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Blog – O’Fallon, MO

Does insurance cover cosmetic dentistry?

November 1, 2022

Some insurance plans cover cosmetic dentistry procedures, but most don’t. Traditional insurance plans focus on medically necessary strategies. The dental office in O’ Fallon, MO, offers a variety of payment plans to help patients get a beautiful smile.

Procedures in cosmetic dentistry that insurance usually doesn’t pay for

Cosmetic dentistry is the procedure that makes the teeth look better but may not be considered medically necessary. Most of the time, these procedures are not covered by dental insurance, even though they can help improve a person’s smile and oral health. Some of the most common cosmetic dentistry procedures that most insurance companies don’t cover are:

  • Tooth shaping: 

Changing the shape of one or more teeth can make a smile look better and may help with hygiene, which lowers the chance of getting cavities.

  • Teeth Whitening

Whitening the teeth get rid of stains, yellowing, and other discolorations.

  • Veneers:

These covers for existing teeth can improve a person’s smile and eliminate gaps and other flaws that can make it hard to keep the teeth and gums clean. Dentists will use them for cosmetic reasons.

It’s important to know that some dental insurance plans don’t cover cosmetic dental procedures, while others may cover specific functions, depending on the situation. Your nearby dental office will find out the details of your insurance coverage so they can give you the information you need to make decisions about your oral health that are in your best interest.

What is considered medically necessary cosmetic dentistry treatment?

The American Dental Association puts crowns, veneers, bridges, bonding, and braces in cosmetic dentistry, even though they are medically necessary. Some of these procedures can be done by a general dentist, but patients in O’Fallon, MO, may want to go to a cosmetic dentist instead because they specialize in them. These cosmetic treatments fix problems like diseased, broken, or missing teeth, gum infections, or teeth that have moved because of an injury or accident. All these things restore the function of the teeth and improve oral health as a whole. The best way to figure out if your cosmetic treatment is medically necessary or just for looks is to talk to your dentist.

When does insurance cover cosmetic dentistry?

Thankfully, many aesthetic dental operations help maintain your teeth’ long-term health. Cosmetic procedures may occasionally cover up to 50% of the cost of cosmetic procedures. However, in addition to the aesthetic benefit, the process must typically also have a proven medicinal use.


Studies show over and over that people with beautiful smiles tend to feel better about themselves and enjoy life more. Whether you use insurance or pay out of pocket, a skilled cosmetic dentist in O’ Fallon, MO, can help you keep the cost of your procedures down. Even if you find out you can’t use insurance, the process is often still a good investment in your future.