Teeth whitening form a part of cosmetic value; so many insurance companies do not cover it. The very nature and principle of insurance companies is to cover only health risks that are contingencies and uncertain and not those that are certain like the whims and fancies of people to improve their personal appearance. It is supposed that insurance companies would have to raise their premium considerably if they had to cover the growing interest of cosmetic procedures that has gathered momentum in the recent days.
Some factors that could affect the coverage of your teeth whitening by your insurance are:
1) There are different types and policies of insurance that can cover different aspects of your dental care, such as preventive, basic, major, or cosmetic. Each one has its own advantages and disadvantages, and may require different deductibles, co-payments, or limits to cover your expenses. The more comprehensive and inclusive your policy, the more likely it is to cover some or all of your teeth whitening costs.
2) If you need to whiten your teeth for medical or health reasons, such as to treat a disease or an injury that caused your teeth to discolor, your insurance may cover some or all of your teeth whitening costs. However, if you want to whiten your teeth for cosmetic or personal reasons, such as to improve your appearance or confidence, your insurance may not cover any of your teeth whitening costs.
3) There are different types and methods of teeth whitening, such as in-office bleaching, at-home bleaching, laser whitening, zoom whitening, etc. Each one has its own advantages and disadvantages, and may require different equipment and materials to perform. The more advanced and effective the procedure, the more expensive it could be. Your insurance may cover some or all of your teeth whitening costs depending on the type and method of the procedure you choose.
4) Depending on where you live and where you get your teeth whitening done, your insurance may cover some or all of your teeth whitening costs. Generally, urban areas tend to be more expensive than rural areas, and well-known clinics tend to charge more than lesser-known ones. However, this does not mean that you should compromise on quality or safety. You should always look for a reputable and experienced dentist who can perform teeth whitening safely and effectively.
So, there is no definitive answer to how much insurance covers teeth whitening. It depends on many factors that are unique to each individual and each insurance company. However, if you follow some tips and tricks to find out if your insurance covers teeth whitening, you can save some money on this procedure.
Some tips and tricks to find out if your insurance covers teeth whitening are:
->> Read your insurance policy carefully and look for any clauses or exclusions that relate to teeth whitening or cosmetic dentistry. If you are not sure or have any doubts, contact your insurance company and ask them directly.
->> Consult with your dentist and ask them about the benefits and risks of teeth whitening, as well as the expected outcome and maintenance. Ask them for a detailed estimate of the cost of the procedure and how much they charge for each session or material.
->> Compare the cost of the procedure with the coverage of your insurance policy and see how much you will have to pay out-of-pocket. If you think it is too expensive or not worth it, look for other options or alternatives that can whiten your teeth without breaking the bank.
->> Negotiate with your dentist or insurance company and see if they can offer you any discounts or deals that can lower the cost of the procedure or increase the coverage of your policy.