Do You Really Need Cosmetic Dentistry Insurance? If you belong to the small group of lucky people born with a lovely smile you might have not given it much thought. On the other hand, with the high cost of dental work, you might think that cosmetic dentistry insurance is just an unnecessary expense better left for those who can afford it or whose jobs depend on a beautiful smile. But that is not necessarily so, cosmetic dentistry can actually benefit not only your appearance but bettered your oral health too. Crooked or chipped teeth could lead to gum disease and other health problems if left unattended. In this case, cosmetic dentistry insurance is not a luxury any more. But before you go out in your search lets clear something out. There is no such thing as cosmetic dentistry insurance per se. Insurance plans cover you against catastrophic events, like losing your house to fire, flood, or other damage, much like car insurance does. Instead, you buy dental benefit plans to help you with some of the expenses throughout the year. With a little bit of research though, you might be able to find even plans offering savings of up to 80 percent. Now, keep in mind a dental plan is not exactly a plan for cosmetic dentistry, but many of them include some of those benefits. For example, a dental program might offer cleanings, x-rays, and fillings, plus some other ones cover under cosmetic dentistry alone like bleaching, bonding, implants, braces, bridges, and composite fillings. You will have to compare plans. You should be able to find a wide range of plans. Also, take into account that you might be able to include other members of your family as well and save even more money in the long run. As your kids begin to grow, they also will need to have their teeth checked and worked on, and if they have a plan already available that includes dental and cosmetic work, all the better. You will have saved them the extra leg work as well and will love you even more for it. Many dentists, conscious of the onerous expense in cosmetic dentistry insurance for the majority of families, have implemented programs like buyer clubs or some other plans with different financing options that you can choose from according to your particular situation. After all, cosmetic dentistry doesnâ€™t have to be necessarily a luxury. With a little bit of effort on your part, you will find the right plan to help you not only to smile more often but healthier.