Cosmetic dentistry is one of the most expensive dental procedures. Even if they are not necessarily needed, a lot of people are still willing to pay for it to improve not only their aesthetics but their confidence and self-esteem, too. Cosmetic dental insurance can help in lowering these costs.
Although, generally cosmetic dentistry is denied of dental coverage, there are some which can be covered by dental plans, like veneers and braces. You may need to submit pre-treatment estimate. But they are not fully covered by the plan.
What procedures are considered part of cosmetic dentistry?
1. Veneers. Dental plans would not cover getting veneers, but if you are replacing them, then it is likely to get covered.
2. Braces. Most dental plans would cover orthodontic braces since they are important in correcting teeth alignment. If you or your child is in need of braces soon, make sure that they are included in your insurance plan.
3. Teeth whitening. This is part cosmetic dentistry, unfortunately, they are not covered by most insurance plans.
4. Bonding. Another procedure which may or may not be covered by the dental plan.
Everybody wants to pay for a low cost dental plan which would be able to provide and cover important dental needs and treatments. A lot of Americans are not able to purchase dental plans because of its cost, but the cost of getting dental services is higher. However, it does not mean you would have to jump on the first and cheapest plan that you would see.
There are several mistakes you want to avoid when looking for affordable dental plans.
1. Signing or enrolling in the first cheap plan you see. Shop around for other plans. The first one that would come up in a search engine or in Google may not be the best and the most affordable options. It is important to get as much quotes as you can, there are online dental comparison sites which you can use to get quotes in your state or area.
2. Just looking at the price. The price is not the only determining factor. You should understand what dental services are covered by the dental plan. You do not want to be in a line in your dentist’ clinic only to find out that your dental treatment is not covered by your dental plan.
3. Not checking the provider. Dental insurance plans would usually have a network of dental provider where you are required or recommended to get dental services from. If you want to get dental service from your own dentist, then look for plans that would allow you to do so.
4. Settling for low premiums without investigating. Low premiums are perhaps the best thing about affordable dental plans. However, you should never settle for low premiums without investigating it, there could be hidden costs or additional fees that may eventually come up.