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Will Dental Insurance Pay For Your New Smile?
You purchased dental insurance through your employer and now you are wondering if it will pay for the work you want done on your smile. You need to have your teeth straightened, whitened and you would like to do something about gaps in your front bottom teeth. All of that dental work will surely cost quite a lot of money and you hope your dental insurance will pay quite a bit of it. But what does dental insurance usually pay for and are these kinds of things included?
Most dental insurance policies are designed to pay for preventive activities and health and longevity of your natural teeth activities. This includes things like routine checkups, cleanings and x-rays. Most dental insurance will also pay for fillings, root canals and crowns. Unfortunately under most circumstances, most dental insurance policies will pay for what they consider to be general dentistry but will not pay for cosmetic dentistry. Dental procedures like teeth whitening, dental veneers and orthodontics such as InVisalign are usually not covered.
These are the very dental procedures that are needed to give you that new smile. You would probably have to exceed the maximum out of pocket expenses before these dental procedures would be covered. Still, let's take a closer look. Most of the preventive dental care mentioned above is covered at 100% in most policies. Dental procedures such as the fillings, root canals and crowns are usually paid at 80% but depending upon the dental insurance policy they can be paid anywhere between 50% and 90%. Even with these procedures your dental insurance will have an annual maximum around $1000 to 1500. So if you need 3 crowns at $1000 each don't expect your insurance to pay half of that if it has a $1000 annual limit.
Now let's go back to that new smile you are looking for. What you are looking at is not considered preventive dentistry nor medically indicated but rather 'cosmetic' dental procedures and desired not needed. This includes procedures such as dental bleaching, the application of dental veneers or implants, orthodontic procedures or devices such as Invisalign or dental products such as SnaponSmile. So let's go over your list and see what might be covered. You want your teeth straightened, whitened and the gaps filled in. There are several different dental procedures you can use to reach these ends. Let's just look at one procedure for each need.
You indicated that you wanted your teeth straightened. This is an orthodontic dental procedure and some policies will pay for it and others won't. If it is medically indicated because of a problem with your bite, then it is probably paid for. If it is just that you don't like the way your teeth look, it may not be paid for. Your least expensive choice is Invisalign and most policies will cover about $500 for this dental procedure. Next is teeth whitening. Most dental insurance will not pay for this procedure. If you have it done in the dental office it will cost you typically around $1000. Finally you wanted to fill in the gaps and the best dental procedure for this is the application of dental veneers. The number one choice of cosmetic dentists is porcelain dental veneers and they can cost between $3000-10,000. Dental insurance will not pay for veneers when they are initially applied. If anything happens to them and you have to replace them then most dental insurance policies will pay.
Author Resource:-
San Jose dentists offers improvement in oral health for the entire family. You can consult your dentist San Jose for smile enhancement techniques.
Submitted
2012-02-04 08:52:12 By:
Tin Lam Article Read 136 Times Article From Article Listed
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