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People often ask how much do dental veneers cost with insurance.

Unfortunately, most dental plans classify veneers as a cosmetic procedure and cover nothing as a result. Therefore, you may have to pay the entire amount out-of-pocket – unless you can convince the insurance company that the need arose from decay, disease, or an injury.

Your dental insurance will cover only a portion of the costs if you need veneers for restorative (not cosmetic) reasons. Elements such as deductibles and annual maximums limit what the plan pays.

Financing allows for monthly payment plans to spread the remaining costs over time. However, patients with bad credit will have one less no credit check option. Cosmetic needs negate the use of a flexible spending account.

Paying for Dental Veneers on Finance

Paying for dental veneers on finance can spread out installments for the dental veneer costs leftover after insurance. Smaller monthly payments (versus one large upfront lump sum) make it more comfortable for patients to get the smile they want.

Request a loan to finance dental work here. If approved, the lender will deposit the funding into your checking account. Having the money that you control allows you to choose the provider with the best prices or with a reputation for quality work.

Payment Plans

Dentists that offer monthly payment plans for veneers typically refer patients to third-party finance companies. Most practices want to focus on their specialty – restoring smiles and self-confidence. They want nothing to do with underwriting, billing, and collections.

Therefore, most dentists work with third-party companies who do the dirty work. If approved, the funding goes directly to the practice rather than your checking account. Having the dentist control your money is the primary drawback to payment plans. It limits your choices.

In the end, the patient makes monthly payments to the finance company rather than the dentist. The history may appear on your consumer report. If you fall behind, expect the adverse history to hurt your credit score.

Bad Credit

Financing veneers with bad credit could mean having one less option compared to other dental work. The preferred option (Flexible Spending Account) is off the table if the purpose behind the procedure is purely cosmetic (rather than restorative).

  • No credit check personal loan companies often approve bad credit patients without pulling a copy of their consumer report. Instead, they may consider alternate sources of financial data and rely more on income and employment history. Be prepared to verify your identity with a bank account and routing number and your driver license number.
  • Flexible Spending Accounts (FSA) provide financing for bad credit patients without a credit check – while also reducing the taxes owed. However, you can only use an FSA for restorative work. Cosmetic procedures are not eligible for reimbursement. You could lose your annual election if the administrator rejects your claim.

Does Dental Insurance Cover Veneers

Your first step is determining whether your existing dental insurance covers veneers. In general, most plans will not honor claims unless the work is restorative. Also, you can buy supplemental coverage with an optional cosmetic rider. However, the supplemental policy will include a long waiting period.

Start with a range of per tooth veneer cost estimates without insurance. Then multiply by 4 to forecast spending for your front teeth, and by 32 for a full-mouth overhaul.

LowHigh
Composite$250$1,500
Porcelain$500$2,500
Lumineers$800$2,000

Finally, determine what your plan might cover and pay and subtract that figure. Budget accordingly. Then skip down to the section on financing if you need help with funding the leftover amount.

Porcelain Veneers

The cost of porcelain veneers with existing dental insurance can range widely based on whether the need is cosmetic or restorative. The plan will cover a portion of the expense for restorative work but nothing for cosmetic procedures.

  • Medically Necessary: work needed due to tooth decay, disease, accident, injury, or used for purposes other than aesthetics, such as to replace missing teeth or alter mechanics of the patient’s bite
  • Cosmetic Only: the procedure exists solely for enhancing the aesthetics of the person’s smile or the underlying tooth or the tissue is not injured, impaired, or decayed

The cost of veneers with a new dental insurance policy may have to factor in waiting periods.  Many plans pay nothing until a set period elapses, or graded benefits reduce the claim amount.

Average Cost

The average cost of veneers with insurance is impossible to pinpoint – even for restorative work alone. Each plan has different cost-sharing features that affect what you must pay out-of-pocket.

  • Deductible: Amount the patient self-funds before benefits begin each year
  • Coinsurance: Percentage of the allowed amount the patient owes
  • Copayments: Fixed fee for every dental appointment or procedure
  • Annual Maximum: limits yearly benefits per person

Have your dentist submit a treatment plan to the insurance company who will respond with a written estimate of benefits. The estimate of benefits will remove all the guesswork about averages and provide several important details about what you must spend for restorative veneers.

  • Submitted amount: the retail price charged to all patients
  • Allowed amount: the wholesale price charged to members
  • Networks savings: the difference between the submitted and allowed amounts
  • Patient owes: the portion of the allowed amount you pay
  • Plan payment: the portion of the allowed amount the company funds

Medicaid

Medicaid covers dental work for adults in some states. Also, the types of services included range widely in each of the states. However, Medicaid will never pay for cosmetic procedures such as porcelain veneers unless medically necessary.

Medicaid is always a health insurance policy and sometimes a dental plan. Therefore, two definitions of medically necessary might come into play when estimating the cost of porcelain veneers with Medicaid.

  • Dental: restorative work needed due to tooth decay, disease, accident, injury, or used for purposes other than aesthetics, such as to replace missing teeth or alter mechanics of the person’s bite
  • Medical: dental care arising from non-biting accidents, certain diseases, and treatments deemed integral to other included services.

Supplemental Insurance

Supplemental dental insurance has an optional rider that will cover cosmetic procedures including veneers. However, the rider has a 24-month waiting period before benefits begin. Therefore, you should include 24 months of premiums into the cost equation.

Supplemental coverage pays a fixed amount per procedure – regardless of what your dentist charges. Simply subtract the fixed claim payment amount from the provider and laboratory fees to arrive at the per-tooth cost with supplemental dental insurance – after factoring in the premiums.

ADA CodeProcedureAmount
D2960Laminate Veneer Chairside$200
D2961Resin Veneer Laboratory$200
D2962Porcelain Veneer Laboratory$200

As you can see, this insurance rider covers only a small percentage of your costs. In addition, the rider has a $600 annual maximum, and a $1,800-lifetime limit. In other words, you are on your own -mostly.

Discount Plans

Dental discount plans can reduce the cost of porcelain veneers without insurance. Discount programs have a network of participating providers that agree to perform work at reduced rates. However, these arrangements are not insurance. A third party company is not paying claims on your behalf.

You might have found discount plans online after clicking through on an ad touting dental insurance covering cosmetic services. The marketing company knows that patients search for this product, but rarely find what they are looking for. Therefore, they play a crafty game of bait and switch. Be on guard.

Sources:

  1. LoveThatSmile
  2. Authority Dental
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