A hospital or medical expense policy will typically cover dental treatment expenses if?

Dental treatment expenses are usually covered under a hospital or medical expense policy when the treatment is necessary to repair an injury. This is because medical expense policies often extend coverage to dental procedures that are a direct result of an accidental injury, particularly if those procedures are medically necessary for the patient's health and recovery. For instance, if a person's teeth are damaged in a fall, the cost for their dental treatment aimed at repairing that damage could fall under their medical insurance.

In many cases, dental treatments that are purely cosmetic—such as teeth whitening or veneers—are not covered under medical expense policies. Similarly, coverage limits and provider networks play roles in determining coverage, but they are not broad criteria that justify coverage for treatment. The necessity of the dental treatment due to injury takes precedence in coverage decisions.