Some elements of cosmetic dentistry may be fully covered by your insurance. Others may be covered by 50%. Some cosmetic procedures are not covered at all. Your dentist is typically happy to review your benefits plan to help you determine what is covered so that you can stay on track with your annual limits. Your dentist may also be willing to submit a proposal / treatment plan to your insurance ahead of a procedure to determine what your insurance will cover. This can help you plan things financially for anything not covered by dental insurance.
Recovery time from a cosmetic dentistry procedure is going to vary, depending on what you are having done. Some procedures are so minimally invasive that there will be zero recovery time whatsoever. Other procedures may leave you sore and tender for a few days. At times, if sedation is required, you will need someone to take you home and stay with you for up to a day afterwards. Your dentist will provide you with detailed information about what to expect based on the procedure you are having done.