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How to Get Insurance to Pay for Lumineers

By J. Johnson ; Updated July 27, 2017

Lumineers are basically porcelain veneers that are placed over your teeth. They can be used to reshape your smile, correct the appearance of crooked teeth or correct permanently stained or discolored teeth. Unlike traditional veneers, Lumineers don't require your teeth to be shaved down, and there's no shots or drilling. The porcelain Lumineers are fitted for your teeth, and then they're bonded to your teeth, giving you a perfectly white, flawless smile. If you can't afford Lumineers, there may be a way for your insurance to cover it.

Schedule an appointment with your cosmetic dentist to make sure Lumineers are the best choice for you. In some cases, dental crowns may be a better option. Make sure you see a cosmetic dentist, not a general dentist. You can visit the Lumineers website to find a cosmetic dentist.

Consider the reason you're getting Lumineers. If your reasons for getting Lumineers are purely cosmetic, then you most likely won't be able to get the cost covered by insurance. However, if your teeth were damaged as a result of an accident, or your existing crown or filling has caused issues with your teeth, part of the cost of your Lumineers may be covered by insurance.

Call your insurance company. Explain your situation, and ask if part of the cost of the Lumineers can be covered. The most you're likely to receive is 50 percent for the procedure.

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