Does Dental Insurance Cover Cosmetic Dentistry?

In this video, Drs. Karen Bacerra Penagos and Myrna Aguilar explain why cosmetic care is treated differently by insurance, and how patients can still access the smile improvements they want.

Dental insurance typically does not cover cosmetic dentistry because it is considered elective and not related to function. Cosmetic treatments focus on appearance rather than restoring how the teeth function.

Even though cosmetic procedures are not usually covered by insurance, we do offer financing options in our office. These options allow patients to move forward with the treatment they want without relying on insurance coverage. We provide several flexible alternatives to help make cosmetic care convenient and affordable based on each patient’s needs.

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Our free implant consultation includes a full evaluation, 3D CBCT scan, clinical photos, treatment planning, and a discussion of costs and payment options in the same visit. A doctor reviews your health history, explains your scan results, and recommends the most suitable implant option for your needs.

Before you leave, you receive a clear plan, timeline, next steps, and transparent cost breakdown. Our financial coordinators outline practical payment and financing choices so you can select an option that fits your budget. This visit gives you answers and a plan you can act on.

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