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Dental Insurance for Veneers?

One of the most common questions patients have about porcelain laminate veneers is:  Will my insurance cover this procedure?  The answer is generally no.  This answer applies to just about every other cosmetic dentistry option such as teeth whitening, dental implants etc.

Dental insurance is is designed to cover your general dentistry needs and in some cases with better dental plans they will cover orthodontics and procedures that need to be done for dental health reasons not esthetic or cosmetic reasons.  Procedures such as porcelain veneers and dental implants are commonly referred to as elective procedures similar to breast augmentation or liposuction.  Since they are elective, insurance is not a realistic option and if a dentist is finding a way to put your veneers or cosmetic dentistry procedure through dental insurance you should be vary careful you are not committing insurance fraud.

If dental insurance is not an option for veneers, then what is?  Dental treatment financing.  This can be attained in a number of different ways.  Sometimes the dentist will offer their own financing to patients and take on the risk of a delinquent account.  When they take on the risk they will save a small percentage that would otherwise have to be paid to the third party dental finance company.

The other option is getting your veneer financing through a third party finance company.  Some big well known companies include Care Credit and DentalFeePlan.  These companies have many dentists in there network that use their third party services.  There are also many other companies that have a great reputation and are able to get you loans for your dental treatment.  One very successful company that has a high success rate of obtaining loans is Enhance Patient Finance. 

When financing veneers directly through the dentists practice they will generally need a minimum fee up front to cover their raw costs.  This is totally reasonable considering they can't repossess your teeth if you decide not to pay. 

The bottom line, if a new smile is worth it to you, there is always a way to make it happen.  Dental insurance will not cover vineers.

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Thursday, October 23, 2014