Does Dental Insurance Cover Bonding? #1

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Have you been in a situation where you cannot smile due to your stained teeth? It often is embarrassing. In order to regain a confident smile, you wonder if your dental insurance will cover a bonding procedure.

Don’t worry, we’ve got you covered. In this article, we will explain what exactly dental bondings mean, explain if dental insurance covers it, provide some factors that can influence dental insurance coverage for bindings, and many more.

Are you ready to get solutions to that stained tooth?

I am too, let’s go!

What is Dental Bonding?

Dental bonding, also referred to as composite bonding or teeth bonding, is a cosmetic procedure that aims to improve the appearance of your smile.

The process involves using a tooth-colored resin material to sculpt a tiny piece onto your existing tooth. Basically, it helps to enhance the overall look of your teeth.

There are two types of dental bondings and they are:

1. Composite Bonding:

Composite bonding is a cosmetic dentistry technique used to improve the appearance of the teeth. This process involves applying a composite material, made up of resins and acrylics, on the tooth surface to conceal chips, cracks, discolorations, and other flaws. Because of its toughness and durability, composite bonding is a cost-effective and non-invasive alternative.

2. Porcelain Bonding:

This procedure involves applying a thin layer of hand-crafted porcelain directly onto a tooth to change its shape, size, or color, by bonding it to the tooth structure.

There are benefits you enjoy if you do dental bondings and they are:

Benefits of Dental Bonding:

  • It is less invasive than veneers or crowns: There’s no need to remove any tooth material.
  • Its results look really natural: The resin can be matched to your exact tooth shade.
  • It’s quick and pain-free: You can be done in just one appointment with minimal discomfort.
  • It is quite affordable compared to other cosmetic options.

As much as there are benefits, there are also disadvantages of dental bondings some of them include:

Limitations of Dental Bonding:

  • They are not as durable as crowns or veneers and may chip or wear over time.
  • They are not suitable for large cracks or extensive damage.
  • It may stain more easily than natural teeth.

Would you love to know if dental insurance covers sedation?

Does Dental Insurance Cover Bonding?

Absolutely, yes. Dental insurance may cover bonding based on the reason for the procedure (functional or cosmetic) your specific insurance plan, and even your dentist’s network participation.

Functional vs. Cosmetic Bonding – Purpose For Dental Bonding

The first key distinction is the purpose of your bonding. Here’s the breakdown:

  • Functional Bonding:

Functional Bonding is used to restore teeth health and function. It includes filling cavities, repairing chipped or cracked teeth, closing gaps that affect chewing, and replacing old or broken fillings.

Dental insurance typically covers functional bonding, often with high percentages (up to 60-80% on average). This is because it’s considered a restorative procedure, which most plans cover.

For example, if you have a broken tooth that needs bonding to prevent further damage or pain, your dental insurance might cover it fully or at a percentage (often between 60% and 80%).

  • Cosmetic Bonding:

Cosmetic bonding is a dental procedure that is performed to enhance the aesthetic appearance of teeth, which is purely for cosmetic reasons. This procedure is used to improve the appearance of teeth by masking mild discoloration and altering the shape or color of teeth without functional issues.

Dental insurance usually excludes coverage for cosmetic bonding because insurance companies consider these procedures optional and not medically necessary.

For example, if you want bonding to close a small gap between your front teeth for aesthetic reasons, your insurance likely won’t cover it.

Read Also: Does Dental Insurance Cover Gum Grafts?

Some Financing Options for Cosmetic Bonding

Below are some alternative ways to finance your cosmetic bonding journey:

  • Dental payment plans: We observed that it is common for dentists to provide an option of in-house payment plans, where you can make payments in installments over a period of several months.
  • Dental financing services: You can check them platforms like CareCredit and LendingClub as they offer to finance specifically for dental procedures.
  • Flexible spending accounts (FSAs) and Health Savings Accounts (HSAs): You can also contribute pre-tax dollars to these accounts for eligible healthcare expenses, including your cosmetic dentistry in some cases.

Some Factors Affecting Dental Insurance Coverage For Bonding  

It is possible to get dental bonding covered by insurance depending on its purpose. Let’s now consider other factors.

