Understanding the Cost of Cavity Fillings & How to Save on Dental Care
Tooth decay is one of the most common oral health issues, affecting 90% of adults at some point in their lives. If left untreated, cavities can lead to pain, infections, and costly procedures like root canals or extractions. But for many, the biggest concern isn’t the treatment—it’s the cost.
So, how much does it cost to get cavities filled? Prices vary depending on the type of filling material, location, and whether you have dental insurance. However, there are ways to save, including membership plans, financing options, and affordable dental clinics.
In this article, we’ll break down filling costs, insurance coverage, and money-saving strategies so you can get the dental care you need without breaking the bank.
How Much Does It Cost to Get Cavities Filled?
1. Average Cost of Cavity Fillings
The cost of filling cavities varies based on the filling material used and the complexity of the procedure.
| Filling Material | Estimated Cost (Per Tooth) Without Insurance | With Insurance (Estimated Copay) |
|---|---|---|
| Silver Amalgam | $50 – $200 | $25 – $100 |
| Composite (White Filling) | $90 – $250 | $40 – $150 |
| Ceramic (Porcelain) | $250 – $4,500 | $100 – $500 |
| Gold Fillings | $300 – $4,500 | $200 – $1,500 |
What Affects the Cost?
Several factors influence how much you’ll pay for a cavity filling:
✔ Number of Cavities: More cavities = higher costs.
✔ Filling Material: White composite and porcelain cost more than silver fillings.
✔ Tooth Location: Fillings on front teeth are typically more expensive.
✔ Dentist’s Location: Urban areas tend to have higher rates than rural clinics.
✔ Additional Procedures: If tooth decay is severe, you may need a root canal or crown, adding to the total cost.
How to Save Money on Cavity Fillings
Since the cost of fillings can be high, it’s essential to explore affordable alternatives.
1. Does Dental Insurance Cover Cavity Fillings?
Yes! Most dental insurance plans cover 80% – 100% of basic fillings.
However, coverage depends on your plan:
✔ Basic Plans: May only cover silver fillings.
✔ Comprehensive Plans: Cover composite and porcelain fillings with a small copay.
✔ Waiting Periods: Some plans require 6-12 months before they cover fillings.
TIP: If you need an immediate filling, a dental membership plan can provide instant savings (more on this below!).
2. Save with Dental Membership Plans
If you don’t have insurance, in-office membership plans can help you save 30-50% on fillings. These plans offer:
✅ Low monthly fees (as low as $10/month)
✅ Discounted rates on fillings, cleanings, and exams
✅ No waiting periods or pre-approvals
Find a dentist offering membership plans at The Patient Marketplace and start saving today!
3. Affordable Financing Options for Fillings
If you can’t afford the full cost upfront, many dentists offer payment plans through:
- CareCredit – 0% interest if paid in full within 6-12 months.
- LendingClub – Flexible monthly installment options.
- Sunbit – Approves lower credit scores than most lenders.
TIP: Ask your dentist about in-house payment plans to avoid high interest rates.
4. Low-Cost Dental Clinics & Dental Schools
For significantly lower prices, consider:
✔ Community Health Centers – Offer sliding-scale fees based on income.
✔ Dental Schools – Supervised students perform procedures at discounted rates.
✔ Nonprofit Dental Clinics – Provide low-cost or free fillings for qualifying patients.
TIP: Call local universities to find out if their dental schools accept patients for affordable treatments.
A Real-World Example: How Sarah Saved $300 on Fillings
Sarah, a single mom, was shocked when her dentist quoted her $750 for three fillings. Without insurance, she wasn’t sure how to afford the treatment.
Instead of paying full price, Sarah found a dentist through The Patient Marketplace who offered a membership plan. This plan:
✔ Reduced her total bill to $450
✔ Allowed her to pay in small monthly installments
✔ Gave her discounts on future cleanings and checkups
Sarah’s story proves that membership plans can make dental care significantly more affordable!
FAQs About the Cost of Cavity Fillings
How much does it cost to get cavities filled without insurance?
Costs range from $50 to $4,500 per tooth, depending on the material used. Silver fillings are the cheapest, while porcelain and gold fillings are the most expensive.
Are white fillings more expensive than silver fillings?
Yes, composite (white) fillings cost 30-50% more than silver fillings, but they provide a natural look and are mercury-free.
What’s the cheapest way to get a cavity filled?
The most affordable options include:
✔ Silver fillings ($50 – $200 per tooth)
✔ Dental membership plans (save up to 50%)
✔ Low-cost dental clinics or dental schools
Can I finance cavity fillings?
Yes! Many dentists offer CareCredit, LendingClub, and Sunbit to help you split the cost into manageable payments.
Is it cheaper to get fillings abroad?
Dental tourism can save 40-70% on fillings, but travel expenses and quality control should be considered.
What happens if I don’t get a cavity filled?
Ignoring cavities can lead to:
❌ Tooth decay spreading deeper
❌ Costly root canals or extractions
❌ Severe pain and infections
Final Thoughts: Are Cavity Fillings Worth the Cost?
Getting a cavity filled early can prevent serious dental issues and save you hundreds or even thousands of dollars in future treatments.
Don’t let high costs stop you from getting the care you need.
Visit The Patient Marketplace to find affordable dentists offering membership plans today!
