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What dental insurance companies cover cosmetic procedures?

i am a retired Independent Insurance Broker with 23 yrs experience & a retired CPA & CFP & LUTCF also--no insurance company will EVER cover a routine cosmetic procedure, unless it is beneficial to your health, and not done for cosmetic reasons only-a good group policy MIGHT pay for a cap for a molar tooth, if the tooth would be saved, by not doing any more fillings on it-each filling cuts away more of the tooth, and eventually, the tooth might crumble ! if a cap would be paid for, they would pay for a gold or metal cap, without a porcelin cover-the porcelin would be considered cosmetic-you could pay the difference for the porcelin cover, if you wanted to--the reason cos could not cover cosmetic procedures is simply this--if they did cover cosmetic procedures, many folks would have elective cosmetic work done, which is not figured actuarilly in setting the premium rates, because this could not be estimated in advance-the number of cosmetic procedures to be done, that is, and since the premiums are not set high enough to cover cosmetic work, THE COMPANIES WOULD ALL GO OUT OF BUSINESS, SINCE THERE WOULD NOT BE ENOUGH PREMIUM INCOME TO PAY ALL THE ELECTIVE CLAIMS-PURE & SIMPLE--NOT ENOUGH PREMIUMS TO PAY ALL THE ELECTIVE CLAIMS--THESE CLAIMS COULD NOT BE ESTIMATED IN ADVANCE, AND THE PREMIUMS RAISED ACCORDINGLY, TO COVER THE CLAIMS--IF THAT WERE POSSIBLE, THE PREMIUMS WOULD BE SO VERY HIGH, NO ONE COULD AFFORD THE POLICY, TO BEGIN WITH-- I hope this explains my answer, and your question also- if i may be of further help, please holler back at me..good luck to you...

Insurance companies, whether it is Dental or Health insurance, don't like to cover any procedure that is elective. However, there are some exceptions, though they are few and far between. If a cosmetic procedure is being done because it will help a person's health or will prevent a problem in the long run, they might be willing to cover it, though you pretty much have to cross your fingers, because those cases are very rare.

The best way to find out is to contact your insurance company.
I've worked in an Oral Surgeon's office (who does cosmetic procedures) for 10 years, and I have yet to see a patient's cosmetic procedure covered by insurance.
There is no insurance company like that. The only option I can think of is the FSA, that will give you before tax dollars.
If your NEED for cosmetic surgery is the result of an accident, it may be covered. Check your health insurance policy or call your agent.
I agree with the other responses - regular insurance does not cover elective/cosmetic surgery. HOWEVER, I highly recommend looking at a "discount dental plan". It is just like getting the contract discount, without paying for the high cost of insurance (if it did cover it).

Please consult the Department of Insurance in your state. Any company markeing this product has to register with the state. In Illinois - it is right there on the front page.

Best of luck!
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