in the correction of alignment, color, arrangement, or shape of the teeth.
What Are the Various Insurance Plans Available in Cosmetic Dentistry?
Some insurance plans don’t cover many cosmetic operations if any at all, and the majority of them don’t cover teeth whitening.
The core reason why most dental insurance plans don’t cover cosmetic operations and teeth whitening are because they have higher premiums and deductibles. Here are a few dental insurance policies that include some aesthetic dentistry coverage:
AARP Delta Dental Plan “A” provides coverage for basic procedures as well as several cosmetic procedures. Crowns, prosthodontics, and implants are among the cosmetic procedures covered. After the one-year waiting period, Delta Dental will cover 50% of the procedure cost. For one person, this package normally costs roughly $50 per month.
Anthem Blue Cross Dental Blue Enhanced PPO is Anthem’s most popular dental PPO plan, and it appears to be the only one that covers significant services. Prosthodontics, implants, orthodontics, and some discounts on veneers are among the aesthetic procedures available after a 12-month waiting period. Only children’s orthodontics are covered, and members receive a 50% discount on cosmetic operations. For one person, this package typically costs $50-$60 per month.
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Discount Dental Plans
In the dental sector, discount dental plans are growing more popular. Here is a handful that offers significant savings on most cosmetic dentistry procedures:
Careington Care 500
All aesthetic operations are discounted, with the exception of teeth whitening and invisible braces in select situations. Braces for adults and children, implants, caps and crowns, veneers, and other dental procedures are all eligible for discounts. Cosmetic operations might be discounted by up to 60%. For one person, the Care 500 Series costs roughly $99 per year.
Dental Access Plan
This plan offers discounts on a variety of cosmetic procedures. Discounts range from 15-50% off, though most cosmetic procedures may lean more toward the 15% range. Members can use the discounts 7-10 business days after signing up. Membership with the Aetna dental plan is just over $99 per year for an individual.
Whether you need implants or just want to whiten your teeth, one of these dental plans may be able to help you save money. Whichever option you choose, double-check their cosmetic procedure policy to ensure that the procedures you want are covered or discounted. This might help you focus on the most important aspects of your study so you can make the best selection possible.