Cosmetic dentistry is focused on the overall appearance of your teeth and gums. These treatments are often elective and are designed to raise your confidence rather than treat something crucial to your health. They can be expensive, and paying out of pocket can be a significant financial burden. However, insurance can help alleviate this financial strain, but only for a few cosmetic procedures.

Most dental insurance plans prioritize medically necessary treatments. If cosmetic treatment has a functional benefit, it could be partially covered. However, most procedures remain outside of standard coverage.

Carefully review your insurance plan and discuss your options with your dentist. This will help you work toward the smile you have always wanted while navigating your choices and managing costs. Let us look at the cosmetic dental procedures covered by insurance in more detail.

Dental Implants

Dental implants are a reliable, long-lasting solution for missing or damaged teeth. These implants have titanium posts surgically placed into the jawbone and used as artificial tooth roots. As time passes, the bone fuses to the titanium, allowing prosthodontists to attach a crown, bridge, or denture to a stable foundation. Dental implants not only improve the function of your smile but also improve your smile’s aesthetic appearance.

Types of Dental Implants

There are several types of dental implants available that cater to various needs. These include:

  • Endosteal implants — These are the most commonly used implants. The titanium posts are placed directly into the jawbone and then fused with the bone.

  • Subperiosteal implants — These implants are often used when bone density is insufficient for an endosteal implant. They sit on top of the jawbone but underneath the gum tissue. Custom metal frames hold replacement teeth with posts that protrude through the gums.

  • Zygomatic implants — Dentists will opt for zygomatic implants if you have severe bone loss. These implants are anchored in the zygomatic bone (cheekbone) rather than the jawbone. They require specialized techniques and may eliminate the need for bone grafting.

  • All-on-4 implants — The All-on-4 method uses four implants to support an entire arch of artificial teeth. Since it uses less bone grafting, these implants benefit patients who have lost most or all of their teeth.

If you plan to have dental implants, be aware they can be costly. They can range from $1,500 to $7,500 per implant. The total cost depends on factors including the number of implants, the complexity of the procedure, and whether an additional treatment, like a bone graft, is needed. Implants may be expensive upfront, but they are considered a long-term solution that can last decades if properly cared for.

Many dental insurers prioritize medically necessary procedures, so coverage for implants can be limited. Some plans can cover part of the cost if you need implants to prevent future dental problems like infection or tooth loss. However, many implants are considered cosmetic or elective, meaning they may not be covered in full.

If you are considering implants, familiarize yourself with the details of your insurance coverage, as policies differ. If your plan offers insufficient coverage, financing options and dental savings plans will help you pay for them.

Dental Fillings

Restoring teeth damaged by decay or trauma requires dental fillings. When cavities form, the decayed part of the tooth is removed, and the tooth is filled. This prevents further damage, preserves the tooth’s function, and protects it from infection.

Several fillings are available, each suited to specific needs and preferences. Your dentist could recommend:

  • Amalgam fillings — These fillings are a mixture of metals like silver, mercury, tin, and copper. They are known to be strong and very durable. They are ideal for use as back teeth because the teeth are subjected to a great deal of chewing force. Although durable, their silver color makes them noticeable in the mouth.

  • Composite fillings — Composite fillings are tooth-colored, which is why they are popular. They are made from a blend of resins and fine glass particles, providing a more aesthetic appearance than amalgam fillings. However, they do not last as long in high-pressure areas like the back teeth.

  • Porcelain fillings — These fillings are also referred to as inlays and onlays. Durable porcelain material is used to make porcelain fillings. These fillings are stain-resistant and often used for larger cavities or cosmetic reasons because they look natural. However, they are more expensive than composite or amalgam fillings.

  • Gold fillings — If you want durable and long-lasting fillings, you can opt for gold fillings. They are a good choice for back teeth. Because of their gold color, they are less discreet, but their unmatched durability makes them a favorite.

  • Glass Ionomer fillings — Glass ionomer fillings are made from glass and acrylic combined and release fluoride, which protects the tooth from further decay. These fillings are best used where teeth do not undergo heavy chewing.

  • Resilon fillings — Resin is a newer material used primarily in root canal procedures. It is a thermoplastic root canal-filling material alternative to traditional materials.

The price of a dental filling varies based on the material used and the procedure's difficulty.

