The Hidden Truth About Root Canal Costs—And How to Pay Less
If you’ve ever been hit with an unexpected dental bill, you know the anxiety that comes with it. A root canal is one of those necessary but often costly procedures. But here’s the good news—you don’t have to overpay. Whether you have dental insurance, no insurance, or a membership plan, this guide will show you exactly how to cut your costs, find the best pricing, and ensure you’re getting top-quality care without breaking the bank.
What’s the Average Cost of a Root Canal with Insurance?
The cost of a root canal varies based on the tooth being treated, your location, and whether you’re seeing a general dentist or an endodontist (a root canal specialist).
Here’s a general breakdown of root canal costs before insurance:
- Front tooth (incisor or canine): $600 – $1,100
- Premolar: $700 – $1,300
- Molar: $1,000 – $1,800
- Post and Core (support for crown after a root canal): $250 – $400
- Crown (needed after most root canals): $800 – $2,500
How Much Does Dental Insurance Cover? Most dental insurance plans cover 50%-80% of the cost of a root canal after meeting your deductible. However, your out-of-pocket cost will depend on:
- Your deductible (often $50–$150 per year)
- Your plan’s maximum coverage (usually $1,000–$2,000 per year)
- In-network vs. out-of-network pricing
Pro Tip: If your insurance benefits are maxed out, ask your dentist if they allow “split billing” to push part of the cost into the next calendar year!
What If You DON’T Have Dental Insurance?
If you don’t have dental insurance, the thought of paying $1,000+ out of pocket can be stressful. But don’t worry—there are several ways to lower your costs:
1. Use a Dental Membership Plan
Many dentists offer in-office membership plans, which can reduce the cost of a root canal by 20-50%. These plans work like a Costco membership—you pay a small monthly or yearly fee and get major discounts on procedures.
The Patient Marketplace (thepatientmarketplace.com) is a great place to find dentists offering membership plansnear you.
2. Find a Dentist Offering Payment Plans
Some dental offices allow interest-free financing, which means you can spread out the cost over several months. Ask about CareCredit, Sunbit, or in-house financing.
3. Visit a Dental School
Dental schools offer quality care at a fraction of the price—often 30-50% lower than private practices. Students perform procedures under expert supervision, ensuring safe and effective treatment.
4. Get a Second Opinion
Not all dentists charge the same prices. If a quote seems high, shop around—you might find another provider charging hundreds less for the same procedure.
Real-Life Savings: How Sarah Cut Her Root Canal Costs in Half
Sarah, a 35-year-old freelancer, needed a root canal but didn’t have dental insurance. Her first quote was $1,500 from an endodontist. Instead of paying full price, she: ✅ Found a dentist on The Patient Marketplace offering a membership plan
✅ Used the membership discount (saved $400)
✅ Opted for a payment plan (spread cost over 6 months)
Final cost: $750 instead of $1,500—she saved 50%!
How to Find Affordable Dental Care Right Now
If you’re looking to save money on your root canal, start by: ✔️ Checking your dental insurance benefits (if applicable)
✔️ Searching for a dentist offering membership plans via The Patient Marketplace
✔️ Asking about payment plans and financing options
✔️ Considering a dental school or discount dental clinic
Ready to find a more affordable dentist? Visit The Patient Marketplace today and start saving!
Final Thoughts
A root canal doesn’t have to drain your bank account. With insurance, membership plans, and smart financial choices, you can save hundreds—even thousands—on your dental care. Use these tips, do your research, and take control of your dental costs.
