The Cost of Dental Fillings in Loveland, OH

Make Cost-Effective Choices for Your Oral Health with Dr. Michael Kreimer

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 it fits into their budget.

Our Loveland, OH, dentist goes over the cost of fillings below, providing insight into the expenses associated with this treatment and available payment options. To contact our dental team, call our office at (513) 677-3656. Whether you’re in Montgomery, Blue Ash, or Mason, our team is here to help.

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 as high as $4,000. Several factors influence the total cost of treatment.

Factors That Influence Dental Filling Cost

• 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 fillings, 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 impact the cost.
• Geographic Location: Dental care costs can vary based on the region 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 in Loveland

Dental insurance coverage for fillings can vary depending on your insurance plan. Some dental insurance plans may cover a percentage of the cost for 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 includes tooth 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 for 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: 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, OH, dentist today at (513) 677-3656 to discuss available payment and financing options.

Frequently Asked Questions

How can I estimate the cost of my dental filling before my appointment?

The best way to estimate the cost of your filling is to schedule an evaluation with your dentist. During the appointment, the dentist will assess the severity of the cavity, discuss the materials available, and provide a cost breakdown. If you have dental insurance, your provider can also help you understand what portion of the cost will be covered.

Does dental insurance cover all types of fillings?

Most dental insurance plans cover a portion of the cost of basic fillings, such as amalgam or composite fillings. However, insurance may not fully cover more expensive materials like porcelain or gold. Additionally, some policies only cover the cost of a silver filling, leaving patients responsible for any additional costs for composite or tooth-colored materials.

Are composite fillings more expensive than amalgam fillings?

Yes, composite (tooth-colored) fillings tend to cost more than amalgam (silver) fillings. Composite materials provide a more natural appearance, which makes them a popular choice for visible teeth. While they may be slightly more expensive, many patients prefer them for cosmetic reasons.

Can I get a payment plan if I can’t afford a filling upfront?

Many dental offices offer payment plans or financing options to help patients manage out-of-pocket costs. These may include in-house financing, third-party financing companies, or dental savings plans. It’s a good idea to discuss payment options with your dental office before your procedure.

Will waiting to get a filling increase the overall cost of treatment?

Yes, delaying a filling can lead to more serious dental issues, which may require more extensive and costly treatments like root canals or crowns. Addressing cavities early with a filling is the most cost-effective way to prevent further damage and avoid higher expenses down the road.