Lumineers would not be indicated with your case, as the back of the teeth are eroded away. To replace lost tooth structure and strengthen the teeth, full coverage restorations would be needed. It is possible dental insurance would help, but even if they did, they would only cover a small fraction of the cost. Most insurances have an annual maximum of $1000. Most Lumineers cases would run in the $10,000 to $15,000 range. 90% would still be out of pocket costs. I HAVE heard (but rarely!) that medical insurance may help. I would suggest you contact your medical insurance and ask (perhaps even call your dental insurance to see what their limitations are).