Will My Dental Insurance Cover Cosmetic Dentistry?

There is often confusion about whether insurance will cover a cosmetic dental procedure. Today we will talk about what cosmetic dentistry is, the differences between restorative and cosmetic dental procedures and how they can impact whether insurance will pay for a procedure.

What is Cosmetic Dentistry?

Cosmetic dentistry is considered an elective procedure, while restorative dentistry is considered medically necessary. However, the power of cosmetic dentistry cannot be underestimated, as a person’s teeth can have a huge impact on their self-confidence and self-esteem.

Cosmetic Dentistry Offerings

At UNO DENTAL, we provide a variety of cosmetic dental procedures to our patients. We realize when someone feels good about their teeth, it can be life-changing. Some procedures offered include dental crowns, porcelain veneers and teeth whitening. Consultations are free, so there is no cost to get a professional opinion and recommendation. We strive to help our patients achieve a healthy, functional, and beautiful smiles by the time they walk out of the doors of UNO DENTAL.

Does My Insurance Cover Cosmetic Dentistry?

Dental insurance often only covers medically necessary dental procedures. Due to many cosmetic dental procedures being considered elective, this causes a belief that cosmetic dental procedures will not be covered by insurance. However, this is not always the case. The key is whether a procedure is considered both restorative (medically necessary) and cosmetic. As long as the procedure has an element of being medically necessary, it will frequently be covered by insurance.

Financing Options

At UNO DENTAL, we are proud to offer competitive pricing, allowing us to serve a wide variety of people from many walks of life. Many patients find it a relief that we have several financing options, including accepting traditional insurance or starting a membership at UNO DENTAL.


For patients interested in using their insurance, there are a few practical aspects which are good to know. The first is that all dental plans are different, and many employer-provided dental plans vary in the types of services and amount they will cover for dental care. It is important to understand the plan, so you are not charged more than you expected. Consider taking some time to read through your dental insurance information.


Another financing option is joining our membership plan. This program is a competitively priced monthly plan which allows members to receive cleaning, exams, routine x-rays and discounts for many other procedures. One of the best parts is that there is no deductible or annual maximum. Here is some more information about our membership program.

Schedule a Consultation

We encourage you to explore more of our website to see if our services could be a benefit to you. Keep in mind that scheduling a consultation is free, so there is nothing to lose and only a beautiful smile to gain. Please book a consultation online, or call us at (415) 523-9178. We hope to see you in our office soon!

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