Does Insurance Cover Veneers?

Does Insurance Cover Veneers

Understanding whether your insurance covers veneers can be a tricky endeavor, but it’s an essential step for anyone considering this popular dental procedure. Veneers can transform your smile and boost your confidence, but they often come with a hefty price tag. So, let’s dive into the world of veneers and insurance coverage.

What Are Veneers?

Veneers are thin shells, typically made of porcelain or composite resin, that are custom-made to cover the front surface of teeth. They are designed to improve the appearance of your teeth, providing a more aesthetically pleasing smile. There are two main types of veneers:

Porcelain Veneers

Porcelain veneers are highly durable and resist staining better than composite veneers. They are custom-made in a dental lab and can last anywhere from 10 to 15 years with proper care.

Composite Veneers

Composite veneers, on the other hand, are made from a tooth-colored resin that is applied directly to the teeth. While they are less expensive than porcelain veneers, they typically last between 5 to 7 years and may be more prone to staining.

The Cost of Veneers

The cost of veneers can vary widely depending on several factors:

  • Material: Porcelain veneers are more expensive than composite veneers due to their durability and natural appearance.
  • Dentist’s Experience: Highly experienced cosmetic dentists may charge more for their expertise.
  • Geographic Location: Dental costs can vary significantly based on where you live.

On average, you can expect to pay between $800 to $2,500 per tooth for veneers.

Why People Get Veneers

People choose to get veneers for various reasons, including both cosmetic and medical purposes.

Cosmetic Reasons

Many people opt for veneers to correct aesthetic issues such as stained, chipped, or misaligned teeth. Veneers can provide a uniform, bright smile that enhances overall appearance.

Medical Reasons

In some cases, veneers are used to protect teeth that are worn down or to repair teeth that have been damaged. However, these situations are less common.

Insurance and Dental Procedures

Understanding how dental insurance works can help clarify whether veneers might be covered.

General Overview of Dental Insurance

Dental insurance typically covers preventive care (such as cleanings and X-rays), basic procedures (like fillings), and major procedures (such as crowns and bridges). However, cosmetic procedures are often not covered.

Difference Between Medical and Dental Insurance

Medical insurance covers treatments deemed necessary for overall health, while dental insurance focuses on oral health. Cosmetic procedures, like veneers, usually fall outside the scope of both.

Are Veneers Considered Medically Necessary?

For an insurance company to cover a procedure, it often must be considered medically necessary. Medically necessary procedures are those required to treat a specific health condition or to restore function.

In rare cases, veneers might be deemed necessary, such as when they are used to repair damaged teeth or to prevent further oral health issues. However, these situations are exceptions rather than the rule.

Does Insurance Cover Veneers?

Standard dental insurance policies usually do not cover veneers because they are considered cosmetic procedures. However, there are some exceptions and special cases where insurance might provide partial coverage.

Insurance Plans That Might Cover Veneers

While most insurance plans exclude veneers, some comprehensive and premium dental plans might offer partial coverage. Employer-sponsored plans may also have more generous benefits.

Comprehensive Dental Plans

These plans often cover a wider range of procedures, including some cosmetic treatments. It’s essential to review the policy details to understand the extent of the coverage.

Premium Dental Plans

Higher-tier dental plans might offer better coverage for cosmetic procedures, including veneers. These plans typically come with higher premiums but provide more extensive benefits.

Employer-Sponsored Plans

Some employers offer dental insurance plans that include coverage for cosmetic procedures as part of their benefits package. It’s worth checking with your HR department for specifics.

Steps to Check If Your Insurance Covers Veneers

To determine if your insurance covers veneers, follow these steps:

  1. Review Your Policy: Carefully read through your dental insurance policy to see if veneers are mentioned.
  2. Speak with Your Insurance Provider: Contact your insurance company directly to ask about coverage for veneers.
  3. Get a Pre-Authorization: If your dentist recommends veneers for a specific reason, request a pre-authorization from your insurance provider. This can clarify whether the procedure will be covered.

Alternative Ways to Afford Veneers

If your insurance doesn’t cover veneers, there are other ways to make them more affordable:

Payment Plans Through Your Dentist

Many dentists offer payment plans that allow you to spread the cost of veneers over several months or even years.

Dental Savings Plans

Dental savings plans, also known as discount dental plans, offer reduced rates on dental procedures, including veneers. These plans require an annual fee but can significantly lower out-of-pocket costs.

Personal Loans or Credit Options

Taking out a personal loan or using a credit card can help manage the cost of veneers. Some lenders offer loans specifically for medical or dental expenses with favorable terms.

How to Appeal a Denied Claim

If your insurance claim for veneers is denied, you can appeal the decision.

Understanding Why Claims Are Denied

Claims can be denied for various reasons, such as insufficient documentation or the procedure being deemed cosmetic.

Steps to Appeal

  1. Review the Denial Letter: Understand the specific reason for denial.
  2. Gather Supporting Documentation: Collect any additional information that supports the medical necessity of the procedure.
  3. Submit an Appeal Letter: Write a detailed appeal letter explaining why the veneers are necessary and include supporting documents.

Tips for a Successful Appeal

  • Be Clear and Concise: Clearly state why the procedure is necessary.
  • Include Evidence: Attach relevant documentation, such as dental records and letters from your dentist.
  • Follow Up: Contact your insurance provider to ensure they received your appeal and inquire about the review timeline.

Comparing Insurance Plans

Comparing Insurance Plans

When looking for an insurance plan that might cover veneers, consider the following features:

Key Features to Look For

  • Coverage for Cosmetic Procedures: Some plans may offer partial coverage for veneers.
  • Annual Maximums: Check the maximum amount the insurance will pay per year.
  • Network Dentists: Ensure some in-network dentists perform veneers.

Best Plans for Cosmetic Dentistry

Research and compare plans specifically designed to cover cosmetic dental procedures. Some premium plans and employer-sponsored plans may offer better coverage options.

The Importance of a Healthy Smile

A healthy smile goes beyond aesthetics. It can have significant psychological, social, and professional benefits.

Psychological Benefits

A bright smile can boost your self-esteem and confidence, making you feel better about yourself.

Social and Professional Impacts

A great smile can positively impact your social interactions and professional life, making you appear more approachable and confident.


In summary, while veneers are primarily considered cosmetic and not typically covered by insurance, there are exceptions and ways to potentially get some financial assistance. Reviewing your insurance policy, exploring alternative financing options, and understanding the appeal process can help you navigate the costs of veneers. Investing in your smile can yield significant personal and professional benefits, making it a worthwhile consideration for many.


1. Are there any dental insurance plans that cover veneers?

Yes, some comprehensive and premium dental plans may offer partial coverage for veneers. It’s important to review the specifics of each plan to understand the extent of coverage.

2. Can I get veneers for medical reasons?

In rare cases, veneers might be considered medically necessary, such as for repairing damaged teeth or preventing further oral health issues. Insurance may provide partial coverage in these situations.

3. How can I reduce the cost of veneers?

You can reduce the cost of veneers by exploring payment plans through your dentist, joining dental savings plans, or using personal loans and credit options to manage expenses.

4. What’s the difference between porcelain and composite veneers?

Porcelain veneers are more durable and stain-resistant, lasting 10 to 15 years, while composite veneers are less expensive but typically last 5 to 7 years and may stain more easily.

5. Is it worth investing in veneers?

Investing in veneers can be worth it for many people due to the significant improvement in smile aesthetics and the associated psychological, social, and professional benefits.

To learn more about insurance coverage for dental implants, check out our article, ARE DENTAL IMPLANTS COVERED BY INSURANCE?

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