Teeth whitening is not covered by dental insurance. It falls under the category of cosmetic dentistry and must be paid out of your own pocket with no discount or reduction based on the plan that you belong to. Before you consider any teeth whitening procedure you should talk to yor dentist. There are risk associated with tooth whitening. They include sensitive teeth and damage to the roots of your teeth. Seeing a dentist first is important because they can examine and determine what the potential risk and harm that can be cause using whitening methods.