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How Much Is A Dentist Visit Without Insurance?

Modified: December 29, 2023

Find out the cost of a dentist visit without insurance and explore financing options for affordable dental care.

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Table of Contents

Introduction, factors affecting the cost of a dentist visit without insurance, common dental procedures and their costs, additional charges and fees, options for affordable dental care.

Visiting the dentist regularly is an essential part of maintaining good oral health. From routine cleanings to more complex procedures, dental visits can be expensive, especially if you don’t have dental insurance. So, how much does a dentist visit cost without insurance? In this article, we will explore the various factors that influence the cost of dental visits and provide insight into affordable options for dental care.

When you don’t have dental insurance, the cost of a dentist visit can vary depending on a range of factors. These include the location of the dental practice, the specific procedure you need, and the dentist’s experience and qualifications. Without insurance, you will need to pay for the entire cost of the visit out of pocket, which can sometimes be quite substantial.

It’s important to note that the cost of dental care can vary significantly, and the figures mentioned in this article are average estimates. Actual costs may vary based on your specific location and dental practice.

In the following sections, we will discuss the factors that can influence the cost of a dentist visit, provide an overview of common dental procedures and their associated costs, highlight additional charges and fees to be aware of, and explore options for affordable dental care.

While the costs of dental care without insurance may seem daunting, it is crucial to prioritize your oral health. Neglecting dental issues can lead to more severe problems over time, resulting in even higher costs down the line. By being proactive and exploring affordable options, you can still receive the necessary dental care and maintain a healthy smile without breaking the bank.

Several factors come into play when determining the cost of a dentist visit without insurance . By understanding these factors, you can gain insight into why dental costs can vary. Here are some key factors:

• Geographical Location: The cost of dental care can vary significantly depending on where you live. Urban areas generally have higher costs compared to rural areas due to higher operating costs.
• Type of Dental Practice: Different types of dental practices may have varying cost structures. For example, private practices tend to have higher fees compared to dental clinics or community health centers.
• Dentist’s Experience and Qualifications: The experience and qualifications of the dentist can influence the cost. Dentists with advanced training or specialized expertise may charge higher fees for their services.
• Complexity of the Procedure: The type and complexity of the dental procedure you require will also impact the cost. Routine cleanings and check-ups tend to be less expensive compared to complex procedures like root canals or dental implants.
• Additional Treatments or Services: If you need additional treatments or services during your visit, such as X-rays, fillings, or extractions, these can add to the overall cost.
• Materials Used: The cost of materials used during the treatment can also contribute to the total cost. For example, if you opt for a dental crown made of high-quality porcelain, it will be more expensive compared to a metal crown.

It’s worth noting that these factors are not exhaustive, and individual dental practices may have their own unique pricing structures. It’s always advisable to request an itemized breakdown of costs from the dental office to ensure transparency and avoid any surprises.

Understanding the factors that influence the cost of a dentist visit without insurance can help you better prepare financially. By discussing your concerns and budget with the dental office, they may be able to offer alternative treatment options or suggest payment plans to make dental care more affordable.

Dental procedures can vary greatly in terms of complexity and cost. Here are some of the most common dental procedures and their average costs without insurance:

• Teeth Cleaning: A routine teeth cleaning, also known as a dental prophylaxis, can cost between $75 and $200 depending on the location and dental practice.
• Dental Fillings: The cost of dental fillings can range from $100 to $300 per tooth. The cost may be higher if the filling material used is tooth-colored composite resin instead of amalgam.
• Tooth Extraction: Simple tooth extractions typically range from $75 to $300 per tooth. However, if a surgical extraction is required for impacted wisdom teeth, the cost can increase to $225 to $600 per tooth.
• Root Canal Treatment: The cost of a root canal can vary depending on the location and complexity of the procedure. On average, a root canal can cost between $500 and $1,500 per tooth.
• Dental Crown: The cost of a dental crown can range from $800 to $1,500 per crown, depending on the material used (e.g., porcelain, metal, or a combination).
• Dental Implants: Dental implants are a more expensive option for replacing missing teeth. The cost can range from $3,000 to $5,000 per implant, which may include the crown and abutment.
• Orthodontic Treatments: Orthodontic treatments, such as traditional braces or clear aligners, can cost between $3,000 and $7,000, depending on the complexity of the case and the duration of the treatment.

These cost estimates are average figures and can vary depending on the geographic location and individual dental office. It’s important to consult with your dentist for a specific cost breakdown before undergoing any procedure.

Keep in mind that prevention is key to maintaining good oral health. Regular dental check-ups and practicing good oral hygiene can help prevent or identify dental issues early on, potentially saving you from more costly procedures in the future.

When it comes to dental care without insurance, it’s essential to be aware of any additional charges and fees that may be associated with your visit. Here are some common ones to consider:

• Diagnostic Tests: X-rays and other diagnostic tests may be necessary to determine your dental condition. These tests can incur an additional charge, typically ranging from $25 to $250, depending on the type and number of x-rays required.
• Anesthesia: Certain dental procedures may require the use of anesthesia to ensure your comfort during treatment. Local anesthesia is usually included in the cost, but if general anesthesia or sedation is required, there may be an additional fee ranging from $200 to $500.
• Consultation Fee: Some dental practices charge a separate consultation fee for new patients or for specialized consultations. This fee can vary but is typically between $50 and $100.
• Laboratory Fees: For procedures like dental crowns or bridges, the dentist may collaborate with a dental laboratory to create custom restorations. The cost of these laboratory fees can range from $100 to $500 per restoration.
• Emergency Care: If you require emergency dental care outside of regular office hours, there may be an additional fee associated with the urgent care provided.
• Medication and Post-Operative Care: Depending on the procedure, you may be prescribed medication or require post-operative care materials, such as special mouth rinses or gauze. These additional costs should be considered as part of your overall dental expenses.

It’s crucial to discuss these potential charges with your dentist before undergoing any treatment. This way, you can have a clear understanding of the anticipated costs and avoid any surprises. Some dental practices may also offer payment plans or financing options to help make the overall cost more manageable.

Remember to communicate openly with your dental provider about your financial situation. They may be able to suggest alternative treatment options or make adjustments to accommodate your budget.

If you don’t have dental insurance, there are still several options available to make dental care more affordable. Here are some strategies to consider:

• Discount Dental Plans: Consider enrolling in a discount dental plan, which offers reduced fees on various dental procedures. These plans usually require an annual membership fee and provide discounts from participating dentists.
• Dental Financing: Some dental practices offer financing options that allow you to spread out the cost of treatment over time. This can be especially helpful for more expensive procedures. Discuss potential financing arrangements directly with your dentist.
• Dental Schools: Dental schools often offer discounted dental services provided by supervised dental students. While the treatment may take longer compared to a private practice, it can be a cost-effective option for routine dental care or certain procedures.
• Community Health Centers: Look for community health centers that provide dental services at reduced costs or on a sliding scale based on your income. These centers are dedicated to making healthcare services accessible to underserved populations.
• Charitable Organizations and Dental Clinics: Some charitable organizations and dental clinics offer free or low-cost dental services for individuals in need. Research local resources in your community or inquire with nonprofit organizations.
• Preventive Care: Emphasize preventive care to avoid more expensive dental procedures in the future. Brush and floss your teeth regularly, maintain a healthy diet, and attend routine dental check-ups for early detection of dental issues.

It’s important to note that while these options can help make dental care more affordable, it’s essential to prioritize quality and choose reputable dental providers. Research the background and credentials of dental professionals before seeking treatment to ensure you receive proper care.

Additionally, consider setting aside funds specifically for dental expenses by starting a healthcare savings account or contributing to a flexible spending account offered by your employer. These accounts allow you to set aside pre-tax dollars for healthcare expenses, including dental care.

By exploring these affordable dental care options and practicing preventive care, you can maintain good oral health without the burden of exorbitant costs.

While the cost of a dentist visit without insurance can be a concern, it’s important not to neglect your oral health. Regular dental care is vital for maintaining healthy teeth and gums and preventing more severe issues down the line. By understanding the factors that influence the cost of dental care, being aware of common procedures and their associated costs, and exploring affordable options, you can ensure access to necessary dental care without breaking the bank.

Factors such as geographical location, the complexity of the procedure, and the dentist’s experience can all impact the cost of dental care. It’s crucial to communicate openly with your dental provider about your financial situation and explore options for payment plans or discounts.

Remember to prioritize preventive care to minimize the need for expensive procedures in the future. Regular brushing and flossing, a healthy diet, and routine dental check-ups are all key components of maintaining good oral health.

Explore affordable alternatives such as dental schools, community health centers, and discount dental plans. These options can help reduce costs while still providing quality dental care. Additionally, charitable organizations and dental clinics may offer free or low-cost services for those in need.

By incorporating these strategies and being proactive about your oral health, you can navigate the challenges of dental care without insurance. Remember, your dental health is an investment, and finding affordable options can help you maintain a healthy smile for years to come.

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How Much Does It Cost To Go To The Dentist Without Insurance?

According to the American Dental Association , cost is the number one reason people won’t go to the dentist. And contrary to popular belief, the cost of a dentist without insurance isn’t much different from your annual insurance bill.

Before you look at these numbers, it’s important to remember that modern dentistry has made significant advances to improve the treatment and prevention of dental diseases.

These improvements continue to cause the cost of dental treatment to surge each year. These rising costs make it challenging for those without dental insurance to see a dentist regularly to maintain optimal oral health. 

However, that doesn’t mean all hope is lost. There are plenty of ways you can have dental work done without having that dental insurance card. 

RELATED: HOW TO FIND A GOOD DENTIST – 4 SIGNS YOU FOUND “THE ONE”

How To Get Dental Work Done Without Insurance  

Approximately 74 million Americans have no dental insurance and have to pay their dental costs out of pocket. And since most people think the cost of a dentist without insurance is beyond their reach, many people have been opting out of their bi-annual dentist visits.

Unfortunately, this can lead to more expensive treatment in the future. Lucky for you, there are several options that exist for those without dental coverage! 

Let’s talk about them.

Option 1: Dental Schools 

If you live near an accredited dental school, you can find quality treatment at a lower cost than private dental offices offer. These schools have clinics where dental students work under the supervision of licensed dentists. Typically, the experienced dentist checks every phase of the student’s work to ensure high-quality treatment.

Here’s the catch: you’ll probably need to see these dentist trainees more frequently. It also means more time spent in the dental chair for each visit.

You can find a list of accredited dental schools at the website of the American Dental Association .

Option 2: Medicare, Medicaid, CHIP 

Medicare does not pay for most routine dental care such as cleanings, fillings , dentures, and extractions. Medicare Part A covers some emergency dental treatment provided in a hospital. 

Every state must provide Medicaid dental benefits for children enrolled in their program. Some states also offer dental coverage for adults. When examined by a physician, children might receive an oral screening, but this does not replace the required exam by a dentist.

The minimum dental care provided to children under Medicaid includes:

• Treatment that is necessary to relieve dental pain and infections
• Restoration of broken and decayed teeth
• Procedures that are essential to maintain the child’s oral health

The federal government partners with state governments to offer affordable health coverage for children who can’t qualify for Medicaid due to their family’s income. This program is called the State Children’s Health Insurance Program . It works closely with Medicaid to offer different benefits in each state. 

Option 3: Local Health Departments

Some local health departments provide free or low-cost dental services. 

You can search for a federally funded clinic near you here .

Option 4: Ask About Payment Options 

Suppose you have no dental insurance and no access to any other assistance. In that case, you should find a dentist that has different payment options for their services. One popular payment method accepted by many dentists is CareCredit .

CareCredit provides no-interest financing options for 6-24 months on charges over $200 . You can also take advantage of longer-term financing at reduced interest rates for more expensive dental fees. 

RELATED: HOW MUCH DOES A TEETH CLEANING COST?

How Much is a Dentist Visit Without Insurance ?

The cost of a dentist visit without insurance depends on the service you need. A routine cleaning can cost $75-$200 with an average cost of $127. When this appointment includes dental x-rays, the price can reach $300 or more.

If you need a more extensive cleaning (known as deep cleaning) expect to pay $500-$4,000 for your entire mouth . Even with dental insurance, you likely will pay several hundred dollars for this procedure. This highlights the importance of preventing gum disease rather than treating it.

Sometimes the cost of a dentist without insurance is more affordable than the monthly insurance premiums. This is especially true if all you need each year is basic services such as exams and cleanings.

Even if you do have insurance, you could end up purchasing insurance with a limited provider network. This makes finding a dentist more difficult. Some dental plans have a low annual maximum that makes paying their monthly premium unappealing.

Here is a list of national prices for standard dental procedures that can help you make your decision:

1. Teeth Cleaning

Insurance usually pays all the fees for cleanings twice each year. Standard cleaning from a dental hygienist, on average, should cost about $127. 

2. Composite Tooth Filling

The cost of a filling depends on the size of the cavity and the material used for the filling. Composite, or tooth-colored fillings, can cost $90-$250 to restore one surface and $150-$450 to restore three or more surfaces.

Dental insurance usually pays 50-80% of the fee, and the average cost without insurance is $204.

3. Wisdom Tooth Removal

Having all your wisdom teeth removed at the same time is cost-effective. Without a discount for removing all four, expect to pay around $416 per tooth if you have insurance and $250-$750 without insurance.

4. Endodontic Treatment ( Root Canal )

The cost of root canal treatment can vary considerably depending on the experience of the dentist. Good dental insurance may help pay approximately 50% of the fee, ranging from $1000-$2000.

5. Dental Crown

The materials used to make your crown determine the cost. Patients with dental insurance can pay $530-$1,875 out of pocket for an all-porcelain crown . If you don’t have dental coverage, you can pay $800-$3,000 for this procedure.

