How to Save on Dental Costs With and Without Insurance
Dental expenses can be overwhelming, especially when it comes to procedures like dental crowns. Many people delay or avoid essential dental care due to high costs and confusion about insurance coverage. Fortunately, there are ways to manage dental crowns cost with insurance, as well as options for those without traditional coverage.
In this guide, we’ll explore how to minimize out-of-pocket expenses, leverage dental membership plans, and make informed decisions about your oral health without financial stress.
Understanding Dental Crowns Cost With Insurance
A dental crown is a tooth-shaped cap placed over a damaged or decayed tooth to restore its function and appearance. However, the cost varies widely depending on factors like material, dentist expertise, and insurance coverage.
Average Cost of Dental Crowns With Insurance
Most dental insurance plans cover crowns partially, typically under major restorative procedures. Here’s a breakdown of potential costs:
| Crown Material | Without Insurance | With Insurance (50% Coverage) |
|---|---|---|
| Porcelain | $800 – $3,000 | $400 – $1,500 |
| Metal Alloy | $600 – $2,500 | $300 – $1,250 |
| Porcelain-Fused-to-Metal | $700 – $2,800 | $350 – $1,400 |
| Zirconia | $900 – $3,500 | $450 – $1,750 |
Key Takeaways:
- Most insurance plans cover 50% of the cost, but some may cover up to 80% for in-network dentists.
- Coverage depends on your plan’s annual maximum, which is usually between $1,000 – $2,000.
- Some policies require a waiting period before covering crowns, often 6-12 months.
Why Dental Crowns Are So Expensive
Several factors contribute to the high cost of dental crowns:
- Material Selection: Porcelain, zirconia, and metal alloys differ in durability and aesthetic appeal.
- Laboratory Fees: Custom crowns require precise fabrication, which adds to the expense.
- Dentist Expertise: Highly experienced dentists may charge more for their services.
- Geographic Location: Prices vary by region, with urban areas typically costing more.
How to Lower the Cost of Dental Crowns
If you need a dental crown but are concerned about the cost, consider these money-saving strategies:
1. In-Network Dentists
Insurance companies negotiate lower rates with in-network providers, reducing your out-of-pocket costs significantly.
Tip: Call your insurance company or check their website for a list of in-network dentists before booking an appointment.
2. Dental Discount Plans & Memberships
Dental savings plans, like in-office membership plans, offer affordable alternatives to traditional insurance.
How It Works:
- You pay a fixed annual or monthly fee (e.g., $150–$300/year).
- Members receive discounted rates on procedures, including crowns, cleanings, and fillings.
- No waiting periods, deductibles, or annual maximums.
The Patient Marketplace (thepatientmarketplace.com) connects patients with dentists offering membership plans, making dental care more accessible.
3. Payment Plans & Financing Options
Many dentists offer flexible financing to break up costs into manageable payments.
Popular Options:
- CareCredit – Interest-free financing if paid within a promotional period.
- Dental Payment Plans – Directly through the dentist’s office.
- HSAs & FSAs – Use tax-free savings for eligible expenses.
4. Dental Schools & Clinics
Teaching institutions provide affordable dental care supervised by licensed professionals.
- Savings of 30-50% compared to private dental offices.
- Extended appointment times but high-quality treatment.
5. Shop Around & Compare Prices
Not all dentists charge the same fees for dental crowns. Request itemized cost estimates from multiple providers before deciding.
What If You Don’t Have Dental Insurance?
If you don’t have dental insurance, you still have options to keep costs manageable:
- Join an in-office membership plan for discounted rates.
- Use a dental discount plan (savings of 10-60%).
- Seek treatment at a dental school for lower prices.
- Finance the procedure with payment plans.
- Negotiate cash discounts—some providers offer better rates for upfront payments.
Real Story: How a Membership Plan Saved a Patient $1,200
Sarah, a freelancer without dental insurance, needed a zirconia crown costing $2,800. She discovered The Patient Marketplace, which connected her to a local dentist offering a $199/year membership plan.
With the plan, she:
✅ Saved 40% on her procedure.
✅ Paid $1,600 instead of $2,800.
✅ Received free cleanings and discounted fillings for the year.
Takeaway: Even without traditional insurance, a membership plan can significantly lower costs.
Frequently Asked Questions
How much does a crown cost with insurance?
With 50% insurance coverage, crowns typically cost $300 to $1,750 after benefits apply.
What if my insurance doesn’t cover dental crowns?
You can explore dental discount plans, membership programs, or financing options to reduce costs.
Is it cheaper to get a dental crown abroad?
Dental tourism in countries like Mexico and Thailand can save 50-70% on dental work. However, consider travel expenses, quality of care, and follow-ups before choosing this option.
Do all dental insurance plans cover crowns?
Not always—some policies have waiting periods, exclusions, or only cover crowns for medical necessity. Always check your policy details beforehand.
Are there alternatives to dental crowns?
Yes! Onlays, fillings, and dental bonding may be options for less severe damage. Consult your dentist for alternatives.
Can I negotiate dental crown costs?
Yes! Some dentists offer cash discounts, payment plans, or reduced rates through membership programs.
Final Thoughts: Smart Strategies to Save on Dental Crowns
If you’re facing high dental crown costs, don’t panic! Whether you have insurance or not, there are affordable options to fit your budget.
✅ Use in-network providers for lower costs.
✅ Explore membership plans for discounts.
✅ Compare prices from multiple dentists before committing.
✅ Leverage financing options to spread out payments.
Want to find an affordable dentist near you? Check out The Patient Marketplace to access discounted dental care and membership plans today!
