Wisdom Teeth Removal Cost With Insurance

Wisdom teeth, also known as third molars, typically emerge in late adolescence or early adulthood. For many people, these extra molars can cause various dental issues, from crowding to impaction. Consequently, wisdom teeth removal is a common dental procedure. If you’re considering this procedure, you’re probably wondering about the cost and how insurance factors into it.

The Need for Wisdom Teeth Removal

Before diving into costs, let’s briefly discuss why wisdom teeth removal is often necessary. Wisdom teeth often don’t have sufficient space to grow properly in the mouth, leading to various complications, including:

  1. Impaction: Wisdom teeth can become impacted, meaning they don’t fully emerge through the gum line. This can cause pain, swelling, and potential infection.
  2. Crowding: Wisdom teeth may cause overcrowding, shifting your existing teeth, and disrupting your bite alignment.
  3. Infection: Impacted wisdom teeth can lead to gum infections or cysts, causing pain and potential harm to surrounding teeth.
  4. Decay: Wisdom teeth are located at the back of the mouth, making them difficult to clean. This can lead to decay and other dental issues.

Wisdom Teeth Removal Cost Factors

The cost of wisdom teeth removal can vary based on several factors:

Factors Affecting Wisdom Teeth Removal Cost

  1. Number of Wisdom Teeth: The more wisdom teeth you need to remove, the higher the cost.
  2. Type of Anesthesia: You can opt for local anesthesia or sedation, and the latter usually costs more.
  3. Complexity: Impacted or deeply rooted wisdom teeth may require more complex surgical procedures.
  4. Location: Dental costs can differ based on where you live.

Insurance Coverage

Dental insurance often covers wisdom teeth removal, but the extent of coverage can vary. Here’s what to consider:

Understanding Insurance Coverage

  1. Plan Type: Dental insurance typically comes in two forms: PPO and HMO. PPO plans offer more flexibility and often provide better coverage for oral surgeries like wisdom teeth removal.
  2. Pre-Approval: Check if pre-approval is required. Your dentist might need to submit a treatment plan for approval before the procedure.
  3. Coverage Limits: Insurance plans often have annual or lifetime coverage limits. Be aware of these limits when planning your surgery.
  4. In-Network vs. Out-of-Network: You might receive better coverage when using in-network dental providers.

Cost Breakdown

On average, wisdom teeth removal can cost between $75 to $200 per tooth without insurance. However, with insurance, you can expect to pay significantly less. Insurance typically covers a portion of the surgical and anesthesia costs, often ranging from 50% to 80%, depending on your plan. So, the cost of the procedure largely depends on your insurance coverage.

Out-of-Pocket Expenses

It’s essential to understand that even with insurance, you may still have out-of-pocket expenses. These can include copayments, deductibles, or any remaining costs after insurance coverage.

Managing Out-of-Pocket Expenses

  1. Review Your Insurance Policy: Carefully read your insurance policy to understand the coverage and limitations.
  2. Get a Pre-Treatment Estimate: Ask your dentist to provide an estimate of the costs and confirm coverage with your insurance provider.
  3. In-Network Providers: If possible, choose a dentist who is in-network with your insurance plan to maximize benefits.
  4. Payment Plans: Some dental offices offer payment plans to help manage out-of-pocket expenses.


In conclusion, wisdom teeth removal is a common dental procedure with a cost that can be significantly reduced with insurance coverage. Make sure to understand your insurance policy, consider in-network providers, and get a pre-treatment estimate to plan and manage your expenses effectively. Your dental health is essential, and by being informed about the costs, you can make the right decision for your oral well-being.

Leave a Comment