Are Veneers Covered by Insurance in 2024?

If you’re considering getting veneers to enhance your smile, one question that may be on your mind is whether these cosmetic dental procedures are covered by insurance. Veneers are thin shells made of porcelain or composite resin that are custom-made to fit over the front surface of your teeth, improving their appearance and correcting any imperfections.

Veneers Covered by Insurance

Understanding Veneers

Veneers can be a great option for individuals looking to improve the aesthetics of their teeth. They can help cover up stains, chips, cracks, or gaps in your smile, giving you a more uniform and attractive look. While veneers are considered a cosmetic treatment, they can also provide functional benefits such as strengthening weak teeth or protecting them from further damage.

Insurance Coverage for Veneers

Dental insurance plans typically cover treatments that are deemed medically necessary rather than purely cosmetic. Since veneers fall under the category of cosmetic dentistry, they may not be fully covered by insurance. However, there are some situations where insurance may partially cover the cost of veneers:

  • Accidental Damage: If you have experienced dental trauma due to an accident and require veneers to restore your smile, your insurance plan may provide coverage.
  • Functional Restorations: In cases where veneers are needed for structural reasons rather than just aesthetic purposes (e.g., to repair a cracked tooth), insurance might offer partial coverage.
  • Policy Specifics: Some insurance plans may include coverage for certain cosmetic procedures like veneers as part of their benefits package. It’s essential to review your policy details or consult with your provider to understand what is included.

Out-of-Pocket Costs

It’s crucial to discuss the cost of veneers with your dentist and inquire about potential financing options if they aren’t covered by insurance. The price of veneers can vary depending on factors such as the material used, the number of teeth being treated, and the complexity of the procedure.

While most dental insurance plans don’t fully cover cosmetic treatments like veneers, some providers offer supplemental plans or discount programs that can help offset out-of-pocket expenses. You may also want to explore flexible spending accounts (FSAs) or health savings accounts (HSAs) as possible avenues for covering dental expenses not covered by insurance.


In summary, while veneers are primarily considered a cosmetic procedure and may not be fully covered by insurance, there are circumstances where partial coverage may apply. It’s essential to check with your provider about potential benefits and explore alternative payment options if needed.

Remember that maintaining good oral hygiene practices can help prevent the need for extensive dental work in the future. Regular dental check-ups and cleanings can help keep your smile healthy and reduce the likelihood of needing costly treatments like veneers.

If you’re interested in getting veneers but concerned about costs, don’t hesitate to discuss these matters with your dentist and explore all available options for making cosmetic dental treatments more affordable.


Are veneers considered a cosmetic or medically necessary procedure by insurance companies?

Veneers are typically seen as a cosmetic procedure by insurance companies, which means coverage may be limited. However, some policies may cover veneers if they are deemed medically necessary for functional reasons.

Can you negotiate with insurance companies to have veneers covered under special circumstances?

While it is possible to negotiate with insurance companies for special circumstances, coverage for veneers can still be difficult to obtain. It’s important to provide detailed documentation and rationale to support the medical necessity of the procedure.

Are there any alternative treatments or procedures that may be covered by insurance instead of veneers?

Depending on the specific dental issues being addressed, alternative treatments such as crowns or dental bonding may be covered by insurance as they are considered more essential procedures. It’s worth exploring all options with your dentist and insurance provider.

Is there a possibility of getting partial coverage for veneers from insurance companies in 2024?

In some cases, insurance companies may offer partial coverage for veneers if they are deemed medically necessary or if there are extenuating circumstances impacting oral health. However, this will vary depending on the individual policy and provider.

How can I maximize my chances of having veneers covered by insurance in 2024?

To increase your chances of having veneers covered by insurance in 2024, it’s important to thoroughly review your policy details, work closely with your dentist to demonstrate medical necessity, and be prepared to advocate for yourself during the claims process. Persistence and thorough documentation can make a difference in obtaining coverage.