Is Teeth Whitening Covered by Insurance?

Short answer: Most likely, your insurance will not cover teeth whitening procedures. The main reason is because teeth whitening is considered a cosmetic procedure, while dental insurance cover only medical procedures mainly. However, there are some exceptions to the rule, which we outline below.

In short, dental medical procedures are treatments that improve your oral health, such as cavity fillings or gum disease treatments. Since teeth whitening is done for appearance, it’s not considered essential to your oral health. This is the key distinction for dental insurance plans and the reason why most likely your insurance will not cover a teeth whitening procedure. 

Exams, fillings, root canals and other common procedures are considered medical procedures, not cosmetic work. Unfortunately, teeth whitening is almost never covered. Insurance companies typically exclude treatments that improve appearance rather than treat a medical condition.

Although, it is worth checking to see if yours actually does cover it. 

Verifying coverage is easy if you follow these steps:

1. Review your insurance policy: Look for exclusions around cosmetic treatments or whitening. Most insurance companies have a portal where you can look up what is covered. Some may even have a chat option on the website.
2. Contact your provider: Call your insurance company’s customer service and ask directly.
3. Get a pre-treatment estimate: Your dentist can submit a pre-authorization to confirm whether any portion will be covered.
4. Explore cosmetic riders: Some plans offer add-ons for cosmetic treatments at an extra cost.

Although whitening is rarely covered, there are a few exceptions:

1. Injury or disease: If tooth discoloration results from an injury or medical condition, whitening might be partially covered as part of a treatment plan.
2. Post-surgical care: In rare cases, whitening may be offered after a major dental procedure (e.g., dental implants or crown work) to ensure color uniformity.
3. Employer-sponsored perks: Some high-end employer dental plans offer cosmetic benefits as part of additional coverage.

If you think your situation might qualify, reach out to your insurer for more details.

If your insurance doesn’t cover teeth whitening, don’t worry—you still have affordable ways to get a dazzling smile. Some alternatives include:

• Dental financing plans: Many dental clinics offer payment plans for whitening services.
• Health Savings Accounts (HSAs): If you have an HSA or FSA, you may be able to use those funds for cosmetic treatments.
• Over-the-counter options: Whitening strips, toothpastes, and mouthwashes can offer gradual improvements.

But if you want professional-level results without breaking the bank, we have a better option—our Advanced Formula Teeth Whitening Kit.

Why wait for insurance approval or pay expensive clinic fees? Our Advanced Formula Teeth Whitening Kit gives you the same stunning results you’d expect from professional whitening—without the hassle or cost.

Here’s why our kit is the perfect solution:

• Instant Results: See noticeable results after just one use.
• GentleWhite Technology: Safe for sensitive teeth, ensuring a pain-free experience.
• MaxBright System™: 28 LED lights speed up the whitening process for maximum results.
• Hands-Free & Waterproof: Use it while you shower or multitask, thanks to the hands-free design.
• FDA Registered & Dentist-Endorsed: Trusted by professionals and safe for daily use.
• Up to 12 Shades Whiter: Achieve dramatic improvements after 24 treatments.