If you’ve got a cavity, you’re probably going to need a filling. Dental fillings are a common and necessary procedure to fix tooth decay and stop it from getting worse.
But how much do fillings cost? It’s a question with a lot of different answers, because the price can change depending on a few things.
This article will give you a rundown of dental filling costs and ways to make them more manageable.
Types of dental filling materials and their average costs
The type of material used to fill a cavity affects the price you’ll pay for the procedure. Here’s a rundown of the most common materials and their approximate costs:
- Amalgam fillings. Amalgam is a mix of metals, including silver. It’s typically the least expensive option, ranging from $50 to $300 per filling, depending on the number of tooth surfaces the filling covers. Amalgam fillings can last for 10 to 15 years.
- Composite fillings. Composite fillings are made of a tooth-colored resin, so they’re more attractive than amalgam. The cost is typically $90 to $400 per filling, again, depending on how much of the tooth the filling covers. Composite fillings tend to last for 5 to 10 years.
- Ceramic fillings. Ceramic fillings are stain-resistant and durable, and they can last for more than 10 years. The price range is $250 to $2,800 per filling.
- Gold fillings. Gold fillings are known to last for 15 to 20 years (or even longer), making them a durable choice. The cost is around $250 to $1,000 per filling.
Factors affecting the cost of dental fillings
The cost of a dental filling can vary depending on a few factors:
Size and location of the cavity
Larger cavities require more filling material, and they can take longer to fill, which increases the cost. Cavities in areas that are hard to reach can also be a little pricier.
Number of tooth surfaces affected
Fillings that cover multiple tooth surfaces cost more than those that only cover one. A single-surface filling will generally be less expensive than a multi-surface filling.
Dentist’s experience and location
Dentists with more years in practice, or those who practice in areas where the cost of living is high, may charge higher fees. A dentist’s location impacts their overhead costs, and they may pass those costs on to their patients.
Additional procedures
You may need more than just a filling. Additional procedures, such as exams, X-rays, or cavity preparation, will add to the overall cost. If the cavity is complex, you may need a root canal or a crown, which would substantially increase the overall expense.
Dental insurance and filling costs
If you have dental insurance, it can significantly lower what you pay out-of-pocket for fillings. Most dental plans cover a percentage of the cost after you’ve met your deductible.
However, it’s important to understand your specific dental insurance plan. Coverage levels can vary, and some plans have waiting periods before certain procedures are covered. Others have annual maximums, which means they’ll only pay up to a certain amount per year.
Typically, dental insurance covers 60% to 80% of the cost of a filling after you’ve met your deductible. Keep in mind that some insurance companies may limit coverage for more expensive materials like gold or ceramic.
Tips for managing dental filling costs
Dental work can get expensive. Here are some tips for managing the cost of dental fillings:
- Prioritize preventative care. Regular check-ups and good oral hygiene can help you avoid cavities altogether.
- Compare prices. Call different dental offices and ask for quotes.
- Look into dental discount plans. These plans can offer lower fees if you go to a participating dentist.
- Ask about payment plans. Many dentists offer payment plans to help you manage the cost of treatment.
- Consider dental schools. You can often get lower-cost care at dental schools. Keep in mind that dental students will be performing the work under supervision.
Putting It All Together
As you’ve seen, the cost of a dental filling can depend on a lot of things. The best way to find out what a filling will cost you is to talk with your dentist about the type of filling that’s right for you and your budget.
Whether you have dental insurance or not, good oral hygiene and smart financial planning can help you keep your teeth healthy and your dental bills manageable.