Introduction
A cavity can cause pain and sensitivity, but one of the biggest concerns for most people is how much does it cost for a filling? Whether you have insurance or not, knowing the cost factors and savings options can help you make an informed decision about treatment.
The cost of a dental filling ranges from $50 to $500 per tooth, depending on factors like the filling material, the size of the cavity, and the dentist’s location. While insurance often covers a portion of the cost, many people still struggle with out-of-pocket expenses.
The good news? There are several ways to reduce filling costs, including membership plans, discount programs, and financing options. This guide will explain everything you need to know about filling costs and how to save money on treatment.
How Much Does It Cost for a Filling?
The price of a dental filling depends on the type of material used, the complexity of the procedure, and whether or not you have insurance.
Average Cost of Dental Fillings
| Type of Filling | 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 option, while ceramic and gold fillings offer better durability and aesthetics at a higher price.
Factors That Affect the Cost of a Filling
✔ Filling Material: Silver fillings are the cheapest, while ceramic and gold fillings are more expensive.
✔ Cavity Size & Location: Larger cavities and fillings for back teeth tend to cost more.
✔ Dentist’s Location: Prices are higher in major cities than in rural areas.
✔ Additional Treatments: Some patients need X-rays, numbing, or deep cavity fillings, increasing costs.
✔ Dental Insurance Coverage: Some plans cover 80-100% of filling costs, while others require co-pays.
How to Save Money on a Dental Filling Without Insurance
1. Join a Dental Membership Plan
If you don’t have insurance, a dental membership plan can help reduce filling costs by 20-50%. These plans offer:
✔ Low monthly or annual fees
✔ Discounted rates on cleanings, fillings, and other treatments
✔ No waiting periods or claim forms
Find a dentist offering membership plans at The Patient Marketplace.
2. Use a Dental Discount Plan
Unlike insurance, dental discount plans provide immediate savings on fillings and other dental procedures.
✔ Covers cavity fillings & preventive care
✔ No exclusions for pre-existing conditions
✔ Accepted at thousands of dentists nationwide
Some discount plans also cover crowns, bridges, and root canals!
3. Ask About Payment Plans & Financing
If you can’t pay upfront, many dentists offer monthly installment plans to spread the cost over time.
✔ CareCredit – 0% interest financing for 6-24 months
✔ LendingClub – Fixed, low-interest installment loans
✔ Proceed Finance – Long-term financing for higher dental costs
Some dentists offer in-house financing 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 & cavity treatment
✔ Preventive treatments like cleanings & X-rays
✔ Emergency dental procedures
FSAs expire at the end of the year, so use your funds before they’re gone!
5. Visit a Dental School or Community Clinic
Many dental schools offer low-cost cavity treatment, performed by students under expert supervision.
Check HRSA.gov for affordable dental care options near you.
Does Insurance Cover Dental Fillings?
If you have dental insurance, your plan may cover most or all of the cost for basic fillings.
✔ PPO Plans: Cover 80-100% of the cost after the deductible is met.
✔ HMO Plans: Offer lower copays for fillings.
✔ Medicaid: Covers fillings for children and some adults in certain states.
Check with your provider to understand your coverage before scheduling treatment!
Real-Life Savings Story: How Amanda Saved $200 on a Filling
Amanda, a 30-year-old freelancer, was told she needed a cavity filled but was shocked by the $350 cost. Without insurance, she looked for ways to cut her expenses.
How Amanda Saved Money:
✔ Joined a dental discount plan, saving 40% off her filling
✔ Used her FSA account to cover the rest with pre-tax dollars
✔ Scheduled her appointment with a provider offering in-house financing
“Without a dental savings plan, I would’ve had to delay treatment. Now, I’m cavity-free without financial stress!” – Amanda
Want to save on dental fillings? Visit The Patient Marketplace today!
FAQs About the Cost of a Filling
How much does it cost for a filling per tooth?
A filling typically costs between $50 and $500, depending on the type of material used.
Does dental insurance cover fillings?
Most PPO insurance plans cover 80-100% of the cost for basic fillings.
Can I finance a dental 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 (tooth-colored) fillings blend better with natural teeth, but silver fillings last longer and cost less.
How long do dental 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 it cost for a filling, you now have a better understanding of the pricing, insurance coverage, and ways to save. Whether you have insurance or not, there are affordable solutions like membership plans, financing, and discount programs to make dental care more accessible.
Ready to get a filling without overpaying? Visit The Patient Marketplace today!
