The type of insurance plan you have plays a significant role in the cost of veneers dental. Most health or dental insurance plans exclude cosmetic treatments, like veneers, but there are pathways to potentially get coverage or financing help for this treatment.
Most standard dental insurance plans do not cover veneers because they are a cosmetic treatment. But, there are ways to minimize the costs of getting veneers, including using a CareCredit credit card.
1. Dental Insurance
For instance, if your veneers are deemed medically necessary by your dentist, they may be covered. In other cases, if you choose an in-network provider for your care, the insurance company will likely have pre-negotiated rates that can lower your out-of-pocket costs.
Similarly, dental credit cards that offer 0% APR can help with financing the cost of dental veneers. The location of your dental clinic can also impact costs, since prices tend to vary by region based on the local cost of living. In addition, most dental insurance policies have annual maximums for coverage. Reviewing your annual maximum and ensuring that you don’t exceed it can help to manage expenses. It’s essential to talk to your dentist about these financial considerations at your initial consultation to ensure that you understand the full scope of your potential investment.
2. Financing
If you don’t have dental insurance or aren’t able to afford the full cost of veneers, you can ask your dentist about financing options. Most cosmetic dentistry offices offer monthly payment plans that allow you to pay for your procedure over time rather than all at once. This is a great way to give patients the smile they want without worrying about how to pay for it.
To prepare your teeth for veneers, a dentist will need to make a mold of them using a tray, a digital impression, or another method. Depending on the type of veneer you choose, your dentist may also need to remove a small amount of enamel. Some veneer options, such as Lumineers, require little or no reshaping and are known as no-prep veneers.
Even though porcelain veneers are stain resistant, your dentist may still recommend that you avoid certain foods and drinks that can cause them to fade over time. And, since they aren’t a permanent fix, you will need to replace your veneers at some point in the future.
3. Dental Lab Fees
The number of veneers you need and the material type will have an impact on cost. Composite veneers tend to be cheaper than porcelain but will not last as long. Porcelain is more expensive but offers superior durability and resembles the look of your natural teeth.
The location of the veneers makes a difference as well. Your dentist will likely recommend that you have all of the front teeth done for optimal cosmetic results. This will require six to eight veneers per tooth and can be more costly.
Fortunately, there are many ways to help make this dental procedure more affordable. Many dentists offer in-house payment plans with low or no interest rates, while third-party financing options like CareCredit allow patients to pay off their veneers over time. In addition, proper budgeting and saving can help to reduce the overall cost. You can also consider a dental savings plan which, in exchange for a monthly or annual membership fee, provides discounted services from in-network providers.
4. Additional Procedures
In addition to the cost of the actual veneers, you may need additional procedures to prepare your teeth and to ensure that your veneers fit well. For example, if you have tooth decay or gum disease, these issues need to be treated before applying veneers. These treatments also come with a cost.
Another factor that can influence the cost of your veneers is the cosmetic dentist you choose. Cosmetic dentists with specialized training and a good reputation typically charge more. Their location also plays a role; dental clinics in upscale urban areas often have higher prices.
Cheaper veneers are available, but they lack durability and can damage the underlying tooth structure. They also tend to look bulkier and less life-like than porcelain veneers. If you’re interested in getting veneers, schedule a consultation with our cosmetic dentistry team today to determine the best type of veneers for your smile goals and what financing options are available.