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Steps On How To Go To The Dentist Without Insurance

Finding a good dentist who can provide high-quality dental care helps you maintain healthy teeth and gums for a lifetime. If you don’t have a dentist and don’t have dental insurance, here are the steps to take:

• Compose a list of good dentists. Ask friends, family, and other healthcare providers for the names of their dentists.
• Call these dental offices and ask for their out-of-pocket prices for routine check-ups and cleanings. If you know of any specific dental treatments you need, ask for those prices.
• If you live near a dental school and don’t mind the extra time this option requires, get their prices.
• Evaluate the costs of each dentist considering your budget. 
• Choose the best dentist that you can afford. Make sure that the cost of getting an exam and cleaning twice each year fits into your budget. This is critical for your oral health, and it also helps prevent expensive dental problems from developing between dental visits.

RELATED: LOS ANGELES DENTAL: WHAT TO EXPECT DURING THE PANDEMIC

Want to know our out-of-pocket prices? Just call and ask! Lasry Dental Clinic is located South Beverly and Wilshire in between Beverly Hills and Beverlywood.

I need a cheap dentist for a tooth extraction please!!

This is the exact natural remedy I followed to get rid of cavities naturally ( http://cavities.best-cure.info ). You’ll be absolutely thrilled with the step-by-step plan that guides you through the ultimate solution to get rid of cavities naturally, that you’ll only have one regret — and that is this: Not having had this valuable resource years ago!

How can I get info on pricing for dental work? Fell and knocked inner area of two front teeth. They were already always rather crooked. Thank you for any pertinent information. Thank you. PK

Patricia Kidd.

I have a broken tooth under my bridge that it is holding up. I need an estimate of pulling my teeth and getting a plate

is there any hope of restoring a rotten tooth ?

See comment below.

There is a dentist in Santa Maria who does everything possible to reconstruct a tooth (avoiding pulling) and he is a miracle worker: I cant remember his name. I also can’t remember if he was Chinese or another Asian group. If I remember I’ll post it, but I do know he also works at slo county correctional facility. He was the only part time dentist they had, so you could call or try to look up on the slo county sheriffs website to figure out his name. I was also accustomed to having laughing gas, but he broke me of that, and I had had almost no dental work done most of forty six or more years, and then I needed about six teeth repaired and cavities filled, the novacine was only the slightest pain ( although anxiety provoking) and only once on a really huge cavity did I wind up gripping the chair so hard I gave myself a blister on my hand! Otherwise the five times I went and had dental work done, it was not bad. Oh it just occurred to me (cause I have medicAre and no supplemental insurance, that the norr clinic in slo I believe has either free or reduced cost dental and medical services for rhe uninsured. I believe the norr clinics are a state of california phenonomena. Sorry I don’t know what norr stands for but I believe it is an acronym:

Always best to get insurance

If you don’t have a dentist and don’t have dental insurance, here are the steps to take:

I have. No insurance and need dental work

A Pediatric dentist costs the price of an insurance copay or without insurance. Children should have a dental checkup twice a year. I truly appreciate your great post!

What’s the point of insurance if you still high out of pocket fees, even if dentist is in network. I’m paying for bone grafts, cat scans, anesthesia, another bone graft to have successful implant surgery. I have Delta Dental Federal High Plan. I’m bracing for shock.

I don’t think you understand how the medical community(and any industrial complex) works. It’s about $$$ and always will be about $$$. They need sick people which is why they charge so much and it takes so long for stick people to get help. They need a continuous supply of cattle to come through so they can pay their bills and buy their toys. Mansions are not cheap. Insurance has always been a scam by the financial industry to be able to control and inflate the prices. You are not just paying for the dentists mansion but also the insurance saleman’s mansion and the bankers 8th mansion, yacht, and private jet.

Please learn about capitalism and how it really works. Survival of the fittest… or, in this case, survival of the greediest. Remember, your teeth effect your health, your happiness, your interaction with others, etc. There is are reason why it is expensive.

The good news is that eventually this system will completely devour itself and all those who benefited from preying upon others will be preyed upon. What comes around goes around.

Thank you for your clear description of medical and dental care in the USA. The pain is real for patients and damages our health by creating fear and insomnia. How can we change this for the better?

Why do people without dental coverage have to pay almost twice the price out of pocket than someone with dental coverage, out of pocket? That isnt fair.

I asked the same question. The reason why is that if they gave the insurance company the same bill as we get as private people, the insurance would not accept them in their network. I had some dental work to do and it would’ve cost me 3000 out-of-pocket. With insurance at $56 a month it’s costing me about $700. I agree it’s not fair. But I guess they get so much business from an insurance that they lower the cost tremendously for insurance companies.

Thank you for mentioning that when children are checked by a physician, they may receive an oral screening, but this does not substitute for the obligatory dental exam. My friend’s youngster has a jaw issue. I will advise her to take her son to a private dentist for an oral screening.

Informative post! This is a great share thank you

Visiting the dentist without insurance can be a costly endeavor. Although it may be tempting to forgo regular visits to save money in the short-term, doing so can end up costing more in the long run due to the development of serious dental issues. The best way to stay on top of oral health is to prioritize preventative care and purchase a dental plan that fits within your budget.

I was surprised to learn that a dentist without insurance can cost quite a bit more than one with insurance. I’m glad I have insurance, because it would have been a lot more expensive without it.

Overall, I was surprised to learn that going to the dentist can be quite expensive if I don’t have insurance. I paid a lot less because of my insurance, and I’m glad I have it.

https://www.cigflorida.com/bonita-springs-insurance-agency/

Thanks for the tip about how look for dental associations will help a lot in finding the right dentistry clinic. I’d like to find a good one soon because I’m thinking about getting a dental crown. That will surely be necessary after a root canal procedure.

I’m on medicaid in NC. How can I have remaining bad teeth removed without xrays?

Insurance benefits are vary from individual to individual. Before make any decision I would advice to contact with your provider and dental office as well to avoid any further unexpected overheads.

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Can I Go to the Dentist Without Insurance (& How Much Is It)?

If you don’t have access to dental coverage through your employer, you’re not alone— 25% of Americans are in the same boat. You might be wondering if you can still go to the dentist, and how much it will cost you. I’m here to set the record straight: you can absolutely get dental work done without insurance. 

However, there are some complications you’ll need to navigate, including surprise bills, varying costs, budgeting, comparing practices, etc. Luckily, there are a few ways to figure out how much care will cost before you reach the dentist’s chair. 

As a dentist myself, I’ll give you an inside look at what goes into charging for dental work, along with expert advice for figuring out how much you’ll pay. Plus, we’ll explore a new kind of dental plan designed specifically for people without employer-sponsored insurance.  

How Much Does Dental Treatment Cost Without Insurance? 

The biggest hurdle you face when visiting the dentist uninsured is opaque pricing: every dental practice will set different prices for different services. Luckily, we have data to give you a general idea of how much you might pay out-of-pocket for visiting the dentist. Our information comes from FAIR Health , an organization that collects and publishes fee data from around the country.

States have varying costs of living, which affect how much residents pay for rent, food, and even healthcare. Since Tampa is a mid-sized city in Florida, which is right in the middle of Patriot ’s cost-of-living rankings by state, it’s a good benchmark to use as an estimated average cost across the U.S. 

Here’s how much you’d likely shell out if you pay in cash for common dental services in Tampa:

Annual Cleaning—$114

Fillings—$286

Veneers—$1,687

However, don’t underestimate how much costs can vary by location. Here’s how much the same common dental services cost in Manhattan: 

Annual Cleaning—$231

Fillings—$450

Veneers—$2,800 

The stark differences here are something to chew on (sorry, dentist pun), but using these estimates as a guideline can help you budget.

Do Dental Insurance Carriers Pay the Same Amount as Cash Payers? 

Short answer: No. Insurance companies have the resources to negotiate costs way down, and they do so with the collective bargaining power of their subscriber base. 

Insurance carriers are very secretive about what they’re actually paying, so even if you are covered it can be difficult to tell whether you’re getting a fair price. But the result is the same: set prices for cash payers are not the same as what insurers are paying, so much so that NPR calls them, “fiction.” 

On the other hand, patients paying out-of-pocket have no leverage. They pay what the dentist charges, and can’t easily compare prices to see if they could get a better deal elsewhere.

What Are My Options for Going to the Dentist Without Insurance?

Good news first: Yes, you can go to the dentist without insurance. Now the bad news. If your employer doesn’t offer insurance, you have limited options for managing dental appointments. 

1. You Can Purchase Your Own Insurance Plan

Thanks to the Affordable Care Act, you can purchase your own insurance plan through the government’s online marketplace . In my experience as a longtime dentist who works to help patients take control of their dental costs, this can be one of the most unfair deals. The plans available for individual purchase are usually loaded with restrictions. Here are some of the most common ones I see:

Annual contracts that lock you in for a full year, whether you use it or not

Low annual maximums, limited restorative & major coverage in the first year 

Treatment restrictions on the stuff you actually want (thinking about Invisalign? Your insurance might say think again)

Out of pocket costs at each visit, ranging from 20-50% of the total

Simply put, for many patients, this option does not make sense. 

2. Fend for Yourself

Traditionally, there is no easy way to compare prices. So if you’re paying out-of-pocket, you’re really at the mercy of whatever your dentist decides to charge. And since many patients don’t find out what they’re paying until the bill comes, you can be in for a surprise. 

It is technically possible for individuals to negotiate their bills, but that is more commonly done for hospital visits. Most run-of-the-mill dentists won’t negotiate. After all, if you’ve already received the service, you don’t have much of a leg to stand on for bargaining.

3. Use Smylen!

That’s why my co-founders and I started Smylen , an app that lets you compare prices and book dental work online. It’s a better solution for the nearly 25% of Americans who don’t get dental coverage through their employer. 

You get access to top dentists and incredible discounts up to 80% off what you might pay if you book by yourself. You’ll also never have to guestimate how much dental work will cost or get stuck with a surprise bill again. You can see exactly how much you’ll pay, and compare the prices to find the right practice for you. 

Unlike insurance, you only pay for what you use, so there are no wasted premiums. Plus, there are no restrictions on treatment, so you can make your own choices about cosmetic treatment, implants, whitening, and more. All of this with total transparency. 

While you can still go to the dentist without insurance, there are a lot of hoops to jump through if you book by yourself. But Smylen has your back, helping you find the right provider by comparing upfront pricing on dental procedures. To see just how easy it is to book and save on dental work without insurance, check out Smylen today.

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How Much Is a Dental Visit Without Insurance?

How much is a dental visit without insurance? Find out the costs and alternatives to ensure affordable dental care. Read more on our blog.

Navigating the world of dental care without insurance can often feel like a journey through uncharted waters. Many of us face the crucial question: "How much will a dental visit cost without insurance?" 

Understanding these costs is essential, not only for budgeting but also for maintaining your oral health.

At Swish Dental , we recognize that access to dental care is a fundamental part of overall health and well-being. To address this, we're shining a spotlight on the comprehensive range of financing options available to our patients. 

Our partnerships with renowned financial services like Cherry, HFD, and CareCredit are tailored to provide flexible and transparent payment solutions. These options are designed to alleviate the stress of dental expenses, making quality dental care accessible to everyone, regardless of insurance status.

Join us as we delve into the specifics of these financing plans and how they can transform your dental care experience, ensuring that a visit to the dentist is never out of reach.

How Dental Insurance Works

Navigating the vast array of dental insurance plans can be overwhelming. To simplify this, let's explore the common features prevalent in dental insurance across the United States:

• Preventive Services Coverage: Dental insurance plans typically cover routine preventive services, including regular check-ups, cleanings, and X-rays. Understanding the extent of coverage for these fundamental services is key to maximizing your benefits.
• Coverage for Common Procedures: Beyond preventive care, dental insurance often extends to cover common procedures like fillings, root canals, and extractions.
• Inclusion of Major Dental Work: Comprehensive plans may also encompass major dental work such as crowns or bridges. We'll shed light on how these procedures fit into the broader coverage landscape.

Coverage levels vary, so understanding your policy is key.

Does Swish Dental Take My Insurance?

At Swish Dental, we gladly accommodate a wide range of dental insurance plans. To ensure you have the coverage you need, take a moment to complete our brief form. It's a quick process that only takes a few seconds.

Visit our website to check your insurance coverage!

Why It’s Important to See a Dentist, Even if You Don't Have Insurance

At Swish Dental, we are committed to helping you achieve your healthiest and most vibrant smile. We believe that seeing a dentist regularly, even in the absence of insurance, is crucial for several compelling reasons:

• Preventive Care: Regular dental check-ups enable the early detection of potential issues such as cavities, gum disease, or oral cancers. Addressing these problems in their initial stages can prevent the need for more extensive and expensive treatments down the line.
• Oral Health Maintenance: Dentists play a pivotal role in maintaining your overall oral health. Professional cleanings and examinations help remove plaque and tartar, reducing the risk of cavities and gum disease. They also guide proper oral hygiene practices tailored to your specific needs.
• Timely Intervention: Delaying dental visits can exacerbate existing issues, leading to more complex and costly treatments in the future. Seeking timely intervention, even without insurance, can prevent oral health problems from escalating.
• Pain Management: Ignoring dental issues can result in pain and discomfort. Regular visits to the dentist allow for the identification and treatment of problems before they reach a stage where pain becomes a significant concern.
• Long-Term Cost Savings: While dental treatments can be expensive, the cost of neglecting oral health can be even higher. Preventive care and early intervention can ultimately save you money by avoiding the need for more extensive, and often more expensive, procedures.

Book Your Next Check-Up with Swish Dental

How Much Is a Dental Checkup Without Insurance?

Visiting the dentist without insurance can be a concern for many but dental care is vital for maintaining overall health, and we believe that financial considerations should not be a barrier to receiving the care you need.

At Swish Dental, we believe in transparent pricing and offer competitive rates for all our services, ensuring quality dental care is accessible to everyone.

With our affordable Swish Smiles Membership , you can enjoy discounts on common dental services. See common pricing examples below.

Read More About the Swish Smiles Membership

Average Costs for Fillings, Crowns, and More

Without the safety net of insurance, understanding how much a dental appointment costs becomes a crucial aspect of managing your oral health.

