Will Blue Cross Cover Bonding/veneers If My Teeth Are Chipped In Front?

I grind my teeth. They are perfectly straight from years of orthodontics, but they are chipping in front and have grooves in them from grinding. I have a bite splint now, but my teeth just seem to be chipping even more.
I don’t want to pay for cosmetic procedures, like bonding or veneers, but I’m afraid if I don’t get something done, my teeth will continue to just chip away.
Is this a common thing covered by insurance if it’s not for cosmetic reasons?