Reasons Why Orange County Teeth Whitening May Not Be Covered By Insurance
Insurance is very important to many individuals as it can significantly lower the overall cost of healthcare to an individual or family. In addition to purchasing medical coverage, most individuals choose to get dental coverage as well to ensure their oral health remains in excellent condition and any problems are addressed as soon as they are identified. Many individuals with dental problems in Orange County often want to have their teeth professionally whitened but can't afford it on their own. In addition their insurance will not cover it. While this can be very frustrating there are a number of reasons why your insurance company may not cover Orange County teeth whitening procedures.
Considered Cosmetic Dentistry
Many individuals are denied the covering cost of their Orange County teeth whitening procedures by their insurance company since they consider it cosmetic dentistry. Most insurance companies will only cover necessary procedures that correct dental problems or help improve an individual's oral health. While some may argue that Orange County teeth whitening improves oral health, insurance companies view it as improving the appearance of the teeth which is why it may not be covered.
Coverage Specifically Eliminates Teeth Whitening
Some insurance companies do allow cosmetic dentistry procedures to be covered, but they may still deny paying for your teeth whitening procedures. This may be due to the fact your coverage specifically states it will not cover Orange County teeth whitening procedures. You should ensure beforehand your policy does not state this if you have coverage for cosmetic dentistry.
Cost More Than Annual Maximum Payout
Finally our insurance may not cover your Orange County teeth whitening procedure if the cost of it is more than your annual maximum payout. While most medical coverage offers a lifetime maximum payout rather than a yearly maximum, dental insurance is just the opposite. Since dental emergencies are rare, individuals are limited to the amount they can claim in one year. Each insurance company varies, thus you may find the cost of your Orange County teeth whitening is more than what the insurer will cover for you for one year. If this happens you should speak with your dentist about other payment options or ways to get covered for the procedure through your insurance.
While many people want Orange County teeth whitening procedures few can afford it if their insurance doesn't cover all or part of it. There are many reasons why insurance may not cover the procedure, and you can find out more by talking to your insurance company or your dentist.
