When considering cosmetic work, is it wise to invest in dental insurance?
ANSWER:
Many dental insurance plans do not offer cosmetic work coverage, but some do. It really depends upon the dental insurance provider and what the policy outlines as acceptable. Typically, things that are considered cosmetic or intended for beautification are not covered; teeth whiting and bleaching are one such example.
In contrast, some policies might pay for part of necessary cosmetic work and what is paid for is usually broken down into predefined percentages. If a consumer has a traditional dental insurance policy and wants additional coverage for cosmetic work, he or she may have to rely on supplemental policies for such coverage.
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Health Savings Accounts
You can use this account to pay for your qualified health expenses, including expenses that the plan ordinarily doesn’t cover, such as eyeglasses and hearing aids.
Expenses paid out of the HSA that are eligible expenses under your high-deductible health plan will count toward the plan’s deductible.
