Dental insurance is wonderful at helping you pay for preventative treatment. Most insurance policies cover most, if not all, of the cost of a routine cleaning. They also tend to cover your routine x-rays as well. However, when it comes to cosmetic dentistry in Gouverneur, NY, insurance companies can be a little more restrictive with their coverage. Even if a cosmetic treatment is recommended for a restorative reason, you may have trouble getting insurance to cover the cost. However, that doesn’t mean you have to miss out on getting the treatment you need.
Getting Insurance Coverage for Cosmetic Dentistry in Gouverneur, NY
Many dental treatment plans can be costly. Dentists use high-quality materials and expensive technology to help provide the best treatment for their patients. Unfortunately, this can leave the patients with some high out-of-pocket costs. While you may be able to benefit from getting a less-cost treatment, you can still find ways to finance the treatment that’s best for your oral health. If you’re concerned about the cost of treatment, talk to your dentist to see what your options are.
Partial Coverage for Restorative Treatment
While cosmetic dentistry is often used to improve the look of your smile, many treatments can also be used to help restore damage. When cosmetic treatment helps protect and preserve your tooth after a fracture, decay, or malocclusion, there’s a better chance you could get partial insurance coverage. How much your insurance will cover depends on your policy and the narrative on the claim sent in. Your dentist can help you submit a pre-authorization to see how much financial reimbursement you can expect.
It’s also important to note that cosmetic treatment coverage for restorations only applies to work done on a damaged tooth. If you are getting additional cosmetic work done, your insurance will likely not cover the added treatment.
Third-Party Lenders
If your insurance will not cover the cost of treatment, or if you still can’t afford treatment after coverage, you may still be able to get the treatment you need. Many dental offices work with third-party lenders, such as CareCredit, to help patients finance their dental treatment.
Phased Treatment Plans
Another option may be to split your treatment into various ‘phases’ that you can pay and complete as you have the money. For example, say you’re getting a full set of veneers. You and your dentist can work out a treatment schedule that fits within your budget. You can spread out your appointments, getting only two or four veneers at a time to start improving your smile as you can fund it.
If you’re unhappy with the look or feel of your smile, Dr. Nicholas Gardner could be able to help. Call our office today at (315) 203-1772 to schedule a consultation and learn more about our cosmetic dentistry options. After examining your mouth and discussing your cosmetic goals, Dr. Gardner can create a personalized treatment plan designed to help improve your smile.