So how much is a dental visit without insurance? Let's take a closer look at the average expenses associated with some routine dental treatments:

Regular Cleanings

A cornerstone of preventive oral care, regular cleanings are essential for maintaining oral hygiene. Without insurance, the cost for a typical cleaning can fluctuate, ranging between $75 and $200. These routine appointments play a pivotal role in preventing more extensive oral issues down the road.

More Complex Procedures— Fillings and Root Canals

When it comes to more intricate procedures like root canals, costs can vary significantly based on factors such as the specific tooth affected and the complexity of the procedure. For fillings, the price can vary based on the number of surfaces needing treatment. A single-surface filling is generally less expensive, as it requires less time and material to complete. The cost might start at a lower range for these simpler procedures. However, multi-surface fillings or those involving more complex situations can escalate in price. This increase is due to the additional time, skill, and materials required for treating larger or more complicated cavities.

Root canals, similarly, vary in cost based on the complexity of the case. The price can fluctuate depending on which tooth is affected (for example, front teeth are generally easier and cheaper to treat than molars), the severity of the infection or damage, and the specific treatment plan tailored for each patient. More complicated cases, such as those involving molars or teeth with multiple roots, will likely be at the higher end of the price spectrum.

Without insurance coverage, you might find yourself facing expenses ranging widely from $300 to $2,000. It's important to note that the intricacy of the tooth's structure and the severity of the issue can influence the overall cost, including procedures like veneers, braces, Invisalign, implants, and other procedures.

Swish Smiles Membership

Swish Smile Membership transcends traditional dental insurance, offering a subscription-based approach to dentistry that's both affordable and comprehensive. The membership covers a wide range of services, from cleanings and fillings to crowns and orthodontics, ensuring that your dental health is maintained without financial strain.

Our Swish Smiles Membership can help by reducing those costs significantly:

Enrolling online is easy, and members can immediately start saving on oral care at any participating Swish Dental office. Enjoy top-quality dentistry at a fraction of the price and join a community of satisfied members who've experienced the benefits.

To become a part of this innovative dental care solution, sign-up for a Swish Smiles Membership and start your journey towards affordable, high-quality dental care today.

Sign up now!

How to Get Financing for Dental Work at Swish Dental

At Swish Dental, we understand that managing the financial aspects of oral care can be a challenge, especially for those unexpected or extensive treatments. That's why we are committed to providing flexible and accessible financing options, ensuring that every patient can receive the tooth care they need without financial burden.

Our dental financing solutions cater to a diverse range of needs and circumstances, offering various plans to suit different budgets. From straightforward payment plans to partnerships with trusted financial services like Health Financing Direct (HFD), Affirm and CareCredit , we make it easier for you to invest in your oral health.

Whether you're considering routine care, cosmetic dentistry, or more comprehensive treatments, we aim to remove financial barriers, enabling you to focus on achieving and maintaining optimal oral health.

Discover how Swish Dental's financing options can transform your oral care experience, making it more manageable and stress-free.

Dental Financing Options With Affirm

We're delighted to partner with Affirm to offer a seamless and straightforward financing option for our patients at Swish Dental.

Affirm provides an accessible way to manage the cost of your dental procedures, with the flexibility to select a payment plan that aligns with your financial needs.

Key highlights of financing with Affirm include:

• Minimum term length of 18 months, giving you ample time to manage payments.
• Attractive interest rates starting as low as 0% APR.
• Freedom from prepayment penalties, allowing you to settle your balance earlier without extra charges.
• A swift and hassle-free process, taking less than five minutes to complete.

Importantly, checking your eligibility for Affirm financing won't impact your credit score, as it does not involve a hard credit check. Our commitment to transparency ensures there are no hidden fees, and the terms are clearly laid out for your understanding.

Once approved, you'll collaborate directly with Affirm to make regular payments based on your chosen term. This partnership reflects our dedication to providing flexible and transparent financial solutions, making dental care more accessible for our patients.

Get started with Affirm

Financing Dental Care With CareCredit

CareCredit stands out as a specialized healthcare credit card, designed to make managing the cost of dental and medical expenses more manageable.

It functions as a unique financial tool specifically for health-related services, including oral care. With CareCredit, patients at Swish Dental have the flexibility to cover various treatments and procedures, from routine cleanings to more advanced oral work.

What sets CareCredit apart is its range of short-term financing options, often with no interest if paid in full within the promotional period, subject to credit approval.

Dental Financing with HFD

Healthcare Finance Direct (HFD) presents a transformative approach to patient financing, particularly for those without insurance or needing procedures not covered by insurance.

Choosing Healthcare Finance Direct (HFD) for your healthcare financing provides an accessible, inclusive, and streamlined experience.

Here's what you can expect:

• Broad Approval: Nearly all applicants, regardless of their credit history, are likely to get approved.
• No Impact on Credit Score: Applying for financing doesn't involve hard credit checks, so your credit score remains unaffected.
• Flexible Financing: With financing available up to $5,000, HFD covers a range of healthcare services, from minor to more significant treatments.
• Simple Payment Management: HFD handles all aspects of payment processing and management.
• Transparent Terms: Clear communication about payment plans and terms ensures there are no surprises.

Can You Get Quality Dental Care Without Breaking the Bank?

Absolutely! At Swish Dental, we believe in providing affordable top-quality oral care. With our membership plans, financing options, and commitment to affordability, quality oral care is within reach for everyone.

Book an Appointment Today!

Frequently Asked Questions

How much is the dentist without insurance.

Dental appointment costs vary widely based on factors like location, specific services, and provider fees. On average, a routine check-up may range from $75 to $200, while more complex procedures can range from $300 to several thousand dollars. Prices are influenced by individual cases and geographic considerations.

How Much Does the Swish Smiles Membership Cost?

Our Swish Smiles Membership is an affordable alternative to traditional insurance. For a flat annual fee, members gain access to a range of dentist services at significantly reduced rates.

What Does the Swish Smiles Membership Include?

Membership includes preventive services like cleanings, exams, and x-rays at no extra cost, along with discounted rates on other procedures. It’s designed to make regular oral care more affordable.

How Can I Get Financing for Dental Work?

Swish Smiles offers financing options through third-party providers. Patients can apply for financing with simple, straightforward terms, making it easier to manage the cost of oral care.

What Are Common Financing Options for Healthcare Expenses?

Various financing avenues exist to facilitate access to healthcare. From personal savings and credit cards to the best dental loans and low-interest-rate healthcare credit cards, individuals can choose options that align with their financial circumstances. Exploring these choices ensures that health remains a priority without undue financial strain.

What Should I Consider Before Getting a Dental Loan?

Before obtaining a dental secured loan, evaluate interest rates, repayment terms, and any hidden fees. Confirm the loan amount needed and assess your ability to meet monthly payments. Understanding these factors ensures informed decisions, promoting a financially responsible approach to dental financing.

What Dental Services Can You Finance?

At Swish Dental, almost all dental services can be financed, from basic cleanings to more extensive treatments like implants or cosmetic procedures.

What Is Care Credit Dental?

CareCredit is a healthcare credit card that can be used for quick funding for treatments and procedures related to oral care, health, and wellness. It offers short-term financing options at 0% intro APR if paid in full within the promotional period. This flexibility allows patients to receive necessary care immediately while providing a convenient and affordable way to spread out payments over time. Many approved applicants have a minimum credit score of 540/560. You can also apply with a co-signer to improve the likelihood of being approved.

How to Apply for Care Credit Dental?

Applying for CareCredit is simple. Visit their website or ask our front desk for assistance. A quick credit check will determine your eligibility.

What Credit Score Do You Need for Care Credit Dental?

CareCredit requires a credit check, and approval is based on your credit history. Generally, a fair to good credit score increases the likelihood of approval.

How to Finance Dental Implants With Bad Credit?

Financing options like Affirm and in-house payment plans at Swish Dental can help patients with less-than-perfect credit. We believe in making oral care accessible to all, even without the best credit score.

What Credit Score Is Needed for Dental Financing?

While each financing option has its criteria, at Swish Dental, we offer solutions for patients with various credit backgrounds. Our goal is to ensure everyone has access to quality oral care, whether or not you have an excellent credit score.

Table of contents

• Founder's Story
• Meet the Team
• Dental Financing
• Swish Smile Membership
• (512) 647-6045
• Swish Smile Blog
• Recommended Products

The 4 Best Ways to Pay for a Dentist Visit Without Insurance

Aug 9, 2021

Dental care for adults without insurance does exist and it may be more accessible and affordable than you realize. 

Some of the best ways to get a dental visit without insurance include:

• Paying out of pocket for visits
• Finding a local dentist that offers a membership savings plan
• Going to a dental or dental hygienist school for reduced rates
• Attending a public dental clinic in your area

The bottom line is that if you need dental work with no insurance , there are options available.

In this article, we’re sharing some of the top ways to receive dental care without insurance. Keep reading if you have questions like:

How much is a dentist appointment without insurance?

• Are there dentists that accept no insurance?
• I don’t have dental insurance. What do I do?

Let’s jump into our discussion on how to see a local dentist without insurance .

Why Are Dental Check-Ups Important?

Before we talk about getting dental care without insurance, it’s essential to understand why seeing a dentist is valuable.

Did you know that people with gum disease are 2-3 times more likely to have a heart attack, stroke, or serious cardiovascular event? Researchers believe that the body’s inflammatory response caused by gum disease can somehow affect the heart. 

If you don’t have insurance or know of programs for individuals without insurance, you may think about skipping the dentist altogether. However, that’s not a good idea. You’ll still want to see the dentist even if you don’t have insurance. Whether you’re a child or an adult, regular visits to the dentist are necessary for healthy living. .

Routine dental checkups help:

• Keep your teeth and gums clean
• Address any serious oral issues
• Make oral hygiene adjustments

During your visit, the hygienist and dentist will ensure those three actions take place by performing any number of the following dental procedures :

• Taking x-rays of your teeth
• Scaling your teeth (scraping plaque and tartar off your teeth)
• Brushing and flossing
• Checking your mouth for problems or cancer
• Doing a fluoride treatment

Dental visits provide you with a clean mouth and valuable insight into your oral health. And fortunately, most major insurance companies offer coverage for routine checkups and some more serious dental procedures.

But some people may be thinking, “I don’t have dental insurance, or I can’t afford a dentist. What can I do ?”

Continue reading to learn about what to do about dentist costs with no insurance .

How to Get Dental Care for Adults Without Insurance

Not having dental insurance doesn’t disqualify you from receiving professional dental care as an adult. There are dentists that accept patients with no insurance, and there are also offices that offer discount plans. Dental help for unemployed individuals also exists in many cities around the nation.

Here are the top four options for visiting a local dentist without insurance .

Option #1: Paying Out-of-pocket

Seeing the dentist doesn’t require insurance, so one way that you can pay dental costs is straight out-of-pocket. “Out-of-pocket” means that you pay the full amount of any dental costs from your dental visits. 

If you want to pay expenses out-of-pocket, it may be good to know, “How much is a dentist visit without insurance?”

A 2016 dental survey found that the average cost for a routine check-up is $90 – $120 (not including x-rays or other preventative procedures). This study is a few years old and a more recent one hasn’t yet surfaced, but it seems that most rates are now somewhere between $100 – $300 out of pocket depending on your location. 

If you practice good oral hygiene and rarely need more serious dental procedures, paying for two visits every year out of pocket might be manageable.

However, procedures like root canals, crowns, and dentures can cost hundreds or thousands of dollars without insurance. If you have poor oral hygiene, scheduling a dentist visit without insurance and paying out-of-pocket may be pretty expensive (which is another reason to attend routine checkups—reduce the risk of severe dental problems!).

Option #2: Visiting a Dental or Dental Hygienist School

Going to a dental or dental hygienist school for checkups is a low-cost dental option for anyone without insurance.

Dental or dental hygienist students will provide discounted dental care for adults without insurance in exchange for practicing routine dental procedures. Most of these schools have trained professionals overseeing the students’ work to ensure quality of care.

The inexpensive rates are a positive, but there are two negatives to this dental route:

• You need to be near a dental or dental hygienist school. Many major cities in America have at least one school, but smaller or more rural areas may not. 
• A routine cleaning may take nearly four times as long since these dental students need to have their professors and teachers check their work.

Option #3: Attending a Public Dental Clinic

A third option is to attend a public dental clinic. Many of these clinics offer free or significantly reduced dental rates for individuals without insurance.

For example, the Free Dental Care and Virginia Dental Association groups in Virginia offer resources to anyone in need of free or inexpensive dental care. Trained professionals provide the services at these clinics to ensure the quality of care. 

These clinics are open to everyone but exist to primarily provide dental help for unemployed , low-income, or uninsured individuals. 

But these clinics often work on a first-come, first-serve basis, which means you may need to arrive early and wait a few hours before being seen by a dentist. If you don’t have hours to spare, you may need another alternative.

Option #4: Find a Dentist with a Member Savings Plan

Lastly, some dentists that accept no insurance or who want to provide an alternative option to insurance offer a member savings plan. Member savings plans provide some level of routine care for a yearly fee.

For example, we here at Northside Dental Co. in Richmond, VA are a group of dentists that don’t require insurance (though we are in-network with most insurances if you have one!). Instead, those without insurance can sign up for our Dental Savings Plan. This membership plan costs $399 each year and comes with some great benefits like:

• Two comprehensive exams
• Yearly x-rays
• Two cleanings
• Two fluoride treatments
• 15% off minor treatments
• 10% off major treatments

Signing up for a membership savings plan is an excellent option for anyone looking for an affordable alternative to dental insurance. But not all dental care providers offer a savings plan, so you may need to look into dental practices in your area to see if any offer them.

Schedule Your Dentist Visit Without Insurance Today

It’s important to maintain good oral hygiene, as issues like gum disease can lead to an increased risk for cardiovascular problems. One of the best ways to keep your teeth and gums healthy is through regular dental visits, often covered by most major insurance companies.