  • Silver amalgam fillings usually cost between $50 and $150

  • The cost of composite fillings ranges from $90 to $250

  • For larger porcelain or gold cast fillings, depending on the material and size of the cavity, these fillings cost from $250 to $4,500

Dental Bonding

Dentists could recommend dental bonding as a cost-effective solution to minor tooth imperfections. This process involves applying a tooth-colored resin to the surface of a tooth, molding, hardening, and polishing it to match the tooth's natural structure. Bonding is an option that allows versatility and can be used for other dental repairs, giving both functional and aesthetic benefits.

Dental bonding is a simple procedure in which a composite resin is applied directly to the tooth. The material is shaped to fit in with the surrounding teeth and then hardened with a special light. Once set, the bonded area is polished to a smooth, natural finish. This technique is used to repair damaged, worn, or discolored teeth and is quick and minimally invasive.

The material is shaped to match the surrounding teeth and then hardened with a special light. Once set, the bonded area is polished to a smooth, natural finish. This technique is quick and minimally invasive and is used to repair damaged, worn, or discolored teeth.

Dental Crown

A dental crown is an easy and popular way to fix severely damaged or weakened teeth. A crown is a custom-made cap placed over the entire tooth to restore the tooth’s shape and size. It also strengthens the tooth and prevents further breaking. This treatment is usually recommended when a tooth has been extensively damaged but cannot be supported by a filling or other restoration and is still worth saving.

A dental crown is a full-coverage restoration that covers the entire visible part of a tooth. Dentists use the crown to replace the tooth’s function and appearance when decay, trauma, or excessive wear has weakened the tooth. Crowns are made out of porcelain, ceramic, or metal alloys to give you some options depending on how durable you want it to be and its aesthetic appeal.

Several situations call for a dental crown, including:

  • Severe tooth decay — A crown is a durable solution for restoring teeth when decay has compromised them to the point that a filling is ineffective.

  • Cracked or fractured teeth — A crown provides the protective strength needed by teeth with cracks or fractures from trauma, grinding, or aging.

  • Post-root canal — After a root canal, teeth can become fragile. The crown protects the tooth and gets it back to functioning in place.

  • Cosmetic enhancements — Crowns can also give discolored or misshapen teeth a smooth, natural appearance.

The material used for a dental crown will affect how much it costs. The least expensive option is resin crowns, which cost about $328. Base metal crowns are more expensive, averaging $821, and porcelain fused crowns are $776. If these costs are out of pocket, these are significant costs to bear.

Dental Veneers

Dental veneers are one of the most popular cosmetic procedures for changing the appearance of your smile. Most insurance plans will not cover all of the cost of veneers, but some may cover part of it if the treatment is for functional problems or medical reasons.

Dental veneers are very thin, custom-made covers for the front of your teeth. They are made from either porcelain or composite resin and help to correct imperfections, including discoloration, chips, or minor misalignment. They are natural and seamless, giving your teeth a better overall look.

The cost of dental veneers depends on the material used, the complexity of the procedure, and the dentist's experience. Porcelain veneers are typically priced between $900 and $2,500 per tooth, while composite resin veneers run between $250 and $1,500.

With proper care, veneers will last 10 to 15 years. Even though they are more prone to staining and chipping, composite resin veneers generally last longer than porcelain veneers. Patients should also schedule regular dental checkups to maximize their lifespan, maintain oral hygiene, and avoid hard foods.

Regular Dental Checkups

Beyond the routine checkups you schedule with your dentist, you will need regular checkups to maintain the results of cosmetic dental procedures and keep your teeth and gums healthy. These visits are usually twice a year, but depending on your needs, you can require more frequent visits.

A routine dental checkup typically costs between $288 and $288, depending on location, dentist expertise, and other treatments. This fee usually covers examining your teeth and gums to detect potential problems early on.

Your dentist will perform several procedures during a checkup to monitor your oral health. These typically include:

  • Cleaning — Regular brushing and flossing may miss plaque and tartar that a professional cleaning removes, preventing decay and gum disease, which can affect your cosmetic dental work.

  • X-rays — Your dentist can use X-rays to determine the condition of your teeth and the underlying bone structure. They can detect potential problems like cavities, infection, or bone loss, which can affect your health in general.

  • Examination — Your dentist will check your teeth, gums, and dental work to ensure all is well. They can see any potential problems and alter them as needed.

