Dental Insurance & Financial Options

Affordable Cosmetics

People tend to think of Cosmetic Dentistry as expensive and out of reach. The good news is a whiter, more attractive smile could be easier, quicker and more affordable than you imagined.

Many cosmetic options are surprisingly easy and affordable. Teeth Whitening, Cosmetic Bonding and Teeth Contouring are all within easy reach for most budgets.

Each of those options alone can be enough to transform a smile. In combination, the results can be astounding.

Yes, there are more expensive options. With a Complete Smile Makeover you can exceed $20k. Total Smile Reconstruction involving multiple Dental Implants can exceed $60k.

Those numbers might sound astronomical. On the other hand, if you’ve been struggling with a severely debilitated dentition (fancy words for bad teeth), anything that gives you a new lease on life can seem like a bargain.

What Price for a Beautiful Smile?

Cosmetic and reconstructive dentistry are about quality of life. You can get by without an attractive smile, or even without teeth.

Only you can decide upon the value of having a beautiful smile.

Some people tell us that their Smile Makeover was the best investment they ever made. They claim it changed their life.

We can’t promise you that changing your smile will change your life. We’ve just seen it often enough to know it CAN happen for you.

“Does My Dental Insurance Cover It?”

If you have a dental insurance plan, you probably want to know if your benefits would cover any cosmetic services.

There are different variations of insurance plans. Some are extensive in coverage, and some are very basic. In most cases, cosmetic services are NOT covered by insurance benefits.

“Most plans don’t include cosmetic services,” states Dr. Joe Bulger. “Dental benefits are geared towards preventive and restorative services – the type of services that keep you healthy.”

“Beauty isn’t on the menu,” he adds. ” And I don’t expect cosmetic services to be covered any time soon.”

Here’s the scoop. Dental benefits have always been designed to benefit both employer and employee. A healthy, happy employee is a productive employee that doesn’t call in sick with a toothache.

Smile Enhancement doesn’t relate to employee absenteeism, and that’s why your dental plan probably won’t be covering any cosmetic services.

Keeping Dental Insurance in Perspective

If you have dental insurance, consider yourself fortunate.

In these tougher economic times, having any level of dental benefits is a bonus. Even if the coverage is just for basic care.

At Royal York Dental, we take care of many people who don’t have any dental benefits. They pay the entire bill themselves and they appreciate the quality of care we offer.

Sometimes people that have dental benefits lose perspective. They start to expect that benefits should pay for everything.

That’s not reasonable. That’s not what dental benefits were designed for.

Please understand that your dental insurance benefits are meant to be a supplement, not a pay-all. Your benefits will likely pay you a significant portion on some dental services, and minimal to none on other services.

You can expect that Cosmetic Dentistry will fall into that minimal to none category.