Unlocking the Mystery: Does Insurance Cover Veneers?

Veneers are thin shells that cover the front of your teeth to improve their appearance and function. They can correct cosmetic issues such as chipped, stained, crooked, or gapped teeth. Veneers are usually made of porcelain or composite resin and are permanently bonded to your teeth.

But how much do veneers cost and does insurance cover them? In this article, we will answer these questions and provide you with some tips on how to save money on veneers.

Key Takeaways

How Much Do Veneers Cost?

The cost of veneers depends on several factors, such as:

• The type and quality of the material used
• The number and location of the teeth that need veneers
• The experience and reputation of the dentist
• The geographic area where you live
• The complexity of the procedure

According to NewMouth, the average cost of veneers in the United States is as follows:

These prices do not include other fees that may be involved in the process, such as:

• Consultation and evaluation
• X-rays and impressions
• Tooth preparation and reshaping
• Temporary veneers
• Cementation and adjustment
• Follow-up visits

Therefore, the total cost of getting veneers can be much higher than the average price per tooth. For example, if you want to get eight porcelain veneers for your upper front teeth, you may end up paying anywhere from $7,400 to $20,000.

Does Insurance Cover Veneers?

Most dental insurance plans do not cover veneers because they are considered a cosmetic procedure that is not medically necessary. However, some plans may cover a portion of the cost if veneers are needed to:

• Repair a tooth that is damaged by an accident or injury
• Restore a tooth that is severely decayed or infected
• Replace a missing tooth as part of a bridge or implant
• Treat a medical condition that affects the teeth, such as enamel hypoplasia or fluorosis

In these cases, your insurance may pay for the functional aspect of the treatment, but not for the aesthetic enhancement. For example, if you need a crown to protect a damaged tooth, your insurance may cover the cost of the crown but not the additional cost of making it look like a natural tooth with a veneer. Does Insurance Cover Veneers?

To check out whether your insurance covers veneers, you should:

• Check your policy details and benefits summary
• Contact your insurance company and ask about your coverage and limitations
• Get a pre-treatment estimate from your dentist

You should also be aware that even if your insurance covers some of the cost of veneers, you may still have to pay for:

• Your annual deductible
• Your co-payment or co-insurance percentage
• Your annual maximum limit

For example, if your insurance covers 50% of the cost of veneers after you meet your $100 deductible and your annual maximum is $1,500, you will still have to pay:

• $100 for your deductible
• 50% of the remaining balance after your deductible is met
• Any amount that exceeds your annual maximum

How Can I Save Money on Veneers?

If you want to get veneers but your insurance does not cover them or only covers a small portion of them, there are some ways you can save money on this procedure. Here are some tips:

• Compare prices from different dentists and clinics in your area or abroad. You may find significant variations in the cost of veneers depending on where you go. You can use online tools such as Dental Insurance Guide or HealthNetwork to compare dental plans and prices.
• Choose a less expensive material for your veneers. Composite resin veneers are cheaper than porcelain veneers but they may not last as long or look as natural. You can also opt for no-prep veneers which require less tooth preparation and therefore less fees.
• Join a dental discount plan. A dental discount plan is not insurance but a membership program that gives you access to discounted rates from participating dentists. You pay an annual fee and get discounts ranging from 10% to 60% on various dental services, including veneers. You can find dental discount plans from companies such as Humana or Spirit Dental.
• Apply for financing options. If you cannot afford to pay for veneers upfront, you can look for financing options that allow you to pay in installments over time. Some dentists may offer in-house financing or work with third-party lenders to provide you with affordable payment plans. You can also use your credit card or personal loan to pay for veneers, but be careful of the interest rates and fees.
• Take good care of your veneers. Once you get veneers, you should maintain good oral hygiene and avoid habits that can damage them, such as biting hard objects, grinding your teeth, or smoking. You should also see your dentist periodically for check-ups and cleanings. By taking good care of your veneers, you can extend their lifespan and avoid costly repairs or replacements.

Conclusion

Veneers are a popular cosmetic dental procedure that can improve the appearance and function of your teeth. However, they can also be expensive and not covered by most insurance plans. If you want to get veneers, you should do your research and compare prices, materials, and coverage options. You should also look for ways to save money on veneers, such as joining a dental discount plan, applying for financing options, or choosing no-prep veneers. By following these tips, you can get the smile you want without breaking the bank.