But what if your someone who doesn’t have dental insurance? 

Are you unable to see a local dentist without insurance ?

Dental care for adults without insurance does exist. Four of the top options available are:

• Paying for all your dental expenses out-of-pocket
• Scheduling an appointment with a local dental or dental hygienist school
• Visiting a public dental clinic in your area
• Signing up for a membership savings plan at a local dentist office

If you’re an adult without insurance living in Richmond, VA who’s searching for an “ affordable dentist in my area ,” look no further than Northside Dental Co .

At NDCo., we’re highly trained and professional dentists that accept no-insurance patients. Our desire is to make high-quality dental care accessible and affordable to everyone, whether you have insurance or not. Therefore, we are in-network with most insurances and offer a Members Saving Plan for those without insurance. This savings plan covers your routine care and also provides additional discounts for procedures like fillings and crowns. 

Schedule your appointment online and take a step toward a healthier, brighter smile today.

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Find a Cheap Dentist Without Insurance Near Me

Looking for a cheap dentist near you without insurance? It can be frustrating, overwhelming, and downright stressful to try to navigate our healthcare system if you are anything less than the top 1% in terms of wealth.

That's why we've compiled a list of some of the most important resources for affordable dental care for adults without insurance, for those who have no insurance but need cheap dental work, or are underinsured, whether due to financing or eligibility problems.

So keep reading to find a cheap dentist without insurance through:

• Federally-funded programs
• Health centers
• Local resources
• Emergency care

Find the best dental financing for your treatment:

Best for Discounts on All Treatments ➡️ Careington Dental Savings Plan

Best Safety Net for Emergencies ➡️ Dental Insurance with Low Premiums

Best for Expensive Treatment Needed Now ➡️ SuperMoney

Best for Chatting with a Dentist Online Now ➡️ Denteractive

Or call the number below to get connected with a dentist in your area and check their dental prices without insurance.

Click here to get connected or call 866-383-0748 (toll-free, 24/7)

Find a cheap dentist near me without insurance

Around 1/3 of adults in the US have no form of dental benefits coverage. And many of those who do have some dental benefits are grossly underinsured, meaning they still can't afford the care they need. Either that or they are paying more than they can afford for monthly premiums or their deductibles.

If dental insurance is out of the picture, a dental discount plan doesn't have to be. Dental discount plans (also called savings plans) are cheaper than insurance, and offer discounts on all dental care, without waiting periods, maximums, or deductibles.

You can search and find out more about these plans by going to Dentalinsurance.com . Click the button below for a free no-obligation quote.

Navigate to the ‘Dental and Vision Rate Quotes' drop-down menu and click on ‘dental discount plans'.

The good news is that there are programs that can help. Chances are, you can find help paying for the dental work you need, the problem is the general lack of awareness that these programs do in fact exist. So we're going to have a look at some of the ways that you can get affordable dental care near you even without insurance.

But before we start, it's important that you understand that it may take some time and effort to find a program that can help you. In this article, we provide a place to start, but it's up to you to make the necessary phone calls and do your due diligence to find a program that works for you. And don't give up if at first, you don't succeed—your dental health is extremely important and it's likely that you will be able to find the help you need.

We're listing this as your first resource because it's imperative to know whether you need help finding housing, general healthcare, dental services and a wide range of other services as well. Anytime you are looking for local resources, you can always call the number for United Way Worldwide . Simply dial 211 and you'll be connected to a vast network of information from professional, highly-trained and very knowledgable representatives.

The line is open 24 hours a day, seven days a week and can be accessed both by phone and computer. It's a free and confidential service, and you can find information about a wide variety of services, including health and dental care.

If you don't have enough money to pay for a dental insurance plan, or you don't have dental insurance through your healthcare provider, your first stop should be seeing if you are eligible for Medicaid and if your state offers Medicaid dental services.

Your eligibility for Medicaid depends on whether or not your gross income (before taxes) falls under the Federal Poverty Level in your state. These levels change slightly every year, but you can consult this year's here .

To find out more about how Medicaid works and how to get help enrolling, you can read our full article on Medicare and Medicaid dental coverage.

Even if your state doesn't offer dental work on Medicaid, you should still make sure to sign up if you're eligible, because you never know when you could need healthcare.

You may think you can't find affordable dental insurance, especially if you've seen the monthly premiums for regular health insurance. But dental insurance is actually much less than health insurance.

You can search for plans that may even fit within your budget by going to Dentalinsurance.com . There are also plans with no waiting periods and guaranteed acceptance. Click the button below to check prices.

Dental schools

If you're looking for low cost dental care or low-cost braces for adults, dental schools are a really great option. Chances are if you live in a city, there's a dental school near you, and they'll offer you excellent care at a much lower price than you would have to pay at a normal clinic with no dental insurance.

Dental schools often have clinics where their students work in order to gain experience treating real patients. And you can be sure that the care you receive will be good quality because these are students who are reaching the end of their studies and getting ready to go out into the real world, some even starting their own practices.

Additionally, each student is supervised by a licensed dentist with years of training experience. You may even be able to find specialist care at certain dental school, like orthodontic care for braces.

When considering a dental school, make sure it's one associated with the American Dental Association; you can search for a program near you here .

Also, you shouldn't wait until you have a dental emergency to seek treatment. At least yearly routine cleanings are an important part of prevention, which is why you should also consider dental hygiene schools for teeth cleanings without insurance .

Dental plans as low as $20/month

Dental insurance can be more affordable than you think — with basic plans providing 100% coverage of your preventive care. You can  compare the best plans  in your area now! Enter your zip code and DOB below to  get your free quote.

See how much you could save

Clinical trials.

The National Institute of Dental and Craniofacial Research and other accredited medical organizations sometimes look for participants in their studies, whether they are trying out a new way to reduce pain during procedures or a better way to extract wisdom teeth. These clinical trials are both government and privately funded, which means they are no or low-cost for you if you're looking for dental care without insurance.

It's natural if you're wondering whether or not this is a safe option. First, keep in mind that no treatment is 100% safe for everyone, whether you pay thousands of dollars or nothing at all.

But you can be rest assured that clinical trials are as safe as expensive dental care because before any new treatment can be tested on humans, it must go through years of research in laboratories first.

Additionally, Congress has passed laws to protect study participants, with rules such as every clinical investigator is required to make sure that every participant is safe. You can read more about the basics of clinical trials, including your safety as a participant on the National Institute of Health's page here .

And if you decide that you'd like to participate in a trial, you can see which trials are available here .

Discount plans

In general, dentists want affordable dental care for their patients because they are passionate about oral health. Dentists also understand that dental work can be too expensive for many of their would-be patients. For this reason, many dentists offer dental discount plans, so their patients can see a dentist without insurance.

A dental discount plan is sort of like having cheap dental insurance, but there are some important differences. With a discount plan, you can avoid the following:

• Monthly premiums
• Deductibles
• Annual maximums
• Waiting periods

You pay a membership fee and in return get discounted fees on the care you need. You can check out our dental savings plan article here to find out more!

You can also follow the link below for Dentalinsurance.com and you'll be able to browse and compare both discount plans offered by dentists and dental insurance plans in your area.

Dental loans

Another option might be for you to take out a loan for your dental work.

A loan will let you pay for expensive procedures immediately, and then you are responsible for repaying the loan over several months or years. Before taking out a loan, make sure that you will be able to pay it back within the payment deadline, if not you could end up owing significantly more.

If you'd like to see what your options are for taking out a loan, you can use SuperMoney's loan search engine where you can find and compare personal loans for dentistry. Click on the button below to get started.

There are tons of nonprofits around the country that offer affordable dental care to those who have no insurance and need a dentist; the following are some of the most popular:

Dental Lifeline Network

This nonprofit provides free, comprehensive dental care to people with disabilities, the elderly and the medically fragile who can't afford the treatment they need, and can't get public aid. Their program, Donated Dental Services, operates in every state, and you can find your state's program by clicking here .

Mission of Mercy (Arizona, Maryland, Pennsylvania and Texas)

Mission of Mercy provides free healthcare, dental care and prescription medications to individuals who don't have insurance or don't have insurance that covers the treatment they need. They are an independent, faith-based organization that receives no government funding.

This gives them the freedom to provide healthcare without any pre-qualifications, so you don't have to provide residency or financial information. You can go to their website , and then navigate to your state from there to find an upcoming clinic.

America's Dentists Care Foundation

The ADCF is a national non-profit with headquarters in Wichita, Kansas and partners and events all over the country. They provide support to a multitude of charitable clinics that provide free dental care to any person who attends. They also offer comprehensive care clinics for specific populations, like veterans who need dental work .

To find a clinic or program near you, you can check out their event map here . If there are no events currently listed for your area, you can scroll down to the bottom of the page where you'll find a list of all of the various organizations around the country with whom they collaborate.

Give Back a Smile

If you need dental work because you've suffered from domestic abuse, or you know someone who does, you may want to consider the Give Back a Smile (GBAS) program, operated by the American Academy of Cosmetic Dentistry Charitable Foundation.

GBAS helps women and men who have suffered dental injuries from an intimate partner, spouse or family member. They also provide services for men and women who have dental injuries due to sexual assault. Head to their website to find out more and have a look at the eligibility requirements.

Special Care Dentistry Association

The Special Care Dentistry Association (SCDA) is an international organization that provides dental care to people with special needs. They partner with professionals from various organizations, including the Council of Hospital Dentistry, the Council of Dentistry for People with Disabilities, and the Council of Geriatric Dentistry. Fill out their referral form here to find the help you or a loved one needs.

For more information about dental care for people with disabilities, read our article here .

Give Kids a Smile (GKAS)

If the average dentist visit cost is too much for you to pay, it doesn't mean your children need to go without care. This program is run by the American Dental Association and provides free dental care services for underserved children around the country.

To find dental care for your child through this program, go to this page where you can find clinics by state, or contact them to ask if there is a Give Kids a Smile program near you.

In the video below, you can watch a dental student's inspiring account of a GKAS event in Arizona.

Local health centers

Wondering how to get dental work but have no money? Health centers may be your answer. Health centers are community-based organizations that offer high-quality primary health care services to those who don't have insurance or are underinsured and can't afford the private costs of dental care.

They receive their funding from Medicaid, Medicare, private insurance patient fees and other sources as well, like hospitals, federal funding, donors, etc. The healthcare professionals and support staff at local health centers offer culturally competent care and are usually multilingual.

Health centers are safe places to go for quality dental care. They must meet strict requirements in able to receive federal funding. You can read more about organizations like these in our free dental care article.

To find your local health center, go to their search page here .

State and local resources

Your local health department is a wealth of knowledge when it comes to finding low cost dental clinics near you. All you need to do is call your local health department, and ask about their financial assistance programs. To find your department's contact information, search for your state here .

United Way WorldWide

For other local resources, you can always call the number for United Way Worldwide as mentioned above. Simply dial 211 and you'll be connected to a vast network of information. The line is open 24 hours a day, seven days a week and can be accessed both by phone and computer. It's a free and confidential service, and you can find information about a wide variety of services, including affordable dental care.

Dental tourism

Do you need major dental work with no insurance? If you need a large and very expensive dental procedure, like implants, you may find that you can save money by traveling to another country for your dental care.

If saving money is your main goal, one of the best options for residents of the United States is to cross the border into Mexico, where you'll find a vast network of clinics offering quality care with English-speaking dentists.

You may be hesitant to choose this option because of horror stories you've heard about foreign clinics, but that's just not the reality anymore. Clinics in other countries are able to offer affordable dental care because the cost of living in those countries is much lower than it is in the United States.

These low cost dental clinics cater to dental tourists and rely on positive reviews to keep their practices open. Just make sure you do plenty of research on the clinic you want to go to, and read more about dental tourism .

In the video below from The Daily Show with Trevor Noah, Michael Kosta heads to Mexico to interview people who have gotten their dental work done there. He also interviews a dentist from Arizona who says while people should be cautious when considering dental tourism, he'd rather they get the treatment they need in Mexico, than not get it at all.

Dental emergencies and no insurance

If you have a dental emergency with no insurance , try to find an emergency dentist near you by calling the United Way or your local health center as mentioned above.

You can also go to this FreeDentalCare website . They have organized a database of free and sliding dental care clinics around the country. Most clinics will have an emergency number listed on their website that you can call if your emergency happens outside of normal hours.

If you are losing serious amounts of blood or are in excruciating pain, and believe your life is in danger, visit the emergency room. If you want to read more about what constitutes as a dental emergency, you can check out our article here .

If your emergency happened in the past three months

If your dental emergency happened within the last three months, are eligible for Medicaid, and your state provides Medicaid dental benefits, you may be able to apply for retroactive Medicaid. This will cover your emergency dental fees, but only for bills from up to three months prior to the date of your application.

This is a very complicated process and we do not recommend completing the form for retroactive Medicaid by yourself. To get help with the process, find a Healthcare Navigator. Navigators' services are absolutely free. They are extremely knowledgable about the healthcare system, and if it turns out you aren't eligible for Medicaid, they might be able to connect you with other help to fund your dental emergency with no money .

To find a Navigator near you, head to this healthcare.gov search page and type in your location. It will show results for agents, brokers, and navigators (assisters), so make sure you choose the Navigators or Assisters option.

Dental care for undocumented immigrants

No matter your immigration status, you've got teeth and those teeth need proper care! You can check out Informed Immigrant and search for trusted nonprofits that can help you find the dental care you need.

Affordable dentist near me without insurance

How much does a dentist visit cost if you have no insurance?

If you're looking for dental care for adults without insurance , then chances are, you're already well aware of the exorbitant costs of routine dental work. So since we've clearly identified the problem, let's recap some of the solutions.

Around 74 million Americans, including children, college students , and seniors, have no dental benefits, so it's likely that either you, or someone you know needs low cost or free dental work without insurance. If you don't have dental insurance, even dental cleanings without insurance can be too expensive. Not to mention fixing a tooth abscess without insurance.

