Alright, so I was digging into whether Delta Dental covers cosmetic dentistry. It all started when I noticed my teeth weren’t looking as bright as they used to. I mean, who doesn’t want a Hollywood smile, right?
First thing I did was check out Delta Dental’s website. They talked a lot about being available in all 50 states, which is cool, but not exactly what I was looking for.
Then I started looking at the actual policies. From what I gathered, they mentioned that cosmetic procedures like teeth whitening are usually not covered by employer plans and are rarely covered by any dental benefits. Bummer, I thought, but it makes sense. I mean, it’s not like whitening is a necessary thing for your health.
I also found some info saying that Delta Dental doesn’t cover cosmetic dentistry at all. But, some group plans do cover orthodontics. So, braces might be covered, but not things like veneers or bonding. It really depends on your specific plan, I guess.
My Next Steps
After all that, I decided to do a few things:
- Look at my benefits plan: I got a hold of my plan documents and read through them. It wasn’t the most exciting read, but it was important.
- Call them up: I figured talking to a real person might help. So I called Delta Dental and asked them directly about cosmetic dentistry. They confirmed what I found online – no coverage for cosmetic stuff.
- Check out other options: Since Delta Dental wasn’t going to help with the cosmetic stuff, I started looking into other options like payment plans with my dentist or maybe even saving up for it.
In the end, I realized that getting cosmetic dental work is going to be an out-of-pocket expense for me. It’s a bit of a letdown, but it’s good to know where I stand. Now I can plan accordingly and maybe start a little savings fund for that dream smile!