The following are factors that can influence your dental insurance coverage for bonding:

  • The plan type
  • Annual maximums
  • Deductibles and co-pays
  • Pre-existing conditions, and
  • Diagnosis code

#1. The Plan Type:

PPO plans usually offer more flexibility than HMOs with out-of-network providers and coverage options. So, a PPO with broader coverage might cover your restorative bonding procedure, while an HMO might stick to the bare essentials.

#2. Annual Maximums:

Even with dental insurance, there may be a cap on how much your plan will cover each year.

#3. Deductibles and Co-pays:

You should remember those. Deductibles might apply to your bonding procedure, leaving you responsible for a portion of the cost.

#4. Pre-existing Conditions:

If the tooth that requires bonding already has pre-existing problems, it may be less likely to be covered.

#5. Diagnosis Codes:

The reason your dentist may choose the bonding procedure is important. A code indicating functional repair could be beneficial to you.

Check this out: Does Dental Insurance Cover Cavities?

Tips For Maximizing Your Dental Coverage For Bonding

Here are a few tips to help you maximize your dental coverage for your bonding procedure:

#1. Communication is Key:

Before scheduling anything, first discuss your needs and the bonding type you want with your dentist. They can provide advice on potential coverage and suggest alternatives if the desired procedure is not covered.

Talk to your dentist and ask for the specific procedure codes they plan to use. With this information, you can verify your coverage directly with your insurance provider.

You can even request a detailed breakdown of expected costs, including insurance coverage estimates, out-of-pocket expenses, and alternative payment options.

#2. Pre-Treatment Approval:

Request a pre-treatment estimate from your dentist after understanding your coverage. Get written confirmation from your insurance provider and shield yourself from unexpected bills.

We recommend that you check with your insurance provider for prior authorization on certain procedures to avoid unexpected coverage denials. Complete any necessary paperwork in advance.

#3. Documentation

Collect all paperwork, including pre-approval documents, X-rays, treatment estimates, and receipts. Organize them for easy reference. You also need to scan and securely store all documents digitally for easy access from anywhere, anytime.

Alternatives to Dental Bonding:

  • Veneers:

Porcelain offers a more durable and stain-resistant option for major chips or gaps but prepare for a heftier price tag (and likely no insurance coverage).

  • ii. Crowns:

The crowns encase a damaged tooth courageously, offering ultimate strength and longevity. However, they might require significant tooth shaving and come at high costs.

Frequently Asked Questions

[sc_fs_multi_faq headline-0=”h3″ question-0=”Does dental insurance cover bonding at all?” answer-0=”If your bonding is for purely cosmetic reasons, like closing a gap or perfecting tooth shape, insurance won’t cover your expenses. But if it’s a restorative purpose, like repairing a chip or strengthening a cracked tooth, your insurance might be offering financial aid.” image-0=”” headline-1=”h3″ question-1=”How much coverage can I expect?” answer-1=”Even when insurance covers bonding, it’s rarely a full-blown experience. Most plans offer partial coverage, typically ranging from 50% to 80%. So, be prepared to contribute a portion yourself. Remember, the extent of the work also plays a role. A tiny chip might warrant more coverage than a major crack requiring extensive sculpting.” image-1=”” headline-2=”h3″ question-2=”What do I need to do before getting bonded?” answer-2=”Before you start your bonding adventure, it’s important to consult both your dentist and insurance provider. Your dentist can assess your specific situation and provide you with an estimated cost. Meanwhile, your insurance provider can help you understand all the details and limitations of your plan’s coverage. Don’t hesitate to ask questions and seek knowledge. It’s the best way to protect yourself against any financial surprises!” image-2=”” headline-3=”h3″ question-3=”What are the alternatives to bonding if insurance isn’t on board?” answer-3=”If your dental bonding isn’t covered by insurance, there are still several options available to fix your smile. For minor chips and cavities, direct composite fillings are a more affordable choice that may be covered by insurance. However, for larger chips or gaps, veneers are a better option as they are more durable and stain-resistant. Keep in mind that veneers are more expensive and usually not covered by insurance. For maximum protection, crowns are the best option, but they require a significant investment.” image-3=”” count=”4″ html=”true” css_class=””]

Important Recommendation


Your dental insurance can cover bonding for restorative medical conditions. We still advise that you take proactive measures for gum safety.

Feel free to check other articles on this platform.

We hope to see you soon,

Thank you for the read!

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