Does My Medical Insurance Cover My Dental Treatment?

When you sign up for insurance with your workplace, you have some things to consider. A major one being if the treatment you need is even going to be covered by the plan you choose. It’s wise to do your research before signing the dotted line on that new medical policy. More often than not, exclusions to your plan are often overlooked.

Generally, dental coverage on your medical plan will include cleanings, fillings, exams, and x-rays. Remember, many medical policies will cover only what’s considered ‘medically necessary’. This means if you have broken teeth, or a disease to treat. Before you type in ‘dental care near me‘, consider your options for getting it covered with a policy that suits you.

Medi-Cal Coverage For Low-Income Individuals

If you’re not offered insurance from your job, you may choose to opt into private health coverage if you reside in California. If you experience a ‘qualifying life event’, you may be eligible to enroll in Medi-Cal coverage any time of the year. In order to qualify, you must fall within 138% poverty level. You can also get Medi-Cal if you’re over 65, blind, under 21, pregnant, blind, on refugee status or a parent/caretaker of a child under 21. Denti-Cal or dental services offered under the Medi-Cal program, come with limitations.  The following will be covered under Medi-Cal:

What’s Not Covered

Any cosmetic dental work, including whitening, will not be covered by your medical insurance. This means you are going to have to pay out-of-pocket for treatments like bonding, veneers, contouring and yes, you’ll even have to eat that dental implants cost. The reason cosmetic dentistry is not covered by your medical insurance is that this is considered medically unnecessary since it focuses on the appearance of your smile.

Health insurance will usually never pay for dental implants unless there has been a traumatic injury. Because of the costs associated with dental implants, a treatment that is generally more expensive than other options and primarily focuses on modifying or enhancing your smile’s appearance so in general, this procedure will not be covered.

How to Make Sure All Of Your Unique Dental Issues Are Covered

Zentist offers an alternative dental solution where it doesn’t matter if you have coverage, or are simply looking to save on an existing policy, we include a list of all of the necessary procedures based on a thorough assessment to get you the treatment you need at a price you can actually afford.

Your dental care is important to you, so we honor every procedure as important as the next because having a confident smile sometimes means dental implants, veneers, gum tissue grafting, teeth whitening, and even braces. Make your smile your own by getting a plan for your unique teeth journey.


  • Matt Curb

    A lot of both patients and dentists don’t know that health insurance covers some dental procedures. Recommend this article.

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