Dental Insurance Archives - Allyson K Hurley, DDS

October 15, 2016 by

My teeth are really in bad shape. I only smile around my family and close friends. I am 33 yrs old and this is really affecting my socially. I saw a cosmetic dentist last June and she told me that I have fluorosis AND tetracycline stains in my teeth. They can’t be bleached white. The only thing that will help is porcelain veneers. I finally found a solution so I called my dental insurance and spoke with a rep who said my dental insurance won’t cover it. I appealed to the senior rep and the supervisor but the insurance company won’t budge. I don’t expect them to pay for everything but they are contributing nothing toward veneers and my teeth look horrible. So it is up to me to find thousands of dollars to get my smile fixed. Do you know of any insurance companies that will provide benefits for veneers? - Niveah

Niveah - Dr. Hurley would have to examine your teeth to let you know your options. But if your teeth are stained from both tetracycline and fluorosis it is likely that you do need porcelain veneers.

Covering both types of stains with veneers will require significant skill and experiences from a highly trained cosmetic dentist. Many dentists make the attempt to cover the stains, but the stains still show through the veneers. Others make the veneers too thick, or the veneers look opaque and pasty—not like natural teeth that have translucence.

Dental insurance companies provide benefits for preventive care and restorative treatment, but not for cosmetic treatment, such as porcelain veneers. We strongly suggest that you schedule consultations with two or three accredited cosmetic dentists to discuss your options. Find out how each dentist uses veneers to conceal your stains and produce natural-looking results.

Choose dentists who offer financing or payment plans. Speak with the billing assistant at each office to help learn about financial arrangements that will make porcelain veneers affordable for you. Don’t give up. You will be able to get your smile transformed.

This post is sponsored by Bedminster, NJ dentist Dr. Allyson Hurley.

March 23, 2013 by

Hello. I am on Medicare and I keep getting turned down for dental insurance. I need a lot of work done on my teeth. I don’t want to lose any teeth so I am going to have to pay out of pocket somehow. How can I find a dentist who will see me even if I don’t have insurance? Thank you so much. – Liz

Liz – There are many dentists who accept forms of payment other than dental insurance.

Dentists often accept major credit cards, some have in-office payment plans, and others offer financing. An easy way to find out is by looking at a dentist’s website and viewing the financial policies or financial arrangements web page.

You will be pleasantly surprised by the number of dentists who accept alternative forms of payment to dental insurance. You will be able to get the dental care you need, even though you don’t have insurance.

This post is sponsored by New Jersey cosmetic dentist Dr. Allyson Hurley. Find out why she is considered to be a top New Jersey dentist.

April 27, 2012 by

I was told my dental insurance doesn’t cover white fillings. I really don’t want the mercury in my mouth from the silver fillings. Is there anyway around that with my dental insurance?

Kathleen J. from Idaho

Kathleen,

If you have dental insurance, you won’t have to pay the entire fee. How much you pay will depend on where you need the filling. If you need it on a front tooth, then your insurance will probably cover it. They consider composite fillings (white fillings) on a visible front tooth a legitimate expense. However, if it is on a back tooth, then they may only cover the amount it would have cost to get an amalgam (silver) filling. You can still get the composite filling. You would just have to pay the difference.

This blog is brought to you by New Jersey Mercury-free dentist Dr. Allyson Hurley.