Dental crowns are a common solution for restoring damaged teeth, but the cost can vary depending on your insurance coverage. If you’re wondering how much should a crown cost with insurance, this guide provides an in-depth look at the costs, coverage, and factors that affect your out-of-pocket expenses.
How Much Should a Crown Cost With Insurance?
The cost of a dental crown with insurance typically ranges from $500 to $1,500 per tooth, depending on the type of crown, the dentist’s fees, and your insurance plan. Most dental insurance plans cover 50% to 80% of the cost for crowns, as they are considered a major restorative procedure.
Here’s a breakdown of typical costs with insurance:
- Metal Crowns: $500–$800 after insurance coverage.
- Porcelain-Fused-to-Metal Crowns: $600–$1,000 after insurance.
- Ceramic Crowns: $800–$1,200 after insurance.
Factors That Affect the Cost of a Crown With Insurance
1. Type of Crown
Different materials have varying costs. Metal crowns are usually the most affordable, while all-ceramic crowns are on the higher end.
2. Dentist’s Fees
Dentist pricing can vary based on their expertise, location, and the complexity of the procedure.
3. Insurance Plan Coverage
Most dental plans cover crowns under major restorative care, but the exact percentage can differ. Confirm the specifics with your provider.
4. Deductibles and Annual Limits
Your deductible and annual maximum limits can impact how much your insurance pays for the crown.
5. Additional Procedures
If additional work, like root canals or post-and-core build-ups, is required, it may add to the overall cost.
What’s Typically Covered by Insurance for Crowns?
Insurance plans often cover:
- 50% to 80% of the crown’s cost (after deductible).
- Replacement crowns if the previous one has reached its lifespan.
- Crowns required for medical necessity, such as severe decay or damage.
However, cosmetic crowns (e.g., for purely aesthetic purposes) may not be covered.
FAQ
1. How much should a crown cost with insurance?
With insurance, a dental crown typically costs $500 to $1,500 per tooth, depending on the type of crown and coverage.
2. Does dental insurance cover all types of crowns?
Most insurance plans cover medically necessary crowns, such as metal or porcelain-fused-to-metal crowns. Purely cosmetic crowns may not be covered.
3. What is the average out-of-pocket cost for a crown?
Out-of-pocket costs can range from $250 to $1,000, depending on your coverage and deductible.
4. How often does insurance cover crown replacement?
Insurance typically covers crown replacements every 5–10 years, depending on the policy.
5. How can I lower the cost of a crown?
To reduce costs, consider using a dental discount plan, asking about in-office financing options, or checking if your dentist offers payment plans.
This article answers the question how much should a crown cost with insurance, breaking down the costs, coverage, and tips to minimize your out-of-pocket expenses while ensuring quality dental care.
