Wondering if your dental insurance will cover that filling you need? It’s a common concern, as dental work can get expensive without proper coverage. Most dental insurance plans do cover fillings, but the extent of coverage depends on factors like filling type, your specific plan, and whether it’s considered medically necessary.
What Are Dental Fillings?
Dental fillings are restorative materials used to repair teeth damaged by decay. They help prevent further decay and restore tooth functionality.
Types of Dental Fillings
- Amalgam (silver) fillings
- Composite (white) fillings
- Gold fillings
Does Dental Insurance Cover Cavity Fillings?
Yes, most dental insurance plans cover cavity fillings as they’re considered a necessary medical procedure. According to Cigna Dental Plans, standard dental insurance typically covers 50-80% of the cost for basic restorative procedures like cavity fillings.
Does Dental Insurance Cover White Fillings?
Coverage for white (composite) fillings varies by insurance provider. As noted by Willow Glen Dental Center, many insurance companies may not fully cover composite fillings because they’re often considered cosmetic rather than medically necessary.
How Much Do Dental Fillings Cost Without Insurance?
According to Humana, “The cost of a cavity filling can range from $100 to $300 or more per tooth, depending on the type of filling material used.” Costs typically vary based on:
- Location of the tooth
- Size of the cavity
- Type of filling material
- Your geographical location
What Does Dental Insurance Typically Cover?
Coverage details usually include:
- 50-80% of basic restorative procedures
- Annual deductibles
- Maximum annual benefits
- Waiting periods for new policies
Factors Affecting Insurance Coverage
- Pre-existing conditions
- Type of filling material chosen
- Insurance plan level
- Network provider status
Frequently Asked Questions
Are all types of dental fillings covered by insurance?
Not all types are covered equally. Amalgam fillings typically have better coverage than composite ones.
How much does a dental filling cost with insurance?
With insurance, you might pay 20-50% of the total cost after meeting your deductible.
Can I get a white filling if my insurance only covers amalgam?
Yes, but you’ll likely need to pay the difference in cost out-of-pocket.
Conclusion
Dental insurance typically covers fillings, but coverage varies by plan and filling type. Understanding your specific policy details is crucial for managing costs effectively.
For personalized information about dental fillings and insurance coverage, visit Smile Vegas Dental. Our team can help you understand your options and provide expert dental care. Contact us to schedule a consultation.
Citations:
1. Humana
2. Cigna Dental Plans
3. Willow Glen Dental Center
