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I would venture to say that it would be impossible to chip off a part of a tooth with a scaler. Teeth are VERY hard and even if you tried to chip it, you would need a hammer and a chisel. You had a pre-existing fracture line but...I would still offer to fix it for you...just because. I guess I'm not one of the "crazy dentists".
On another note, your insurance will cover it as they pay on the date the filling is done, not when the chip happened. It is also not cosmetic dentistry.
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