Cosmetic Dental Procedures That Insurance Does Not Cover

While some cosmetic dental procedures may be covered by insurance, many are not. Usually, treatments deemed to be medically necessary are covered by insurance. These include restorative treatments to repair teeth that are damaged or decaying. However, cosmetic procedures designed to improve your smile are usually excluded. Some include the following:

  1. Teeth Whitening

Teeth whitening is quite popular, but it is rarely covered by insurance. The price of whitening treatments is determined by how severe the discoloration is and which method you choose, and it can be $200 to $2,000. At-home options are more affordable but do not always deliver the same results as professional treatments.

While cheaper dental treatments outside the $200 to $2,000 range might be tempting, they might not deliver the desired outcome. Moreover, you expose yourself to tooth damage or increased sensitivity risk since the bleaching reagents could be substandard. They could also lack the right equipment. Whitening done by experienced dentists is generally more effective and lasts longer than at home, but it is also more expensive.

Many people are concerned about the cost, but dentists offer payment plans or financing options to help manage the expense. You can talk to your dentist about your options to select a solution that meets your budget and still gives you the best smile possible.

  1. Gum Contouring

Gum contouring is a treatment for reshaping uneven or excessive gum tissue. This procedure usually costs around $350. Gum contouring is primarily cosmetic rather than functional or medical, and despite its potential benefits, it is rarely performed for medical reasons.

This is why most insurance plans do not pay for gum contouring. Insurers consider it an elective procedure unless performed solely due to an apparent medical necessity, like structural problems or disease-related concerns about gum health.

  1. Braces

Braces play a vital role in correcting misaligned teeth. They enhance oral health and appearance and address alignment issues that can interfere with essential functions like chewing, speaking, and maintaining proper hygiene. While braces provide significant benefits, insurance coverage often applies only when medically necessary. Insurers typically require proof that the alignment issues cause substantial functional problems. Treatments performed solely for cosmetic enhancement rarely qualify for reimbursement.

The cost of braces varies based on the type selected. Metal braces remain the most affordable option, ranging from $3,000 to $7,000. Their durability and effectiveness make them a common choice for addressing misalignment. Ceramic braces offer a more discreet appearance, costing between $4,000 and $8,000. These braces blend with the natural color of your teeth, providing an aesthetic advantage without compromising functionality.

For patients seeking nearly invisible options, lingual braces are an excellent choice. They are positioned behind the teeth and offer complete concealment. However, they come at a higher cost, typically between $8,000 and $10,000. Clear aligners, like Invisalign, provide an alternative for those who prefer removable orthodontic solutions. These aligners cost between $4,000 and $7,400 and offer a comfortable, flexible approach to straightening teeth.

  1. Teeth Reshaping (Enameloplasty or Odontoplasty)

Enameloplasty or odontoplasty is a dental procedure that reshapes teeth to enhance their appearance. This intervention focuses on refining the edges, dimensions, or surfaces to create a more harmonious smile. While it does not address significant alignment challenges, it can be an alternative for minor corrections, including small overlaps, chips, or slight misalignments.

The process involves removing minimal enamel to achieve a smoother or more symmetrical contour. This targeted approach ensures that the adjustment is both precise and minimally invasive. Patients seeking subtle but noticeable improvements often find this procedure an efficient and effective solution.

The cost of teeth reshaping varies depending on the complexity and extent of the work, typically ranging from $50 to $300 per tooth. Since it is primarily a cosmetic treatment, insurance policies rarely cover it. However, exceptions may apply if the reshaping corrects damage from accidents or injuries.

Find a Cosmetic Dentist Near Me

Once you have discussed your dental needs with your dentist, contact your insurance provider to find the coverage details. Knowing whether the recommended procedure is included in your plan and the limits of your benefits can help you avoid unexpected financial surprises. This information is helpful since many cosmetic procedures are not fully covered.

If your insurance does not cover the whole cost, ask your dentist about payment plans or financing available. Many dental practices can provide flexible solutions to help you manage the expenses while you get the care you need.

Contact South Coast Dentistry at 949-274-9086. Our dedicated Aliso Viejo team will help you find treatment options, investigate financial options, and receive the best care possible. Schedule your consultation today with us and start moving closer to having a healthier, more confident smile.