Despite the growing popularity of cosmetic dental insurance, there are still a host of questions that experts have yet to answer. One such reason is whether dental insurance covers cosmetic dentistry.
In this article we will take a look at how cosmetic dentistry works and the different insurance plans available to anyone interested in them.
What is cosmetic dentistry and how does it work?
Cosmetic dentistry is the application of dental treatments and procedures to improve the appearance of the teeth and mouth.
This simply means that cosmetic dentistry is usually concerned with personal tastes rather than health concerns. On the other hand, some dental procedures can treat and improve a health problem. This type of procedure can help correct the alignment, color, arrangement, or shape of the teeth.
What are the different insurance plans available in cosmetic dentistry?
Some insurance plans do not cover many, if any, cosmetic procedures, and most do not cover teeth whitening.
The main reason why most dental insurance plans do not cover cosmetic procedures and teeth whitening is because they have higher premiums and deductibles. Here are some dental insurance policies that include some cosmetic dentistry coverage:
AARP Delta Dental Plan “A” Provides coverage for basic procedures as well as many cosmetic procedures. Crowns, prosthodontics, and implants are among the cosmetic procedures covered. After a waiting period of one year, Delta Dental will cover 50% of the cost of the procedure. For one person, this package typically costs around $50 per month.
Anthem Blue Cross Dental Blue Enhanced PPO he is Anthem’s most popular dental PPO plan, and apparently the only one that covers important services. Prosthodontics, implants, braces, and some discounts on veneers are among the cosmetic procedures available after a 12-month waiting period. Orthodontics for children is covered only, and members get 50% discount on cosmetic procedures. For one person, this package typically costs $50 to $60 a month.
Dental Discount Plans
In the dental sector, discount dental plans are becoming increasingly popular. Here are a handful that offer significant savings on most cosmetic dental procedures:
Careington Care 500
All cosmetic procedures are discounted, except for teeth whitening and invisible braces in selected cases. Braces for adults and children, implants, caps and crowns, veneers, and other dental procedures all qualify for discounts. Cosmetic procedures may be reduced by up to 60%. For one person, the Care 500 series costs about $99 per year.
Dental Access Plan
This plan offers discounts on a variety of cosmetic procedures. Discounts range from 15 to 50% off, although most cosmetic procedures may lean more toward the 15% range. Members can use the discounts from 7 to 10 business days after registration. A membership in an Aetna dental plan is just over $99 per year per person.
Whether you need a dental implant or just want to whiten your teeth, one of these dental plans can help you save money. Whichever option you choose, double-check their cosmetic procedures policy to make sure the procedures you want are covered or discounted. This may help you focus on the most important aspects of your studies so that you can make the best possible choice.