The Cost of Dental Fillings

Make Cost-Effective Choices for Your Oral Health

Maintaining good oral health is essential, and when tooth decay strikes, dental fillings are a common restorative treatment. However, many individuals are concerned about the cost of dental fillings and how they fit into their budget.

Our Loveland, OH, dentist goes over the cost of fillings below, ensuring you have an understanding of the expenses of this treatment and your payment options. To contact our dental team, call our office at (513) 677-3656.

How Much Do Dental Fillings Cost?

Typically, the price of a dental filling without insurance ranges between $200 and $600. However, this is a general estimate, and actual filling costs might be as modest as $100 or soar up to $4,000. Various factors will affect the out-of-pocket costs of a dental filling treatment.

Factors That Influence Dental Filling Cost

Filling costs can vary depending on several factors, including:

• Type of Dental Filling Material: There are different types of dental filling materials available, including amalgam (silver), composite resin (tooth-colored), gold, and glass ionomer fillings. Amalgam metal fillings are generally less expensive compared to composite resin or porcelain, but the choice of material depends on factors such as aesthetic preferences and the location of the filling.
• Size and Location of the Cavity: The size and location of the cavity play a role in determining the cost of dental fillings. Larger or more complex cavities may require additional treatment steps during the dental filling procedure as well as more materials, which can lower dental filling costs.
• Geographic Location: Dental care costs can vary based on the region or country you reside in. Urban areas generally have higher treatment costs compared to rural areas due to factors like overhead expenses and market competition.
• Additional Procedures: If additional procedures are needed, such as root canal therapy, before placing a filling, it can significantly increase the overall cost.

Dental Insurance Coverage for Dental Fillings

Dental insurance coverage for fillings can vary depending on your insurance plan. Some dental insurance plans may cover a percentage of the cost of specific filling materials, while others may provide coverage based on a fee schedule. It’s important to review your dental insurance policy and understand the coverage details, including any limitations or exclusions.

Coverage Levels

Most dental insurance plans classify fillings as a “basic procedure,” a category that typically also includes extractions, root canals, and periodontal treatment. For basic procedures, insurance often covers 50% to 80% of the cost, after the deductible. The type of filling can also influence coverage. 

For example, insurance might cover the cost of a silver filling but might only cover the cost equivalent of a composite filling, leaving the patient to pay the difference.

Financing Options

If costs are a concern, different types of financing options may be available to help manage the expenses:

• Dental Savings Plans: Dental savings plans are membership-based programs that offer discounted rates on dental services, including fillings. These plans typically involve an annual fee and provide reduced costs to participating dental providers.
• Dental Financing: Many dental offices offer financing options to help patients manage the cost of treatment. These may include in-house financing plans or partnerships with third-party financing companies that offer flexible payment options.
• Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): If you have an FSA or HSA, you can use pre-tax dollars to cover eligible dental expenses, including fillings. These accounts allow you to set aside money specifically for healthcare expenses, providing a tax advantage and helping to manage costs.

Contact our Loveland dentist today to discuss our available payment and financing options.

Frequently Asked Questions

Are there any discount programs or community dental clinics that offer reduced-cost dental fillings?

Yes, there are several options to consider if you’re looking for more affordable dental fillings. Dental discount plans, offered by insurance providers like Cigna and Delta Dental, can provide discounted rates on various dental services, including fillings. Additionally, community dental clinics, often run by non-profit organizations or government agencies, may offer reduced-cost or even free cavity fillings for individuals who meet certain income criteria. 

Another option is to explore dental schools in your area, as they typically offer dental services at a lower cost, with the procedures performed by supervised dental students. It’s always a good idea to research and compare the available options in your local area to find the most affordable solution for your dental needs.

Are dental fillings less expensive than other types of dental treatments?

Dental fillings are generally cheaper than other alternatives for repairing damaged teeth or decaying teeth. The cost of dental fillings can vary depending on the type of filling material used, the size and location of the cavity, and the dentist’s location. 

Silver amalgam fillings are the cheapest option, while cast gold or porcelain fillings are the most expensive. Dental fillings are a relatively inexpensive alternative compared to other dental treatments, such as crowns or implants.