It can be difficult to find the care you need, but the good news is, chances are that with some searching, you'll be able to find treatment that you can afford. Follow our advice above, and never hesitate to ask for help.

It's worth even asking at your local dentist office if they offer low cost dental care for the uninsured—and if they don't, they might be able to point you in the right direction.

While you figure out how to find an affordable dentist near you, you might want to have an online consultation with a teledentistry appointment. You can text chat with a licensed dentist for free to understand more about the treatment you need. Or, for a small fee you get have an online consultation where the dentist will prescribe pain relief and antibiotics if you're in pain from an infection. Read more about teledentistry in our guide here .

Finally, you may not have dental insurance because you think you can't afford it. But dental insurance is much more affordable than regular health insurance, so chances are that you could find a plan that fits your budget.

For help finding a plan, go to Dentalinsurance.com . They make it easy to search a wide range of affordable plans in your area.

How much does it cost to go to the dentist without insurance?

Depending on your financial resources, costs for going to the dentist without insurance can be really expensive. You can have a look at these costs for a better idea.

• Professional teeth cleaning : $75–$200
• Deep cleaning : $150–$350
• Root canal treatment : $700–$1,000
• Tooth extraction : $75–$800
• Implants : $1,500–$6,000 (single tooth)

Can you go to the dentist without insurance?

If you're looking for affordable dental care without insurance, the good news is that you absolutely can go to the dentist without insurance , keeping some things in mind. It really comes down to finding a dentist or clinic offering low cost or free care.

Follow the advice listed above in this article, or call United Way at 211 to speak to a highly trained rep who can help put you in touch with the care you need.

How can I find a cheap dentist without insurance near me?

If you are looking for dental care without insurance, chances are you can find it, but you may have to do some looking around. By following these tips, you'll likely find what you're looking for. You can ask at your local health center, or your local dentist if they offer sliding-scale fees. You can also head to freedentalcare.us and type in your zip code to find a free or low cost dentist near you.

You can also call 866-383-0748 to check for dentists in your area and ask for prices without insurance.

ADA.org: Dental Benefits Coverage in the U.S. Consulted 6th April 2020.

Unitedway.org: 211 . Consulted 6th April 2020.

Informedimmigrant.com: Find a service organization near you . Consulted 6th April 2020.

HRSA: Find a health center . Consulted 6th April 2020.

Freedentalcare: Find free dental clinics . Consulted 6th April 2020.

USA.gov: State Health Departments . Consulted 6th April 2020.

ADA.org: Find dental care for your child . Consulted 6th April 2020.

ADCF: Find an upcoming free dental clinic or volunteer opportunity . Consulted 6th April 2020.

Special Care Dentistry Association: Special Care Dentist Referral . Consulted 6th April 2020.

Mission of Mercy: Home . Consulted 6th April 2020.

Healthcare.gov: Find Local Help . Consulted 6th April 2020.

AACD: Find a Dentist . Consulted 6th April 2020.

Dental Lifeline Network: State Programs . Consulted 6th April 2020.

NIH: NIH Clinical Research Trials and You . Consulted 6th April 2020.

ADA.org: Search for dental programs . Consulted 6th April 2020.

Clinicaltrials.gov: Find a study . Consulted 6th April 2020.

ASPE: Poverty Guidelines . Consulted 6th April 2020.

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Humana is a trusted dental coverage option in the US, renowned for its extensive network of over 335,000 participating dentists. With headquarters in Louisville, KY, Humana, Inc. is a for-profit healthcare organization that generated revenues surpassing $92 billion in 2022. Beyond financial success, Humana has received prestigious accolades, including Forbes’ “JUST 100” list and top rankings for customer treatment, mail-order pharmacy services, corporate responsibility, and diversity.

Discover the Humana Extend dental plans, designed to provide comprehensive coverage for dental, vision, and hearing benefits. These plans cater to consumers seeking inclusive dental care, with options like coverage for dental implants. Inspired by customer feedback emphasizing the importance of whole-person care, Humana Extend represents a transition from traditional dental insurance. Experience the next level of dental coverage with Humana Extend.

Dental Emergency, No Insurance: How to Find Affordable Care

In this article

What is Considered a Dental Emergency?

A dental emergency involves either a worsening infection or trauma. These are dental issues that require immediate treatment.

Knowing how to quickly recognize these issues will help enable the best possible outcome.

Dental Infections

Bacterial infections can begin within a tooth or in the tissues surrounding a tooth. 

Infections spread into the jawbone around the teeth regardless of where they begin. If these infections aren’t treated promptly, they can spread into the tissues of the face and neck.

An emergency dentist will provide antibiotic therapy and address the cause of the infection with dental treatment. 

Infections that cause swelling inside or outside the mouth can be treated with: 

• Tooth extraction  

A spreading infection is dangerous anywhere in the human body. The unique danger of dental infections is their proximity to the airway and brain. 

In rare cases, dental infections can lead to death when left untreated.

Dental trauma refers to mouth-related injuries. Injuries to the mouth can be painful and should receive immediate treatment.

Dental trauma can occur through:

• Car accidents
• Sports injuries
• Physical conflicts 

Urgent dental care is necessary if an injury to the face breaks, moves, or knocks out a tooth.

A knocked-out tooth is the most urgent of these situations. When an entire tooth comes out, you have the chance of “saving” it by re-implanting it into the socket.

The sooner this occurs, the better your chance that it will be successful. 

Calculate your dental savings now with a DentalPlans plan. Visit DentalPlans.

Low-Cost Dental Care Options When You Have No Insurance

If you lack dental insurance and need care, there are ways to receive dental treatment at reduced or no cost.

Here are some possible options to consider:

Dental Schools

Dental colleges offer dental treatment to patients at a fraction of the cost of private practice care. Dental students complete the treatment under the supervision of faculty.

Payment Plans

Many dental offices offer payment plans or financing options for expensive dental treatments. This allows you to make payments on your treatment over a selected length of time.

Government Dental Clinics

Most urban areas have dental clinics operating as public health services. These clinics offer low-cost treatment to patients who meet the clinic’s specific criteria.

Charity Dental Clinics

Many cities have charity clinics operated by nonprofits or churches. Dentists volunteer their time to treat patients for free.

Community or Charity Events

Various state dental associations host charity events. During these events, dentists come together to treat hundreds of patients within a single weekend.

Dental Plans

With a discount dental plan , you’ll pay a monthly or annual fee ($100 to $200) and save 10 to 60% on dental care.

What is not Considered a Dental Emergency?

Some situations don’t require the attention of an emergency dentist:

• Toothaches with no swelling 
• Cracked or chipped teeth
• Mouth sores
• Bleeding gums

Over-the-counter (OTC) pain relievers can sometimes help relieve symptoms. If the condition isn’t getting noticeably worse, it’s likely not a dental emergency. Check with your dentist to be sure. 

Tired of paying full price for dental work? Save with Discount Dental Plans. Learn more here or call (833) 704-2246

How to Avoid a Dental Emergency

The only way to avoid a dental emergency due to infection is to regularly go to the dentist. They can catch dental problems before they become an emergency.

Some trauma is unavoidable, but you can prevent trauma from sports injuries by wearing an athletic mouth guard during contact sports. 

Ready for Affordable Dental Care?

DentalPlans makes finding affordable dental care simple. Compare top plans, know your exact costs, and find the perfect dentist near you.

Discover Your Dental Savings Plan Now .

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Is My Situation a Dental Emergency?

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9 Symptoms a Tooth Infection Is Spreading

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Where to Get Free and Low Income Dental Services

Root Canal Cost (With and Without Insurance)

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Is a Tooth Abscess an Emergency? Will The ER Drain an Abscess?

• American Dental Association (ADA), “ What Constitutes a Dental Emergency? ”
• American Dental Association (ADA), “ Medical Emergencies in the Dental Office: Response Guide. ” 2018.
• Centers for Medicare and Medicaid Services. Benefits .
• Commission on Dental Accreditation. Search for dental programs , 2019.
• (DCD), Digital Communications Division. “ Where Can I Find Low-Cost Dental Care? ” HHS.gov, 2021.
• “ Dental Care. ” Medicaid.

Home » Blog » How Much Will My Dental Visit Cost? Common Dental Care Costs Explained

How Much Will My Dental Visit Cost? Common Dental Care Costs Explained

Dental insurance can be a huge help. Even the most basic plans can allow you to keep your teeth clean and healthy at an affordable price.

But people may not realize that even the best dental plans don’t guarantee your costs are covered. And if you don’t have dental insurance , you’re facing the cost of dental care unassisted.

At Access Health Dental, we don’t want you to be caught by surprise when trying to take great care of your teeth. Here’s what you can expect insurance to pay for and how much you might be spending on common dental procedures out of pocket.

What Dental Insurance Covers

About 90% of employees working for companies with 500 or more people have an option for dental insurance. Individual plans vary in what they cover depending on the dental insurance company and the tier of coverage.

Here’s what most will cover:

• 100% of preventative care , including two annual cleanings and X-rays
• 80% of basic procedures, like fillings, root canals, or crowns
• 50% of major procedures, like tooth implants, wisdom teeth removal, or dentures

The exact percentages of what your plan will cover vary, as will the prices your dentist charges for their services. In addition to paying for at least a portion of your care, you’ll likely have to pay a premium every month (unless your employer covers this).

And a word to the wise: If you’ve had a gap in dental insurance coverage, you may need to wait a period of time before your insurance plan will cover costs. Plus, even with the best dental insurance, most plans have a cap on how much they will pay per year. Once you hit that, you’ll be paying out of pocket.

If you don’t have dental insurance — because you work part-time, freelance, don’t work, or don’t have a job that offers it — it’s helpful to know what you might be in for when your bill arrives. Here are the most common dental costs.

Dental Care Costs

As you age, you might find yourself needing more extensive dental care than you did as a kid. Your teeth might become more prone to decay, or old fillings might need to be replaced.

We’ve looked up the cost of common dental procedures — including the cost of preventative dental care , fillings, crowns, and root canals — so you have an idea of what to expect if you’re paying yourself.

Basic Dental Cleaning

The American Dental Association recommends going to the dentist at least once a year for a cleaning. Depending on your teeth and oral history, you might be better off going twice.

During your visit, your dentist might recommend X-rays to keep a closer eye on your teeth.

• Basic dental cleaning and polish cost between $75 and $200.
• Panoramic X-rays, which are recommended every 1 to 3 years depending on age, can cost between $100 and $200.

* Source: Humana

If you have tooth decay that has led to a cavity, you’ll need to get it filled to prevent further issues. There are a few different kinds of fillings, and each varies in cost.

Amalgam Fillings

• Amalgam fillings are a mixture of metals : half liquid (elemental) mercury and a powdered alloy of silver, tin, and copper.
• They’re often referred to as “silver fillings” for their color.
• Amalgam fillings can range from $50 to $150 for one to two teeth.

Resin Composite Fillings

• Resin composite fillings are made of durable synthetic resin .
• They cost $90 to $250 for one to two teeth.

Glass Ionomer Cement Fillings (GICs) 

• Glass ionomer cement (or GICs) is made of alumina, silica, and calcium.
• They typically cost between $90 and $250 for one to two teeth.

Gold Fillings

• Gold fillings are made of cast gold, the same kind of gold in a piece of jewelry.
• They’re the longest-lasting material for fillings, but they don’t match the color of your teeth and tend to be the most expensive.
• Gold fillings can cost $250 to $4500 for one to two teeth.

If a filling is large enough, your dentist might put a cap on top called a crown to protect the tooth and prevent further damage.

You might also need a crown to hold a dental bridge in place, cover a misshapen tooth, dental implant, or a tooth that’s been treated with a root canal.

There are a few different materials for crowns, varying in durability and cost.

Metal Crowns

• Metal crowns might be gold, palladium, nickel, or chromium.
• They’re the most durable material, but don’t match your teeth (perfect for molars).
• A metal crown might cost $500 to $1,500.

Porcelain Fused-to-Metal (PFM) Crowns  

• Porcelain-fused-to-metal crowns (PFM) have a metal cover underneath a porcelain crown.
• They match teeth well but may chip or wear down.
• A porcelain fused-to-metal crown may coast $600 to $1,800.

All-Ceramic or All-Porcelain Crowns

• All-ceramic or all-porcelain crowns use porcelain (a kind of clay) without the metal underneath.
• They’re the best natural color match to your teeth but aren’t as strong as a porcelain-fused-to-metal crown.
• An all-ceramic or all-porcelain crown may cost $800 to $2,000.

If the tissue around your tooth has become infected, you might need a root canal. A root canal removes the infected tissue, cleans the tooth, then fills and seals it back up to prevent further issues.

There are two types of root canals: incisor and molar.

Incisor Root Canal

• An incisor root canal is performed on your front and canine teeth. They usually have a single root containing one root canal.
• An incisor root canal might cost $500 to $1,000.

Molar Root Canal

• A molar toot canal is performed on your premolars and back molars. Each has two or three roots, each containing either one or two root canals.
• A molar root canal might cost $800 to $1,500.

Tooth Extractions

When other methods of prevention and treatment haven’t worked, you might need to have the tooth removed or pulled in what’s called a tooth extraction .

This could be necessary with severe tooth decay, a fracture in your tooth, an impacted tooth, crowded teeth, severe gum disease, or dental injuries.

There are three kinds of tooth extractions: simple, surgical, or wisdom teeth.

Simple Tooth Extraction

• During a simple tooth extraction , you stay awake and are given local anesthesia to numb the pain.
• A simple tooth extraction might cost $75 to $250 per tooth.

Surgical Tooth Extraction

• A surgical tooth extraction means you’ll receive local anesthesia and either general anesthesia and/or intravenous anesthesia.
• You’ll be unconscious during the procedure.
• A surgical tooth extraction might cost $180 to $550 per tooth.

