Dental insurance typically does not cover porcelain veneers because they are considered a cosmetic treatment rather than medically necessary. Some exceptions may apply: If veneers are used to correct flaws caused by dental trauma or injury, insurance may provide partial coverage. In cases of severe tooth discoloration or deformity that negatively impacts function, veneers may be partly covered. Some plans may allot a small annual maximum benefit that could be applied to veneers. Veneers for reconstructive purposes after cancer treatment may also qualify for insurance coverage. Since the primary goal of veneers is aesthetic improvement, most insurance carriers classify them as an elective treatment. But even without insurance benefits, many dentists offer in-house payment plans or financing options to help make veneers more affordable. Talk to Dr. Svetlana Anokhina about potential ways to budget for veneers over time.