Affordable Solutions for Treating Cavities Without Overspending
Worried About the Cost of a Cavity Filling? Here’s What You Need to Know
If your dentist has told you that you need a cavity filling, your first question is probably:
✔️ How much do cavity fillings cost?
✔️ Are there affordable ways to get one?
✔️ Does insurance cover fillings?
The good news? Dental fillings are one of the most affordable restorative treatments, and there are ways to lower your out-of-pocket costs—even if you don’t have insurance.
Let’s break down cavity filling costs, insurance coverage, and the best ways to save on treatment.
How Much Do Cavity Fillings Cost?
The cost of a cavity filling depends on the type of material used, tooth location, and whether or not you have insurance.
Average Cost of Cavity Fillings
| Filling Type | Cost Without Insurance | Cost With Insurance (50% Coverage) | Lifespan |
|---|---|---|---|
| Silver Amalgam (Metal Filling) | $100 – $300 | $50 – $150 | 10-15 years |
| Composite Resin (Tooth-Colored Filling) | $150 – $450 | $75 – $225 | 5-10 years |
| Ceramic (Porcelain Inlay/Onlay) | $300 – $800 | $150 – $400 | 10-20 years |
| Gold Filling | $250 – $4,500 | $125 – $2,250 | 15-30 years |
| Glass Ionomer (Temporary Filling) | $90 – $300 | $45 – $150 | 3-5 years |
Tip: Tooth-colored composite fillings are the most common choice for front teeth due to their natural appearance, while silver amalgam fillings are cheaper but more noticeable.
Factors That Affect the Cost of a Cavity Filling
Several factors determine how much you’ll pay for a cavity filling:
Filling Material – Silver amalgam is the cheapest, while ceramic and gold fillings cost more.
Size of the Cavity – Larger cavities require more material and take longer to fill.
Tooth Location – Front teeth fillings are often more expensive because they require cosmetic precision.
Dentist’s Location – Prices vary based on your city, state, and dental office.
Additional Treatments – If you need a root canal or anesthesia, your total bill increases.
Tip: Getting a cavity filled early prevents more expensive procedures like root canals or crowns.
Does Insurance Cover Cavity Fillings?
Most dental insurance plans cover 50-80% of cavity filling costs, but coverage depends on:
✔️ Your plan’s benefits – Some plans cover only basic fillings, while others cover premium materials.
✔️ Annual maximums – Most insurance plans limit coverage to $1,000 – $2,000 per year.
✔️ Waiting periods – Some plans require a 6-12 month waiting period before covering fillings.
Example: Jessica needed a $300 composite filling, and her insurance covered 50%, so she only paid $150 out of pocket.
Tip: If you don’t have insurance, there are still ways to get an affordable filling!
How to Save Money on Cavity Fillings Without Insurance
If you’re uninsured or your plan doesn’t fully cover fillings, here are ways to lower your dental costs:
1. Join a Dental Membership Plan
A dental membership plan is a low-cost alternative to insurance, offering discounted rates on fillings and other treatments.
✅ No waiting periods or deductibles.
✅ Instant savings of 20-50% on dental fillings.
✅ No annual maximum—use it whenever needed.
Example: Jason needed a composite filling costing $350. Thanks to his membership plan, he saved 40%, lowering his bill to $210.
Find affordable dental fillings at The Patient Marketplace.
2. Look for Dental Discount Plans
Dental discount plans offer reduced pricing on all dental treatments, including fillings.
✔️ Provide 10-60% off procedures
✔️ Require an annual membership fee
✔️ Work at participating dental offices
Example: A discount plan lowered Mia’s filling cost from $400 to $250, saving her $150 instantly.
3. Visit a Dental School for Low-Cost Fillings
Dental schools offer low-cost fillings, performed by students under licensed dentist supervision.
✔️ High-quality care at up to 50% lower prices
✔️ Longer appointment times but significant savings
Example: A dental school charged $120 instead of $300 for Tyler’s filling.
4. Compare Prices & Negotiate With Dentists
Not all dentists charge the same for fillings! Call multiple offices and ask about:
New patient specials
Cash discounts for upfront payments
In-office financing options
Example: Sarah saved $100 by choosing a dentist who offered a cash discount.
5. Use an HSA or FSA to Cover Costs
A Health Savings Account (HSA) or Flexible Spending Account (FSA) lets you use pre-tax dollars to pay for fillings, reducing your out-of-pocket expenses.
6. Ask About Payment Plans & Financing Options
Many dentists offer interest-free financing through third-party providers like:
✔️ CareCredit
✔️ LendingClub
✔️ In-house payment plans
Example: Tom financed his $600 worth of fillings over 6 months with zero interest, making it affordable at just $100/month.
Find an Affordable Dentist Offering Discounts on Fillings
If you’re searching for affordable dental fillings, visit The Patient Marketplace to find budget-friendly dentistsoffering:
✔️ Discounted membership plans.
✔️ Flexible financing options.
✔️ Affordable, high-quality cavity fillings.
FAQs
How long do cavity fillings last?
✔️ Silver amalgam fillings: 10-15 years
✔️ Composite fillings: 5-10 years
✔️ Ceramic fillings: 10-20 years
Can I pay for a filling in installments?
Yes! Many dentists offer payment plans or financing to help spread out the cost.
Do fillings hurt?
Most patients feel little to no pain thanks to local anesthesia and modern techniques.
Don’t wait until the cavity worsens! Find an affordable filling provider today at The Patient Marketplace!
