Does Health Insurance Cover Veneers

Veneers enhance smiles, especially for teeth resistant to whitening or with underlying issues.

Despite the cost, they offer a great solution.

When opting for veneers, it’s vital to explore insurance coverage options and ensure medical qualifications.

This article specifically delves into obtaining insurance for veneer costs.

Health Insurance For Veneers: Photo courtesy (

What are Veneers?

Dental veneers, thin coatings placed over teeth, come in porcelain and composite resin types, perfect for improving appearance and correcting issues like stains, chips, gaps, and misalignment.

However, they require healthy enamel and gums.

Regular dental hygiene is crucial. Avoid if you grind teeth, as veneers may chip.

Consult your dentist; if veneers aren’t suitable, alternatives like teeth whitening or braces can address cosmetic concerns.

Types of Veneers

Dental veneers, made of porcelain or composite resin, usually require extensive preparation, involving grinding down and removing parts of the tooth, often beyond enamel, which can be irreversible and uncomfortable.

No-prep veneers, an alternative, require minimal tooth modification for installation.

The extent of preparation depends on dental issues and the number of affected teeth, with minor modifications in the case of no-prep veneers.

Veneers made of porcelain

Some dentists will start by grinding down your teeth and then taking an impression of them to create a mold.

The mold will then be sent to a lab where the porcelain veneer will be created.

When the veneer is complete, your dentist will bond it to your prepared tooth.

Temporary veneers can be utilized until the permanent veneers are returned from the lab.

Meanwhile, other dentists may employ CAD/CAM technology, which allows a computer to build the veneer.

Your dentist can create the veneer right in the office.

Veneers made of composite resin

If you choose composite resin veneers, your dentist will etch the surface of your prepared tooth before putting a thin layer of the composite material.

You may require additional layers of the composite to create the desired look.

Your dentist will then use a special light to cure, or harden, the composite veneer.

Veneers with no preparation

These include alternatives like Lumineers and Vivaneers, which are porcelain veneer brands. They are less time-consuming and less intrusive to apply.

No-prep veneers simply affect the enamel and do not remove layers of teeth beneath the enamel. In many circumstances, no-prep veneers do not necessitate the use of local anesthetics or temporary veneers.

How Much do Veneers Cost?

The cost of veneers depends on several factors.

The number of veneers needed greatly influences the total expense.

Getting veneers for all front teeth is costly, but for one or two teeth, it’s more manageable.

Health insurance for Veneers
Health insurance for veneers: Photo source (

Veneers are custom-made to match your existing teeth’s color.

The choice of material matters too: porcelain is pricier but lasts longer, while resin is cheaper but less durable.

Porcelain veneers range from $1500 to $4000 per tooth, while resin veneers cost around $500 to $1500.

Does Insurance Cover the Cost of Veneers?

Veneers are often seen as cosmetic and may not be covered by regular insurance.

However, some dental insurance companies offer partial coverage, ranging from 30 to 50 percent.

They view veneers as preserving tooth structure and addressing potential dental health issues caused by degradation, chipping, or decay.

How Does Health Insurance Cover Veneers?

While dental veneers greatly enhance smiles, insurance might not cover them if deemed elective.

However, if teeth are damaged or extracted due to accidents or health issues, insurance is likely to cover veneer costs.

Insurance Coverage for Veneers Replacement

Insurance coverage for veneers depends on your situation.

Replacing old veneers is more likely to be covered than getting new ones without medical necessity.

While coverage varies, taking proactive steps can improve your chances of getting insurance reimbursement for the procedure.

Taking Part in Early Research

Check online to see if your health insurance covers dental veneers.

Full-service dental plans might offer financial help.

Research your insurance company’s history with veneer payments for better coverage chances.

Highlight how veneers improve your overall health or address oral health issues to support your claim.

Finding Dental Plans with Full Coverage

Certain insurers cover replacement veneers but not the first procedure.

If you’re replacing old veneers, you might get assistance.

For first-time veneer seekers, coverage might not change. Finding reimbursement depends on various factors.

If your current insurance denies coverage, consider switching to a plan that covers veneers.

Some insurers offer full veneer coverage, albeit at a higher premium. Your choice depends on your finances and long-term insurance needs.

Evaluating Your Options

Consult your current healthcare provider before exploring new dental insurance options, especially if you have a long history with them.

Even if veneers aren’t fully covered, sticking with your current insurer and paying out-of-pocket might be worthwhile.

Research carefully to find the right insurance provider or dental plan.

With patience and study, you can find a company willing to assist with your veneer costs and maintain your confident smile.

What Type of Insurance Covers Veneers?

Dental Savings Plans offer affordable veneers and reduce dental care costs.

Unlike insurance, these plans have no annual spending limit (unlike insurance’s $1,000-$1,500 limit) and activate quickly (unlike insurance’s 6-month waiting period for restorative treatment).

You can start saving immediately and enjoy discounts of 10-60% on various dental treatments from a large network of dentists.

Some of the  insurance companies that cover veneers include:

  • Aetna
  • Delta
  • Cigna
  • Guardian
  • Anthem Blue Cross
  • Blue Shield
  • Principal
  • Humana
  • Melife
  • United Health Care

Are Dental Veneers Worth It?

The advantages of veneers exceed the disadvantages.

The main advantage is that they greatly improve the appearance of your teeth.

You’ll have a more even, confident grin, which can make a big impact on your quality of life.

Are Veneers High Maintenance?

Porcelain veneers are a low-maintenance treatment for those who have a range of tooth problems, such as cracked teeth, chipped teeth, or missing teeth.

They require little maintenance and can endure for years once applied.

Can You Go back To Normal Teeth After Veneers?

Veneers are permanent and require the preparation of your natural teeth (mild shaving).

You cannot return to your original teeth after you have received them.


Insurance typically covers the fitting and attaching of dental crowns to a certain extent, offering financial relief to patients.

However, most policies cover only 50% of basic crowns with a cap of around $2000 per year.

Costs beyond this limit, including upgrades and materials like impression wax, must be paid by the patient.

Veneers, costing between $1800-$2500 each, can add up significantly.

Some dentists require a minimum of 6 veneers and prefer working with 10 or more for smile improvement.

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