Generally
the insurance companies do not recognize cosmetic dentistry under common
dental insurance. It provides coverage only for the treatments like paediatrics,
dental public health, prosthodontics, periodontics, orthodontics, endodontics,
dentofacial orthopaedics and few more.
They pay only for the damaged tooth problems that have to be rectified.
They do not pay for cosmetic dentistry procedure since they are optional
procedures that are done to improve your appearance.
Is Cosmetic
Dentistry Insurance Available?
Few insurance companies have dental insurance policies that cover cosmetic
dentistry as well. But to get this coverage, you have to pay more premium
cost to the company. This will be an expensive deal.
However certain
genuine insurance companies have introduced dental plan that provides
coverage for few basic cosmetic surgeries such as root canals, braces,
dentures, orthodontics and few more. The premium cost for these dental
plans is less expensive when compared to the dental insurance policies
covering cosmetic dentistry.
Hence these dental plans are very popular among people whose income is
low, since they would not be able to pay high premium amount. However,
you should get complete details of the scheme from the concerned insurance
agent, analyze it and then prefer to opt for this plan.
Guidelines
before Claiming Cosmetic Dentistry Insurance
• Completely learn about your insurance scheme and kind of treatments
you have to undergo. For orthodontic insurance it ranges from $1000 to
$2500. Dentistry insurance policies are enhanced in short time which offers
more coverage to your plan.
• Note down the customer care number that will be given on your dental
insurance policy and call them if you want to clarify your doubts. Explain
your treatment to be done and verify from them if your policy is eligible
for that.
• If the treatment you require is not included in your insurance
coverage, then contact your insurance agent to take action for accounting
your treatment in your coverage. In such cases, you may have to pay extra
premium.
• Ensure that the dentist you choose is approved by the Insurance
Company.
• Consult your dentist and check whether they provide any financial
plans.
