Introduction
A cavity can be painful, but the cost of treating it shouldn’t be. If you’re wondering how much does dental filling cost, you’re not alone. Whether you have insurance or not, understanding the pricing and ways to save can help you get the care you need without breaking the bank.
The cost of a dental filling varies from $50 to $500 per tooth, depending on the material used, dentist’s location, and complexity of the procedure. While dental insurance may cover part of the cost, many people still struggle to afford treatment.
The good news? There are ways to reduce the cost of fillings, including membership plans, financing, and dental discount programs. This guide will help you understand the pricing, options, and how to save on your next dental visit.
How Much Does a Dental Filling Cost?
The cost of a dental filling depends on multiple factors, such as the material used, the size of the cavity, and whether you have insurance.
Average Cost of Dental Fillings
| Filling Type | Cost With Insurance | Cost Without Insurance |
|---|---|---|
| Amalgam (Silver) | $50 – $150 | $100 – $250 |
| Composite (Tooth-Colored) | $90 – $250 | $150 – $450 |
| Gold Filling | $300 – $1,000 | $600 – $1,500 |
| Ceramic Filling | $250 – $500 | $400 – $1,500 |
Tip: Amalgam (silver) fillings are the most affordable, while gold and ceramic fillings offer better aesthetics and durability but at a higher cost.
Factors That Affect Dental Filling Cost
✔ Type of Filling Material: Silver fillings are cheaper, while composite, gold, and ceramic cost more.
✔ Size and Location of the Cavity: Larger cavities and back teeth fillings tend to cost more.
✔ Dentist’s Experience & Location: Prices vary by region, with urban areas generally charging more.
✔ Additional Treatments Needed: Some patients may require X-rays, numbing, or additional procedures, increasing the final cost.
✔ Dental Insurance Coverage: Some plans cover 80-100% of filling costs, while others only cover a percentage.
How to Save on Dental Fillings Without Insurance
1. Join a Dental Membership Plan
If you don’t have insurance, a dental savings plan can help you save 20-50% on fillings and other treatments. These plans offer:
✔ Low monthly or annual fees
✔ Discounted rates on dental procedures
✔ No waiting periods or claim forms
Find a dentist offering membership plans at The Patient Marketplace.
2. Look for a Dental Discount Plan
Unlike traditional insurance, dental discount plans provide immediate savings on fillings and other procedures.
✔ Covers basic & major treatments
✔ No pre-existing condition exclusions
✔ Accepted at thousands of dental offices nationwide
Some plans also cover cleanings, crowns, and root canals!
3. Ask About Payment Plans & Financing
If you can’t afford a filling upfront, many dentists offer financing to break down the cost into manageable payments.
✔ CareCredit – 0% interest for 6-24 months
✔ LendingClub – Fixed, low-interest installment loans
✔ Proceed Finance – Long-term payment plans
Some dentists also offer in-house payment plans with NO credit check.
4. Use a Health Savings Account (HSA) or Flexible Spending Account (FSA)
If you have an HSA or FSA, you can use pre-tax dollars for:
✔ Dental fillings & restorations
✔ Preventive treatments like cleanings & exams
✔ Emergency dental care
FSAs expire at the end of the year, so use your funds before they’re gone!
5. Visit a Low-Cost Dental Clinic or Dental School
Many dental schools and community health clinics offer low-cost or even free dental fillings.
Check HRSA.gov to find a low-cost dental provider near you.
Does Insurance Cover Dental Fillings?
If you have dental insurance, your plan may cover most or all of the cost of basic fillings.
✔ PPO Plans: Typically cover 80-100% of fillings after the deductible is met.
✔ HMO Plans: May have lower copays for fillings.
✔ Medicaid: Covers fillings for children and some low-income adults in certain states.
Always confirm coverage with your provider before scheduling treatment!
Real-Life Savings Story: How Rachel Cut Her Filling Cost in Half
Rachel, a 28-year-old teacher, was shocked when her dentist quoted her $400 for a composite filling. Without insurance, she feared she would have to delay treatment.
How Rachel Saved Money:
✔ Joined a dental membership plan and saved 40% off her filling
✔ Used her FSA account to cover the remaining cost tax-free
✔ Chose an in-network provider to get additional savings
“Without a dental savings plan, I wouldn’t have been able to afford my filling. Now, I can smile confidently!” – Rachel
Want to save on dental fillings? Visit The Patient Marketplace today!
FAQs About Dental Filling Cost
How much does a filling cost per tooth?
Depending on the material, a filling costs between $50 and $500.
Does dental insurance cover fillings?
Most PPO plans cover 80-100% of the cost for basic fillings.
Can I finance a filling if I don’t have insurance?
Yes! Many dentists offer 0% interest financing or in-house payment plans.
Are composite fillings better than silver fillings?
Composite fillings look more natural, but silver fillings are more durable and affordable.
How long do fillings last?
✔ Amalgam (silver): 10-15 years
✔ Composite (tooth-colored): 5-10 years
✔ Gold: 15-30 years
✔ Ceramic: 10-20 years
Final Thoughts
If you’ve been wondering how much does dental filling cost, you now have a better idea of what to expect and how to save. Whether you have insurance or not, there are affordable solutions like membership plans, financing, and discount programs to make treatment accessible.
Ready to get a filling without overpaying? Visit The Patient Marketplace today!