Wisdom Teeth Extraction

• Removing your wisdom teeth is a surgical tooth extraction specifically for your third molars or wisdom teeth.
• Wisdom teeth extraction might cost anywhere from $120 to $800.

  Dental Savings Plan to Help Pay for Dental Care

If you don’t have insurance or your insurance doesn’t cover all the dental care you need, you might be facing scary bills from your dentist.

The best treatment is preventative care — see your dentist annually for cleanings and check-ups. If you need more care between annual visits, Access Health Dental offers special savings plan to help you cover costs.

Our AHD Smiles Dental Savings Plan includes free check-ups and a discounted fee schedule (with exclusive 40% savings). We also offer discounted orthodontics and specialties. Plus, our patient referral rewards program allows you to earn rewards and credits for every friend, co-worker, and family member you refer to us.

The AHD Smiles Dental Savings plan has no annual maximums (unlike many insurance plans), no deductibles, no pre-authorization requirements, no pre-existing condition exclusions, and no waiting periods on treatments.

At Access Health Dental, we believe everyone deserves access to dental care. Learn how you can save money while taking care of your teeth.

Enroll in our AHD Smiles Savings Plan today >

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How Much Does a Dental Visit Cost?

Written by: Carefree Dental | Published On: February 1, 2023

Dental visits are pricey and can quickly set you back by hundreds or thousands of dollars. So, you need to budget ahead before scheduling an appointment. The first step to budgeting ahead is knowing the average cost of a dental visit so your dental bill doesn’t come as a shock.

Discover how much you’ll need to pay for standard dental procedures for yourself or family members based on age.

Cost of Dental Visit Based on Age

1. children.

Typically, the fee per child for every routine dental visit is between $65 and $100 . And they’ll need these regular checkups twice a year or more often, depending on what your dentist recommends.

Children have access to more dental financial assistance options than other age groups. Government assistance programs like the Children's Health Insurance Program (CHIP), and Medicaid, cover most dental care costs for children.

Under 12 Months

A visit to the dentist when your child is less than 12 months old is an initial checkup to assess their dental hygiene and any potential dental growth issues. This visit will help you to learn more about properly caring for your child's dental health.

This is also an excellent time to discuss teething issues, pacifier use, and oral habits, such as finger sucking, etc., with your child’s dentist. Contrary to some urban myths, fluoride doesn’t affect children’s IQ . But, if you’re worried about fluoride, this is also a great opportunity to discuss that with the dentist.

Typically, your baby’s checkup at the dentist attracts the routine dental visit fee – between $65 - $100 .

At this time, your child has had most of their teeth grown already. So, you’ll need an evaluation and update on their oral progress and health. Discuss your toddler's primary teeth, diet, and oral hygiene routine with your dentist.

Your dentist may suggest starting fluoride treatments , and they may repeat the treatment every six months or as often as your child needs it.

Fluoride treatments cost between $30 and $35 and usually happen twice a year.

Your child may benefit from sealant treatments when they grow their first permanent molars at six years. Your dentist will also examine your child's jaw to check for misaligned teeth. They may also have questions about their oral habits, such as teeth grinding or clenching , nail-biting, etc.

Sealants cost $35-$40 per tooth and can protect teeth against cavities for six years or more.

Your dentist may decide to start treatment for alignment issues if necessary. So, if your child needs braces, plan to spend $4000 upwards at the first stage of treatment.

Ages 12 Years and Up

The dentist will examine your teen’s third molars to know if they are present, where they are, and how well they are developing.

Orthodontic treatment typically begins between the ages of 10 and 14.

There are different braces; your dentist will recommend one based on what needs correcting. Your child will have to wear the braces for 18-30 months with adjustments every one or two months to match the current alignment of their teeth. If your child is up to 13 years, they may be able to get Invisalign treatment if their alignment issues aren’t too complex.

Orthodontic care usually ranges from $3,000 to $7,000 or more.

2. Adults Aged 21 Upward

Dentists recommend you visit the dentist for a dental cleaning once every six months. These are great opportunities for a dentist and a dental hygienist to examine your dental health.

You should talk to your dentist about cosmetic procedures if you need to be more confident in your smile .

An adult dental cleaning usually costs between $150 - $250 . A yearly budget of $500  to $1500 should cover primary corrective therapy for a broken tooth, cavity treatments, root canals, crowns, etc.

Set aside at least $1,500 if you need to get a tooth pulled and replaced. Also, budget between $650 - $1000 per tooth for elective procedures like veneers and $400 to $800 or more for teeth whitening procedures.

3. When Expecting

When you get pregnant, remember to inform your dentist. Pregnancy hormones make you prone to dental issues like gingivitis and growths within the mouth. Your dentist will need to look out for these problems, and they'll also need to be extra careful while administering certain procedures or treatments. 

When expecting, you should generally wait until after your first trimester to get an X-ray, get some dental work done, take any pain medicine, or take any antibiotic (particularly tetracycline).

On average, dental exams and cleaning for adults cost around $250 per visit.

4. Ages 65 and Up

As you get older, you are more likely to have periodontal disease , tooth decay, and root surface decay.

Tell your dentist if you've noticed increased tooth sensitivity or a persistently dry mouth.

Don’t hesitate to inform your dentist of any other medical history they may need to know about. If you have broken, missing, or loose teeth, talk to your orthodontist about how to fix them.

An adult examination and cleanup will typically cost $150 - $250 . Root canals and crowns can set you back over $2,000 , and dental bridges between $500 - $1,200 for each tooth. Dentures can set you back over $2,500 for each plate.

Factors That Affect the Cost of Dental Care

• Type of procedure : The dental procedure's complexity determines your bill. For example, getting braces is more expensive than a tooth filling. 
• Materials used : Your choice of materials directly affects your dental care costs. For example, a gold filling costs more than a silver amalgam filling.
• Geographical location : Locations with larger populations or more commercial activity usually offer more expensive dental care than less populated areas. It may be worth looking for more affordable locations when you need dental work done.
• The specific dentist : Don’t be surprised to find significant differences in price between dentists within the same location. This is due to varying lengths of professional experience, overheads, equipment, lab fees, etc.
• Age : For some procedures, it’s cheaper for children to get dental work done than adults. Also, children get more dental care coverage from government-assisted programs than adults.
• Type of insurance or dental discount plan : Each insurance or dental discount plan gives you different extents of savings on dental care bills. So, the kind you opt for determines how much you’ll pay out of pocket.

Make Huge Cost Savings on Every Dental Visit

You shouldn’t have to worry about the cost of keeping your teeth and gums healthy and smiling confidently. With Carefree Dental , you can save anywhere from 15% to 50%* per visit in most instances at a participating dentist.

You can save on dental care, such as checkups and cleanings, for as little as $15.95 a month for individuals and $19.95 a month for families.

Get affordable dental care with Carefree Dental!

*Actual costs and savings vary by provider, service, and geographical area.

The Carefree Dental blog is not meant to be a substitute for professional medical advice, diagnosis, or treatment. The text and pictures within the content are intended for information purposes only. Readers should consult with a licensed dentist or healthcare professional before seeking treatment.

The Carefree Dental Card is not insurance, and Carefree Dental is not an insurance provider.

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Some services may be covered by qualified health plans under the Affordable Care Act (ACA).

This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The Discount Plan Organization is Gallagher Affinity Insurance Services, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-800-240-2973. Plan not available in Alaska, Rhode Island, Vermont and Washington. To view a listing of participating providers visit Find a Provider. You have the right to cancel this plan within 30 days after the effective date for a full refund. Such refund will be issued within 30 days of request.

The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of the discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

Guarantee Trust Life Insurance Company (GTL) provides the Group Accident Only insurance. GTL does not provide nor is affiliated with the discount programs provided as a part of membership in Carefree Dental.

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Cost of Dental Insurance

Factors influencing cost, what does dental insurance cover, what doesn’t dental insurance cover, how to save money on dental insurance, frequently asked questions (faqs), the bottom line.

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation.

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How Much Is Dental Insurance?

Dental insurance premiums vary based on plan type, benefits, and other costs

Tom Werner / Getty Images

Dental insurance premiums range from around $7 per month to $87 per month, according to our review of quotes across 17 dental insurance companies. Your location, deductible, copays, coinsurance amounts, and annual maximum benefit will all impact your premium. The cost of dental insurance also depends on the company you choose.

Keep reading for more details about the cost of dental insurance and helpful tips for saving money on your coverage.

Key Takeaways

• Dental insurance premiums can range from as low as $7 per month up to $87 per month, according to our review.
• The cost of dental insurance depends on multiple factors, including the type of policy, the provider network, and the amount of coverage for dental work.
• Dental insurance could also charge deductibles and copayments when you need care.
• A dental HMO is usually more affordable than a dental PPO but requires you to see only in-network providers.
• Get quotes from multiple insurers to find the best offer for dental insurance.

Because dental insurance rates vary significantly, it’s a good idea to compare quotes and plan details of the best dental insurance companies to determine how much coverage you want and can afford. The table below shows the costs we found for preferred provider organization (PPO) plans from some of the largest insurers.

These quotes were collected for a 30-year-old female in El Paso County, Texas, and Los Angeles County, California. For each company, we gathered cost information for the lowest-priced PPO plan that covers preventive, basic, and major dental care . (These are the three major categories for dental insurance coverage; generally, plans pay the highest percentage of costs for preventive care and the lowest for expensive major care, such as bridges and crowns .) 

The table also shows the annual maximum benefit—the limit on how much a plan will pay for coverage—in the first year, and the first-year waiting period for coverage of major procedures.

Of the companies we received quotes from, the list above includes three insurers with the lowest premiums, four with middle-of-the-road premiums, and three with the highest premiums. 

If you’re looking for a more affordable dental insurance plan, a dental HMO , also known as a DHMO, can be a good option. Compared to PPO plans, DHMO plans typically have much lower premiums. Most DHMO plans don’t have an annual maximum, deductible, or waiting periods for covered services. The downside is that you must go to a provider within the insurer’s network; unlike PPO plans, there is no coverage for out-of-network providers.

Dental HMO plans have a copay , a flat fee for certain types of dental work. This differs from PPO plans, which have coinsurance —the percentage of a covered dental service you pay out-of-pocket after hitting your deductible. 

These DHMO quotes were collected for a 30-year-old female in El Paso County, Texas, and Los Angeles County, California. The only exception is Anthem BCBS’s DHMO plan, which is only available in California. We collected rate information for each insurer for the lowest-cost DHMO plan that covers preventive, basic, and major dental care.

If you think a DHMO plan might be right for you, begin shopping by looking at our lists of the best dental insurance companies with no waiting periods or with no annual maximum coverage limits .

Much like health insurance premiums, dental insurance premiums are impacted by multiple factors. Here are some of the criteria that can affect your dental insurance rate.

Type of Dental Policy 

Plan type is one of the biggest factors that impact prices. In general, dental PPO plans are more expensive than dental HMO plans. Some of the most common dental plans include:

• Dental preferred provider organization (DPPO) : This plan provides the most coverage for in-network care and partial coverage for out-of-network care. These plans typically have a deductible, coinsurance, and no referral requirements.
• Dental health maintenance organization (DMHO): One of the biggest benefits of a DHMO plan vs. a PPO plan is that premiums are usually low. In addition, HMOs typically don’t feature annual maximums, deductibles, or waiting periods. However, you must work with a primary care dentist, get a referral to see specialists, and generally pay a copay with each visit. 
• Dental indemnity: You can visit any provider you wish, and dentists are reimbursed for services provided. 
• Dental savings plan: These plans (also called dental discount plans ) are not true insurance. Instead, dentists within the plan offer enrollees a discount on normal pricing. If you only need cleanings, a savings plan might be right for you.

A deductible is the amount you must pay out of pocket before your benefits kick in. In our survey of dental insurance companies, deductibles were typically $50 or $100. Some insurers charge $150 or more or charge a higher out-of-network deductible. Dental insurance plans with higher deductibles generally have lower monthly premiums and vice versa. 

A copay is the dollar amount you pay your dental provider for certain services, like x-rays or an office visit. For example, if your plan has a $20 copay for cleanings, you must pay the $20 fee upfront at the dental office. Then, your insurance company pays the rest. Some companies don’t require copays for preventive or diagnostic services. 

Coinsurance

Coinsurance is the out-of-pocket money you pay for covered dental services after reaching your deductible, usually expressed as a percentage. If you have a 75% coinsurance share for major services, like oral surgery, you will pay 75% of the total cost. Some companies use copays instead of coinsurance.

Annual Maximum

Many dental plans have an annual maximum. That’s the dollar limit your insurance pays for all covered dental services in one year. In general, the higher the annual maximum is, the more expensive the premium will be. Some benefits may instead have a lifetime maximum. For instance, many dental plans that cover braces impose a lifetime limit on how much they’ll pay.

Some companies and HMO insurance plans have no annual maximum .

Dental insurance provides comprehensive coverage for most dental services, including the following.

Preventive Care 

Many plans cover preventive care at 100%, including cleanings, full-mouth X-rays, sealants, and fluoride treatments. However, most plans cover a limited number of routine services, such as two cleanings per year or one set of X-rays per year.

Basic Services 

Basic dental care includes services beyond routine care, such as fillings and simple extractions. However, some plans consider X-rays as a basic service instead of a preventive service, which means they’re not covered at 100%.

Major Services 

Major services are typically the most expensive dental procedures, such as: 

• Root canals
• Surgical extractions 
• Dental implants
• Gum disease treatment
• Dentures   
• Crowns  

Most plans have a waiting period before major services are covered. If you need coverage sooner, choose a dental plan with no waiting period .

While every dental insurance plan is different, most plans don’t provide coverage for the following services:

• Cosmetic dentistry
• Adult orthodontics
• Teeth whitening

While some dental insurance plans are relatively affordable, plans with more coverage and better benefits can be more expensive. Here are some ways to potentially get a lower dental insurance premium.

