Can Insurance Cover Veneers – How can I get Veneers Covered by Dental Insurance

Can insurance cover veneers? Dental veneers may be the secret to a more radiant and fuller smile, but their cost can be high. Are you wondering if your insurance will cover some of the expenses?

Dental insurance does not cover veneers because they are frequently regarded as a cosmetic procedure. However, there may be instances in which your dentist and your particular circumstances allow them to prove that the veneers are structurally necessary.

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In this scenario, the insurance company might pay a percentage of the cost, which might provide some financial relief, even though they might not cover the entire amount.  Remember that your needs for oral health, your dentist, and your dental insurance company ultimately determine this. Dental veneers, however, will typically require upfront payment.

Can Insurance Cover Veneers

What are Veneers?

A thin layer covering another surface is called a veneer. In dentistry, veneers are typically used to replace enamel with a thin covering of porcelain.

Often referred to as porcelain veneers, they are incredibly thin, custom-made shells made of tooth-colored material that are intended to cover the teeth’s front surfaces.

In addition to improving your appearance, they help fix little tooth irregularities.

How Much Do Veneers Cost? 

Depending on the type, veneers have an out-of-pocket expense. The cost of permanent veneers varies from $250 to $2,500 for each tooth. Usually, removable veneers run up to $300 or more per arch.

Should you be able to obtain veneer coverage, the cost per tooth could range from $500 to $850.

Factors Affecting the Cost of Veneers

The following factors affect the rates of veneers:

  • The type.
  • The number of teeth.
  • Dentist fees.
  • The location of the dental clinic.
  • The preparation processes.
  • Experience of the dentist.

Additional procedures can also affect the cost.

What Companies Offer Insurance for Veneers

The best companies include:

  • Ameritas.
  • Anthem.
  • Guardian.
  • Humana.
  • Spirit Dental.

These are some reputable companies for dental insurance.

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What are the Benefits of Veneers?

Among the benefits are:

  • Durability: Permanent veneers, particularly those made of porcelain, are resistant to deterioration and have a minimum 15-year lifespan.
  • Excellent aesthetics: they seem natural and can correct imperfections in your smile, like discolorations, slightly misaligned teeth, or dental injury.
  • Won’t harm your gums: Veneers barely affect the surrounding soft tissues, whereas certain dental restorations may cause discomfort to the gums.
  • Both fixed and moveable options: You have the option of a snap-on veneer that can be removed at any moment or a classic veneer that is permanent.

These are some of the advantages.

What are the Cons of Veneers?

They have certain disadvantages, such as:

  • Many need tooth reduction: veneers only necessitate a small amount of enamel removal, while permanent veneers require this irreversible process.
  • Expensive: The price of a permanent veneer can reach $2,500 for each tooth. Generally speaking, they are not covered by insurance.
  • Can be damaged: they are brittle and may crack, chip, or absorb discoloration. Compared to porcelain veneers, composite veneers are not as durable.

These are a few of the drawbacks.

How can I get Veneers Covered by Dental Insurance?

The following are some steps you can take to increase your chances of receiving veneer coverage:

  • Examine your dental insurance coverage in detail: Spend some time going over your policy documentation or contacting your insurance company directly. Keep an eye out for any clauses or exclusions that might relate to cosmetic procedures such as veneers.
  • Speak with your dentist: Make an appointment to talk about your desire for veneers with your dentist. They can assess your oral health and identify any underlying conditions that might warrant dental insurance coverage.
  • Obtain a pre-authorization: Ask your dentist to submit a request for pre-authorization along with any supporting evidence that explains the need for this procedure. Through this procedure, the insurance provider can assess the situation and decide whether to provide coverage.
  • File an appeal, if required: Don’t give up if your initial claim is rejected. You have the option to file an appeal by offering more proof or expert testimony that demonstrates the medical necessity of veneers in your particular circumstance.

By following these steps, you can get your insurance to cover the veneer.

How to get Insurance for Veneers

To obtain this insurance, follow the instructions listed below:

  • Go to the official websites of the previously mentioned insurance providers, such as Ameritas, Humana, Anthem, Guardian, etc.
  • The official Ameritas website can be viewed at https://www.ameritas.com
  • All you have to do to get their contact information is scroll down the page.

For more information on how to implement this policy, give them a call.

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Frequently Asked Questions

Below are some frequently asked questions.

What Problems can Veneers fix?

Dental veneers are a great (non-reversible) way to address minor to moderate gaps between teeth as well as other flaws in teeth, such as uneven color, contour, or shape. Additionally, they can assist with mild bite-related issues.

Which Issues Can’t Be Fixed with Veneers?

Reminding yourself that veneers are just a front for your real teeth is a smart idea. Therefore, problems with tooth position, significant variations in root position, bite, and profile cannot be resolved with veneers.

What Is the Duration of Dental Veneers?

They may last for seven to twenty years. The veneer itself is non-living and inert, but the surrounding gum tissue and tooth or teeth may alter over time.  Thus, for example, if the gum line recedes, the veneer may come away.


Dental veneers are shell-like coverings that make your teeth look better. Because these are cosmetic procedures, insurance does not cover them. There are a few rare circumstances in which insurance may partially reimburse veneer costs.

To be eligible, you must demonstrate that they are medically required. Veneers can be paid for out of pocket with credit cards, payment plans, or dental savings schemes. Discuss the best course of action with your dentist.