Tooth fillings are a common dental procedure used to repair teeth that have been damaged by decay or cavities. While the cost of a tooth filling can vary depending on the type of filling material used and the location of the tooth, many people wonder how much they will have to pay out-of-pocket when they have insurance. In this article, we will explore the average cost of a tooth filling with insurance, what is covered under dental insurance, and how to maximize your benefits.
What is Covered Under Dental Insurance?
Dental insurance policies vary in terms of coverage and benefits, but most plans cover at least a portion of the cost of preventive care services such as routine cleanings, exams, and X-rays. Some policies also cover restorative procedures like fillings, crowns, and root canals.
Typically, dental insurance plans fall into one of three categories:
- Indemnity Plans: These plans allow you to choose your own dentist and pay for services out-of-pocket, then file a claim with the insurance company for reimbursement.
- Preferred Provider Organization (PPO) Plans: PPO plans offer a network of participating dentists who provide discounted services to plan members. You can see any dentist you like, but you’ll pay less if you visit a network provider.
- Dental Maintenance Organization (DMO) Plans: DMO plans provide coverage for dental care services through a specific network of providers. You must see a network dentist to receive coverage.
The Cost of a Tooth Filling with Insurance
The cost of a tooth filling with insurance depends on several factors, including the type of filling material used, the complexity of the procedure, and the location of the tooth. On average, the cost of a tooth filling can range from $50 to $400 or more per tooth.
| Type of Filling | Average Cost |
|---|---|
| Amalgam (silver) filling | $50 to $150 per tooth |
| Composite (white) filling | $150 to $300 per tooth |
| Glass ionomer filling | $150 to $300 per tooth |
| Gold filling | $300 to $600 per tooth |
| Ceramic filling | $300 to $600 per tooth |
It’s important to note that these estimates are only averages, and the actual cost of a tooth filling may be higher or lower depending on your individual circumstances.
How to Maximize Your Dental Insurance Benefits
To get the most out of your dental insurance benefits, follow these tips:
- Review your policy: Take the time to review your policy and understand what is covered and what isn’t. Knowing what services are included can help you plan your dental care accordingly.
- Schedule regular check-ups: Regular cleanings and exams can help prevent dental problems before they become major issues. Most insurance plans cover preventive care services at little or no cost to you.
- Choose a network dentist: If you have a PPO or DMO plan, choosing a network dentist can save you money. Network dentists have agreed to provide