Get Multiple Plan Quotes

Dental insurance premiums depend on many factors, including your chosen insurance company. It’s a good idea to shop around and get quotes from various insurers to find the most affordable plan. Choosing a plan with a higher deductible or lower annual maximum may offer savings—just ensure you won’t lose money with the plan. (You can do this by comparing the cost of dental procedures without dental insurance to the amount you’d pay for premiums, deductibles, and copays or coinsurance with insurance.)

Choose a Discount Plan 

Dental savings plans aren’t true insurance plans but give you access to discounted dental care from participating providers. Instead of a premium, you usually pay a membership fee. This option is good if you don’t need frequent dental care.

Get Care at a Dental School 

If you live near a dental school, consider having your dental work done there. Dental schools often offer discounted services, which could help you save significant money, depending on the care you need. Students in the dental program usually staff dental school clinics, but a practicing dentist oversees their work.

Can I Purchase Dental Insurance on My Own?

Yes, you can purchase dental insurance on your own. Dental insurance can be purchased from a private insurance company or through the Affordable Care Act (ACA) Health Insurance Marketplace . Many insurance companies offer individual and family dental insurance plans, which differ in benefits and premiums.

Can I Buy Dental Insurance at Any Time?

You can buy dental insurance at any time if you buy a policy from a private insurance company. If you want to purchase a policy through the ACA Marketplace, you must wait for the annual open enrollment period unless you qualify for a special enrollment period . You also must buy a health insurance plan at the same time as dental on the exchange.

How Much Are Dental Visits Without Insurance?

The cost of a dental visit without dental insurance depends on the service type, your age, and where you live. For example, the average cleaning costs $97.50 for adults and $73.04 for children. Specialty services, like extractions, tissue grafts, and denture placement, tend to cost much more. To cut costs, buy dental insurance or a dental discount plan.

What Are the Most Common Types of Dental Insurance?

Dental PPO (DPPO) plans are the most common type of dental plan. Data from the National Association of Dental Plans (NADP) finds that 86% of all commercial dental insurance policies are DPPOs. However, DHMO, DPOS, and dental indemnity plans are also available.

The cost of dental insurance can vary widely depending on the type of policy, the provider network, the provider network, and the insurance company. Before signing up, make sure you understand both what will be covered by a policy and your possible out-of-pocket fees. You should also make sure your dentist is on the plan network. Don’t rush and sign up for the lowest premium plan without understanding the possible limitations. An insurance broker representing multiple companies can help you properly compare your options.

Anthem. “ What Does Dental Insurance Cover? ”

Delta Dental. “ What Does My Dental Insurance Cover? ”

Healthcare.gov. “ Dental Coverage in the Marketplace .”

American Dental Association. “ Results from the 2020 Survey of Dental Fees .” Page 2

National Association of Dental Plans. “ Understanding Dental Benefits .”

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Where can you find dental care in Florida without insurance?

According to a new study, for an increasing number of Floridians — especially children — their only dental plan is the nearest emergency room.

High prices, low or no insurance coverage, and a severe shortage of dentists in rural areas have left families with few or no other options. A report from CareQuest Institute for Oral Health found that Florida had the highest rate of non-traumatic dental emergency room visits for children aged 14 and below in 2020 among the 13 states they tracked, 26.7 per 10,000 people. Wisconsin was the next highest, with 17 visits per 10,000.

The most common diagnoses were abscesses, tooth decay, cavities, mouth ulcers and chronic gingivitis, all largely preventable with proper preventative oral care and annual dental checks which can catch small issues before they become large, painful, expensive ones.

Florida also had the highest average bills for those visits, ranging from $1,900 to $2,600 depending on the age of the child, the report said. Medicaid covered 80.6% of them.

For children ages 14 and under, the most emergency room dental visits in 2020 were for Black boys (50.2 per 10,000 people) with Black girls the next highest (47.3). Hispanic boys were next (24), followed by Hispanic girls (21.9) and white boys and girls (both 19.5).

Dental care costs, insurance premiums rising

Most people with dental insurance get it through their workplace so unemployed people and those whose jobs don't offer a dental plan have to do without. In 2019, the University of Illinois Chicago’s College of Dentistry reported about 74 million Americans had no dental coverage.

And even with dental insurance, many people find themselves paying out of pocket . Dental insurance works differently from medical insurance since the potential financial losses are much smaller, according to Adam Powell, healthcare economist and president of consulting firm Payer+Provider Syndicate, and they're more like a discount program than actual insurance.

“Really what you're doing is you are pre-paying for some services, like preventive care. And then you're getting some coverage,” he said. “It is not really true insurance that covers catastrophic risk.”

Dental care prices rose dramatically in 2022, nearly 10% over the year before, according to the consumer price index , largely due to increased costs from COVID-related changes and a reduction in labor. And when insurance premium rise but paychecks don't, the dental plan is often one of the first things to go.

Medicaid in Florida covers some dental services, especially for children. But nearly 8 in 10 dentists in Florida won't take Medicaid patients according to a survey from the state Department of Health . Many of them said the reimbursement rates were too low. In 2020, reimbursement for child dental services in the state were 42.6%, according to the American Dental Association , among the lowest in the country.

Dentists are disappearing in Florida's rural areas

A report by the Tampa Bay Times found that of the 67 counties in Florida, only one has enough dentists to treat all its patients, nine have fewer than three dentists each, and Lafayette County has no dentist at all. Over 95% of dentists surveyed in Florida work in private practices, leaving fewer than 5% in publicly funded dental offices and community clinics. 

The biggest reason: student debt. According to the American Dental Association , the average dental school graduate left college in 2022 with $304,824 in debt. That doesn't give much incentive to open a clinic in a rural area.

So what can you do if you have little or no dental insurance? You've got a few options to consider before the ER, which may not have the specialized tools and personnel to handle some dental problems anyway.

Step 1: Take care of your teeth

It's an obvious answer, but an important one. Prevention is by far the best and cheapest method for inexpensive health care. The American Dental Association recommends the following :

• Brush twice a day for at least two minutes with a soft bristle toothbrush and fluoride toothpaste. Studies have shown that reduces the risk of tooth decay, gingivitis and periodontitis.
• Clean between your teeth every day. People hate flossing, but cleaning between your teeth is important to dental health. If you can't bear or be bothered to pull string between your teeth, use interdental brushes, water-based irrigators or wood sticks.
• Cut back on the sugar. The sugar in your drinks and snacks combines with the bacteria in plaque in your mouth to produce acid, which slowly dissolves the enamel in your teeth and creates cavities. Untreated, that can led to tooth abscesses.

The Florida Department of Health also recommends drinking plenty of water, especially fluoridated water.

Community clinics

Many of the community health clinics run by the U.S. Health Resources and Services Administration offer reduced-cost dental care. You may have to wait for an appointment so look for one here (adjust to search your area) and call ahead as soon as possible. You also can find one near you by calling (877) 464-4722 (ASK-HRSA).

Public dental clinics

Some clinics run by health departments or community health centers focus on dental care and charge low prices or sliding fees based on what you can afford, often with payment plans for patients without insurance. Routine cleanings and basic care is available and many locations offer advanced or emergency dental care and even orthodontics. You can search AuthorityDental.org for public dental clinics near you .

Dental schools

Dentists and dental hygienists have to learn on someone, and that could mean cheaper services for you and your family. You might pay considerably less for fillings, root canals and other services, but expect appointments to take longer as every step may be checked by experienced, licensed supervisors.

You can search for dental schools in Florida here , or search here for dental hygienist schools for basic cleaning and preventative care. Not all schools may offer reduced rates, and some may offer appointments with faculty with fees comparable to private practice, check to make sure what you're getting when you contact them.

Clinical trials

Occasionally the National Institutes of Health conducts clinical trials through the National Institute of Dental and Craniofacial Research for specific dental and oral issues, and they may provide free or low-cost dental treatments to volunteers who meet their needs. You can look for current and upcoming clinical trials in Florida at ClinicalTrials.gov .

Florida KidCare and CHIP

Medicaid and the Children's Health Insurance Program (CHIP) provide no-cost or low-cost health coverage through the KidCare program for eligible children in Florida through age 18 for routine check-ups, immunizations and dental care. KidCare's partners are MediKids (for children 1-4), Florida Healthy Kids (5-18) and Children’s Medical Services Health Plan (Birth through 18 with special healthcare needs). They include subsidized plans for people who make too much for Medicaid and full-pay options for people who don't qualify for subsidized coverage.

CHIP provides federal funding to states to subsidize health insurance for children from low-income families. 

Visit the InsureKidsNow.gov website to find dentists and clinics near you who see children and accept Medicaid and CHIP.

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Top 7 Best Dental Insurance Providers and Plans in 2024

with our comparison partner, dentalinsurance.com

Key Takeaways:

• Plans from dental insurance companies are similar to health insurance, though premiums and deductibles are much lower. Monthly premiums are usually less than $50, while annual deductibles average $50 to $100.
• Dental insurance plans typically use a 100-80-50 cost-sharing model, paying 100% of the cost of preventative and diagnostic services, 80% of basic dental services such as fillings and 50% for major procedures and surgeries.
• After a deep analysis, we found that UnitedHealthcare, Cigna, Delta Dental, Humana and Renaissance are currently the top five dental insurance providers in the United States.
• This roundup of dental insurance plans is based on an examination of monthly premiums, annual deductibles, copayments and coinsurance, benefits and services covered, waiting periods and other limitations, and the size and geographical scope of provider networks available from dental insurance companies.

7 Best Dental Insurance Providers

1. delta dental.

*Starting rates; exact rates vary by location, age and other factors.

As the largest dental insurer in the United States, Delta Dental and its 39 independent dental insurance companies offer comprehensive dental coverage in all states, Puerto Rico and other U.S. territories. The firm’s network includes over 150,000 participating dentists nationwide, serving more than 80 million customers.

Delta Dental offers HMO and PPO plans as well as managed fee-for-service and discount options.

• Extensive network of more than 150,000 providers
• Discount plans available: Customers can choose from participating dentists who offer discounted fees
• 4/5 stars based on 495 ratings in the past year on  ConsumerAffairs
• A (excellent) financial strength rating  from AM Best
• Low maximum benefits, with many plans capping at $1,000
• Limited coverage and cost-sharing for orthodontic care

Delta Dental Example Pricing and Plans

Here’s a sampling of the dental insurance plans available for a 40-year-old person living in Raleigh, North Carolina:

2. Anthem Blue Cross Blue Shield

The Anthem insurance company covers 42 million people who use its insurance coverage policies in 14 states, making it a significant insurance provider in the U.S. There are a number of dental insurance plans to choose from and members have access to valuable resources and digital tools that can be very helpful.

A big part of what makes the Anthem company different from other insurance companies is its size. The company is part of the larger Blue Cross Blue Shield Association, and offers one of the largest networks of dental providers in the country. There are also some downsides with insurance from Anthem, like non-customizable plans and limited availability in certain parts of the country.

• A great option for individuals needing standard insurance plans and coverage
• Can bundle with health and vision policies
• Part of the immense line of Blue Cross Blue Shield companies

  Cons:

• Limited availability in only 14 states
• Not suitable for personalized coverage or small companies
• Millions of members affected by a data breach hack in 2015

Anthem Dental Example Pricing and Plans

Here are the Anthem dental insurance options for a 47-year-old, non-smoking male living in Atlanta, Georgia:

3. Humana Dental

With around 20 million members and a  market share hovering 8% , Kentucky-based Humana Inc. is a rising star in the American health insurance market. It provides a wide range of dental policies and a network of 260,000 dentists across the United States. Humana offers PPO, DHMO, discount and value plans for every budget.

• Large network spanning 260,000 dentists
• Offers a wide range of options, including plans for veterans
• Some plans offer an annual allowance for teeth whitening services (in office)
• AM Best  gives Humana’s dental subsidiaries a financial strength rating of A- (excellent)
• Low maximum benefits
• Limited coverage for major services
• Not all plans and benefits are available in every state

Renaissance Dental Example Pricing and Plans

Here’s a sampling of dental insurance plans available for a 50-year-old person living in Colorado:

4. Renaissance Dental

Indiana’s Renaissance Life & Health Insurance Company of America covers more than 13 million customers nationwide. Its nationwide network offers access to 300,000 dental providers.

Renaissance Dental insurance offers a decent selection of dental insurance plans, as well as a Healthy Savings Card serving over 175,000 participating locations.

The company boasts high-quality customer service, answering 99% of calls on first contact last year.

• No waiting periods for preventative and diagnostic services
• Some plans don’t have a network; customers can choose any provider they want
• Large network with access to over 300,000 dental providers
• Offers coverage for implants and crowns
• A (excellent) financial strength rating from  AM Best
• 3.9 out of 5 stars based on 17 reviews on  ConsumersAdvocate.org

Cons: 

• Low annual benefit maximums at $1,000

Here are Renaissance’s dental insurance plan offerings for a 50-year-old person living in Los Angeles, California:

5. MetLife Dental

The MetLife dental insurance network includes thousands of dentists, so you can search by ZIP Code, specialties and even languages to find the right one. Most cleanings and exams are covered 100% for in-network providers. While Metlife gives you the flexibility to see both in-network and out-of-network providers, you will enjoy the biggest savings by staying in the network. As a member of MetLife, you may receive lower fees from MetLife’s in-network partnerships. These negotiated fees are usually 30% to 45% lower than the average and give you lower out-of-pocket costs for dental care.

MetLife is a good choice for businesses that want to give their employees extra benefits and coverage. Unfortunately, MetLife doesn’t have as many options for people who buy insurance on their own, making it more challenging to find the right individual plan and price. Numerous dental insurance providers offer more coverage options to people who independently buy their policies.

