Insurance & Financing

Open enrollment for 2027 plans runs Nov 1, 2026–Jan 15, 2027. A cosmetic dentistry checklist: what dental benefits actually cover, annual maximums, and traps.

Cosmetic dentistry is rarely insured, so payment strategy matters. Compare in-office plans, medical credit cards, HSA/FSA tax savings, and dental savings plans.

Almost never. Dental insurance excludes cosmetic work by definition — but accident reconstruction and medically-necessary overlap are the rare exceptions.