Wondering How Much a Dental Crown Costs with Insurance? You’re Not Alone
If your dentist has recommended a dental crown, you might be wondering:
How much will I have to pay out of pocket?
Does insurance cover 100% of the cost?
Are there ways to lower my costs even more?
A dental crown is a long-term solution for protecting and restoring a damaged tooth, but it can be expensive. The average cost of a dental crown ranges from $800 to $2,500 per tooth—and even with insurance, many patients still face significant out-of-pocket costs.
The good news? You can maximize your insurance benefits and use additional savings strategies to reduce your final bill.
This guide breaks down the cost of a dental crown with insurance, how much you’ll actually pay, and the best ways to cut costs even further.
How Much Does a Dental Crown Cost with Insurance?
The total cost of a dental crown with insurance depends on several factors, including your policy’s coverage, deductible, copays, and annual maximums.
Average Cost of a Dental Crown with Insurance
✔ Porcelain Crowns – $1,000 to $2,500 (Insurance covers 50%)
✔ Ceramic Crowns – $1,000 to $2,500 (Insurance covers 50%)
✔ Metal Crowns (Gold, Silver, or Platinum) – $900 to $2,500 (Insurance covers 50-80%)
✔ Porcelain-Fused-to-Metal (PFM) Crowns – $900 to $1,500 (Insurance covers 50-80%)
✔ Zirconia Crowns – $1,000 to $2,500 (Insurance covers 50%)
✔ Resin Crowns – $500 to $1,300 (Insurance covers 50-80%)
Most dental insurance plans cover about 50% of the cost, but patients are still responsible for the remaining balance.
How Much Will You Pay Out of Pocket?
Even with insurance, you’ll likely have some out-of-pocket costs. Here’s what you need to consider:
✔ Deductible – Many plans require you to pay $50-$150 before coverage kicks in.
✔ Copayment – You may be responsible for 20-50% of the crown’s cost.
✔ Annual Maximum – Most dental plans cap benefits at $1,000 to $2,000 per year, which may not cover multiple crowns.
✔ Waiting Periods – Some insurance plans require a waiting period before covering crowns (often 6-12 months).
Even with insurance, your out-of-pocket cost can still be hundreds of dollars—but there are ways to reduce it!
How to Lower Your Out-of-Pocket Costs on a Dental Crown
1. Use a Dental Membership Plan for Additional Discounts
If your insurance only covers part of the cost, a dental membership plan can further reduce your expenses by 30-60%.
Example Savings With a Membership Plan:
✅ Porcelain Crown: $1,500 → Insurance covers 50% ($750) → Membership plan covers another 30% ($225)
✅ Zirconia Crown: $2,000 → Insurance covers 50% ($1,000) → Membership plan covers another 30% ($300)
✔ Low annual fee ($150-$400/year)
✔ Discounts on crowns, cleanings, and exams
✔ No waiting periods or claim rejections
➡ Find dentists offering membership plans at The Patient Marketplace.
2. Choose an In-Network Dentist
Most insurance companies have a network of preferred providers. Visiting an in-network dentist can significantly lower your costs since they’ve negotiated discounted rates.
Check with your insurance provider to find an in-network dentist near you.
➡ Compare in-network dentists at The Patient Marketplace.
3. Use a Flexible Spending Account (FSA) or Health Savings Account (HSA)
If your employer offers an FSA or HSA, you can use pre-tax dollars to cover the cost of your crown—reducing your overall expense.
✔ FSAs must be used within the plan year
✔ HSAs roll over and can be saved for future treatments
✔ Can cover deductibles, copays, and non-covered treatments
If you have an FSA or HSA, use it to cut costs!
4. Consider Financing Options & Payment Plans
If your insurance only covers part of the crown, many dentists offer monthly payment plans to help spread out the cost.
CareCredit & LendingClub – 0% financing available for qualified applicants
In-house payment plans – Monthly installments with no interest
Third-party lenders – Low-interest loans for dental procedures
➡ Find financing-friendly dentists on The Patient Marketplace.
Real Patient Story: How Megan Cut Her Crown Cost in Half
Megan, a 40-year-old teacher, needed a porcelain crown for a broken tooth. Her dentist quoted her $1,500, and her insurance covered 50% ($750).
Solution? She signed up for a dental membership plan, which saved her another 30% off her remaining balance.
✔ Original cost: $1,500
✔ Insurance covered: $750
✔ Membership plan discount: $225
✔ Final cost: $525 (instead of $750)
➡ Now, Megan has a durable, high-quality crown at half the original price!
Like Megan, you can maximize your insurance and use a membership plan to save even more.
Where to Find Affordable Dental Crowns with Insurance
Need a dental crown but don’t want to overpay? The Patient Marketplace connects you with affordable dentists, membership plans, and financing options that work with insurance.
✅ Compare pricing & find in-network dentists
✅ Save 30-60% on your remaining out-of-pocket costs
✅ Find flexible payment plans that fit your budget
➡ Click here to explore affordable dental crown options now!
Frequently Asked Questions About the Cost of a Dental Crown with Insurance
Q: What percentage of a dental crown does insurance cover?
Most insurance plans cover 50% of a dental crown, but some may cover up to 80%, depending on the material and reason for treatment.
Q: Does insurance cover cosmetic dental crowns?
No. Insurance typically only covers crowns that are medically necessary due to damage or decay.
Q: How can I lower my out-of-pocket cost for a crown?
✔ Use a dental membership plan (save 30-60%)
✔ Choose an in-network dentist
✔ Use an FSA or HSA account
✔ Ask about financing or payment plans
Q: Where can I find an affordable dentist for a crown with insurance?
Visit The Patient Marketplace to compare affordable dental providers that accept insurance.
