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Veneers insurance
A natural and beautiful smile is one of the most important features for many people. So it’s no wonder that many want just such a smile. Not everyone has the privilege of having genetically healthy and straight teeth. However, with the wafer-thin veneers also called veneers, it is possible for everyone to get a very beautiful smile.
There are many things to consider when purchasing veneers. You need to find out which type of veneers suits you and what the cost will be. Statutory health insurance kicks in for crowns or other dental procedures, but what about veneers?
Table of contents
Does the public insurance pay for veneers?
Regardless of what type of veneers it is or what the costs are, the public health insurance does not cover the costs in most cases. This is because the purchase of veneers is often done for aesthetic reasons. The health insurance only covers costs that have medical reasons. The reason for this is that health insurance companies do not want to spend money on treatments that are not necessary for health reasons.
However, there are some exceptions. In advance it can be said that the insurance of veneers depends very much on the individual patient and you should be in close communication with your treating doctor and the insurance company if you want to have a chance of getting the costs covered.
Will supplementary dental insurance pay for my veneers?
Anyone who wants to cover the purchase of veneers should think about private supplementary dental insurance. There are many insurance companies with a wide variety of rates. It is true that there is no one best supplementary dental insurance. You should check with comparison portals about the different conditions and choose a suitable one. The important thing is that you are protected from high additional payments. Also, you should know in advance the prices of the treating practice.
Even with private insurance, the costs are usually only covered if it is a medical treatment. There are supplementary dental insurances that cover up to 100% of the costs, but this is only possible if the dentist can justify an added medical value.
What are medical reasons for covering the cost of my veneers?
Veneers can be purchased for many reasons. However, when it comes to having the cost covered by insurance, the justification for the purchase is of great importance. Whether conventional veneers or Lumineers, there are many medical reasons that justify bonding veneers.
In these cases, veneers can be medically justified:
- Treatment of enamel defects
- Structure of broken teeth
- Repair of a superficial enamel crack
- Tooth erosion repair
- Enamel hypoplasia
- Repair of grinding damage (build-up of worn / abraded anterior teeth)
If, on the other hand, you have other reasons, such as slightly crooked front teeth, a gap between the incisors, discoloration of the incisors or long-term teeth whitening, the chances of the costs being covered are slim.
More tips for covering the cost of veneers
If you are trying to obtain insurance coverage for your veneers, there are a few things you should keep in mind. Veneers treatment must not have been started or planned before the insurance starts. In cases where treatment is already underway, no supplemental insurance will cover the cost. It is, of course, permissible to look into the issue, but you should wait until you have the green light from your insurance company before taking the first steps toward treatment.
Overview
- Statutory health insurance companies cover the costs only in very rare cases
- Supplementary insurances usually cover the costs only in case of medical reasons
- The purchase of veneers is very individual and in any case you should have discussions with your insurance company.
- The insurance must be concluded before the start of treatment, otherwise no costs will be covered
In our Veneers Magazine you will find everything you need to know about veneers.