• Offers various types of dental insurance plans, including employer-provided, veterans, federal and individual
• Choose in-network or out-of-network oral care providers
• Fixed fees for different service treatments and products to mitigate confusion about prices
• 4.4 out of 5 stars based on 56 reviews on ConsumersAdvocate.org
• Fewer individual dental plans than group plans
• Pricing information isn’t fully accessible online
• Customer service web portal is more tailored to businesses and employees rather than individual members

Metlife Dental Example Pricing and Plans

Here are the individual dental insurance coverage plans offered through the MetLife TakeAlong Dental plan for a 42-year-old in California:

6. UnitedHealthcare

Minnesota-headquartered UnitedHealthcare is one of the United State’s top three insurance providers. Its UnitedHealthOne provider network offers access to participating dentists across the nation.

UnitedHealthcare dental plans cover preventive care often with no deductible or waiting periods. There’s no maximum age limit on the company’s dental insurance plans.

• Easy to get quotes for dental insurance plans on the company’s website
• Extensive provider network through UnitedHealthOne
• Preventative care often covered with no deductible or waiting period
• 4/5 stars on  ConsumerAffairs  based on 373 ratings submitted in the last year
• No coverage for major services on dental insurance plans with low monthly premiums
• Limited coverage options for major procedures and orthodontic care
• Some dental insurance plans only kick in to cover major services after the first year a customer purchases a plan
• Low annual maximums

UnitedHealthcare Dental Example Pricing and Plans

Here’s a sampling of the plans available for a 30-year-old woman living in Dallas, Texas:

7. Cigna Dental

Cigna, one of the top medical insurance providers in the United States, serves more than 17 million dental customers. The Connecticut-based firm offers dental plans starting at $19 per month on average, and its nationwide provider network spans 93,000 dentists across 297,000 locations.

Plans have standard waiting periods of six months for basic services and 12 months for major and orthodontic services. Cigna’s top dental insurance policy, Cigna Dental 1500, offers comprehensive dental insurance for individuals as the only plan providing dental insurance for braces and other orthodontia (though a 12-month waiting period applies).

• No primary dentist required
• No referrals needed for specialist visits
• Network includes a selection of over 93,000 dentists
• 4.2 out of 5 stars based on 52 customer reviews on  ConsumersAdvocate.org
• There are 12-month waiting periods for restorative and orthodontia services and may vary by state
• Limited amount of plan options compared to other dental insurance companies

Cigna Example Pricing and Plans

Here are three plans available from Cigna. Prices are based on Cigna’s national average rates for each plan.

How Does Dental Insurance Work?

Dental insurance is modeled after standard health insurance, with a few notable differences. Prices for dental insurance plans are much lower — a monthly premium from dental insurance companies typically costs less than $50 and the annual deductible usually ranges between $50 and $100.

Rather than using annual out-of-pocket maximums, dental policies typically place a cap on the coverage you receive for the year. The average maximum for dental insurance plans ranges from $1,000 to $1,500, but the National Association of Dental Plans estimates  that only 5% of Americans actually exceed their in-network maximum for the year.

Dental insurance plans use a 100-80-50 cost-sharing model, requiring patients to pay a copayment or coinsurance for services the plan doesn’t cover. The best dental insurance plans usually cover the following:

• 100% for preventative care services , such as biannual checkups and cleanings, X-ray scans and diagnostic tests
• 80% for basic procedures , such as fillings, extractions and root canals
• 50% for major procedures , such as crowns, bridges, dentures and implants

Other services that are more cosmetic or elective in nature, such as teeth whitening or orthodontic care, typically aren’t covered by dental insurance plans, leaving an out-of-pocket expense for those who want those services.

Types of Dental Insurance

There are several types of dental insurance, but here are the most common ones:

• Dental Preferred Provider Organization (DPPO) : This type of insurance works with a network of dentists who agree to provide services at a certain cost for the insurance provider. There’s value to having these discounts when using contracted dentists, but with these dental insurance plans you also have an option to choose out-of-network dentists with reduced coverage.
• Dental Health Maintenance Organization (DHMO) : A network of dentists are paid a fee each month for the patient’s care. In exchange, they provide services at a reduced cost for the patient. You typically have to stay in network under an HMO.
• Dental Point of Service (DPOS) : Patients can see out-of-network providers, but they’ll save money by staying within the insurer’s network.

All of the providers listed below offer DPPO and DHMO plans.

Average Costs

Prices for the best dental insurance vary depending on whether you’re purchasing an individual plan or a family plan, where you live, which dental insurance provider you choose and in some cases, any preexisting conditions that might apply.

For example, based on search results from  eHealth , monthly premiums for dental insurance plans range from $11 to $60 per month for a 27-year-old nonsmoking male in Atlanta, Georgia, with most available dental insurance for individuals priced between $25 and $50. The monthly premium for a 59-year-old male in the same area is more likely to be between $25 and $50 or above. For both individuals, the annual deductible will be on average around $50. The average yearly maximum benefit ranges between $1,000 and $3,000, in line with national averages.

Is Dental Insurance Worth It?

The American Dental Association  estimates  that in 2013, adults without dental insurance plans paid on average between $685 and $1,624 per year out of pocket for market value dental care. All age groups face more financial obstacles to dental care than any other health service, yet children face lower financial barriers to dental care than working-aged adults and seniors, as average costs tend to increase as one grows older.

The consequences of avoiding the dentist only worsen the longer you wait. Plaque buildup, cavities and late detection of oral cancer can all be prevented with regular dentist visits.

Still, cost is the primary barrier to getting dental care,  according to the ADA . This is especially evident in recent years: About 15.2% of the U.S. population who needed dental care between 2013 and 2016 did not get it due to affordability, lack of coverage for their procedures and other financial hurdles.

Fortunately, you have plenty of budget-friendly dental insurance policies to choose from.

Frequently Asked Questions

How much does dental insurance cost.

Dental insurance premiums typically range between $25 and $50 per month. When your dental insurance’s annual maximum is reached, you may have to pay out-of-pocket charges.

Can I bundle dental, vision and health insurance?

In most circumstances, it is unlikely. Most health insurance policies do not provide dental or vision insurance unless otherwise noted. Unlike health insurance, there is no particular enrollment time for dental and vision insurance. There are some providers, like Anthem Blue Cross Blue Shield, that allow you to bundle dental, vision and health insurance.

Can you buy stand-alone dental insurance?

Yes, you can purchase dental coverage as a separate, stand-alone dental plan or as part of a health plan.

Is dental insurance worth purchasing?

Yes, as it can both help you save money on dental procedures and it can be a strong incentive to keep those preventive-care appointments. If you’ve already spent money for the insurance, you’re more likely to go to the dentist. In the long run, a smaller amount spent on cleanings and X-rays can help prevent more money needed for more time-consuming and costly dental procedures.

What is the most accepted dental insurance company?

Cigna and UnitedHealthcare are two of the most accepted dental insurance companies in the country.

What is the best dental insurance with no waiting period?

Many dental insurance plans require a waiting period of months before some services are covered, leaving you with the option of postponing necessary procedures or paying the total cost out of pocket. No-wait dental insurance begins coverage on the first day. Several dental insurance companies, such as Cigna, Delta Dental, Humana and Renaissance Dental, offer dental insurance plans with no waiting period for preventative services.

• American Dental Association
• The Per-Patient Cost of Dental Care: A Look Under the Hood
• Types of Dental Plans
• Main Barriers to Getting Needed Dental Care All Relate to Affordability
• National Association of Dental Plans – Dental is Different: Facts About Dental Benefits
• PubMed – The Case for Dental Preferred Provider Organizations
• Statista – Market share of leading health insurance companies in the United States in 2020, by direct premiums written

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

Guardian Dental Insurance Review, Prices & Plans Guardian Dental Insurance Review, Prices & Plans

Physicians Mutual Dental Insurance Review Physicians Mutual Dental Insurance Review

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The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Watch CBS News

Doctors take on dental duties to reach low-income and uninsured patients

By Kate Ruder

April 9, 2024 / 5:00 AM EDT / KFF Health News

DENVER — Pediatrician Patricia Braun and her team saw roughly 100 children at a community health clinic on a recent Monday. They gave flu shots and treatments for illnesses like ear infections. But Braun also did something most primary care doctors don't. She peered inside mouths searching for cavities or she brushed fluoride varnish on their teeth.

"We're seeing more oral disease than the general population. There is a bigger need," Braun said of the patients she treats at Bernard F. Gipson Eastside Family Health Center, which is part of Denver Health , the largest safety-net hospital in Colorado, serving low-income, uninsured, and underinsured residents.

Braun is part of a trend across the United States to integrate oral health into medical checkups for children, pregnant women, and others who cannot afford or do not have easy access to dentists. With federal and private funding, these programs have expanded in the past 10 years, but they face socioeconomic barriers, workforce shortages, and the challenge of dealing with the needs of new immigrants.

With a five-year, $6 million federal grant, Braun and her colleagues have helped train 250 primary care providers in oral health in Colorado, Montana, Wyoming, and Arizona. Similar projects are wrapping up in Illinois, Michigan, Virginia, and New York, funded by the federal Health Resources and Services Administration's Maternal and Child Health Bureau. Beyond assessment, education, and preventive care, primary care providers refer patients to on- or off-site dentists, or work with embedded dental hygienists as part of their practice. 

"Federally qualified health centers have a long history of co-locating dental services within their systems," Braun said. "We're taking that next step where care is not just co-located, meaning, say, we're upstairs and dental is downstairs, but we're integrated so that it becomes part of the same visit for the patient."

Having doctors, nurses, and physician assistants who assess oral health, make referrals, and apply fluoride at community health centers is critical for the many children who lack access to dental care, said Tara Callaghan, director of operations for the Montana Primary Care Association, which represents 14 federally qualified health centers and five Urban Indian organizations.

"Providing these services during medical visits increases the frequency of fluoride application," Callaghan said, and "improves parents' knowledge of caring for their child's teeth." But obstacles remain.

Because of Montana's large geographic area and small population, recruiting dental professionals is difficult, Callaghan said. Fifty of the state's 56 counties are designated dental shortage areas and some counties don't have a single dentist who takes Medicaid, she added. Montana ranks near the bottom for residents having access to fluoridated water , which can prevent cavities and strengthen teeth.

Pediatric dental specialists, in particular, are scarce in rural areas, with families sometimes driving hours to neighboring counties for care, she said.

Embedding dental hygienists with medical doctors is one way to reach patients in a single medical visit.

Valerie Cuzella, a registered dental hygienist, works closely with Braun and others at Denver Health, which serves nearly half of the city's children and has embedded hygienists in five of its clinics that see children.

State regulations vary on which services hygienists can provide without supervision from a dentist. In Colorado, Cuzella can, among other things, independently perform X-rays and apply silver diamine fluoride, a tool to harden teeth and slow decay. She does all this in a cozy corner office.

Braun and Cuzella work so closely that they often finish each other's sentences. Throughout the day they text each other, taking advantage of brief lulls when Cuzella can pop into an exam room to check for gum disease or demonstrate good brushing habits. Braun herself takes similar opportunities to assess oral health during her exams, and both focus on educating parents.

Medical and dental care have traditionally been siloed. "Schools are getting better at interprofessional collaboration and education, but by and large we train separately, we practice separately," said Katy Battani, a registered dental hygienist and assistant professor at Georgetown University.

Battani is trying to bridge the divide by helping community health centers in nine states — including California, Texas, and Maryland — integrate dental care into prenatal visits for pregnant women. Pregnancy creates opportunities to improve oral health because some women gain dental coverage with Medicaid and see providers at least once a month, Battani said.

In Denver, housing instability, language barriers, lack of transportation, and the "astronomical cost" of dentistry without insurance make dental care inaccessible for many children, the migrant community, and seniors , said Sung Cho, a dentist who oversees the dental program at STRIDE Community Health Center, serving the Denver metro area.

STRIDE tries to overcome these barriers by offering interpretation services and a sliding pay scale for those without insurance. That includes people like Celinda Ochoa, 35, of Wheat Ridge, who waited at STRIDE Community Health Center while her 15-year-old son, Alexander, had his teeth cleaned. He was flagged for dental care during a past medical checkup and now he and his three siblings regularly see a dentist and hygienist at STRIDE.

One of Ochoa's children has Medicaid dental coverage, but her three others are uninsured, and they couldn't otherwise afford dental care , said Ochoa. STRIDE offers an exam, X-rays, and cleaning for $60 for the uninsured.

In the past year, Cho has seen an influx of migrants and refugees who have never seen a dentist before and need extensive care. Medical exams for refugees at STRIDE increased to 1,700 in 2023 from 1,300 in 2022, said Ryn Moravec, STRIDE's director of development. She estimates the program has seen 800 to 1,000 new immigrants in 2024.

Even with growing needs, Cho said the Medicaid "unwinding" — the process underway to reexamine post-pandemic eligibility for the government program that provides health coverage for people with low incomes and disabilities — has created financial uncertainty. He said he worries about meeting the upfront costs of new staff and of replacing aging dental equipment. 

At STRIDE's Wheat Ridge clinic, two hygienists float between dental and pediatrics as part of the medical-dental integration. Yet Cho said he needs more hygienists at other locations to keep up with demand. The pandemic created bottlenecks of need that are only now being slowly cleared, particularly because few dentists take Medicaid. If they do accept it, they often limit the number of Medicaid patients they'll take, said Moravec. Ideally, STRIDE could hire two hygienists and three dental assistants, Moravec said.

In 2022, Colorado enacted a law to alleviate workforce shortages by allowing dental therapists — midlevel providers who do preventive and restorative care — to practice. But Colorado does not have any schools to train or accredit them. 

Before age 3, children are scheduled to see a pediatrician for 12 well visits, a metric that medical and dental integration capitalizes on , particularly for at-risk children. As part of Braun's program in the Rocky Mountain region, providers have applied more than 17,000 fluoride varnishes and increased the percentage of children 3 and younger who received preventive oral health care to 78% from 33% in its first 2½ years.

Callaghan, at the Montana Primary Care Association, witnesses that on the ground at community health centers in Montana. "It's about leveraging the fact that kids see their medical provider for a well-child visit much more often and before they see their dental provider — if they have one."

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

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