Smart Strategies to Keep Your Smile Healthy Without Breaking the Bank
The High Cost of Dental Care and Average Price of a Crown: A Reality Check
The cost of dental work in the U.S. is notoriously expensive, and when it comes to something as crucial as a dental crown, the price can vary significantly.
If you’re wondering:
What’s the average price of a dental crown?
How can I afford one without insurance?
Are there ways to cut costs with insurance or a membership plan?
You’re in the right place. Let’s break down the costs and explore affordable options.
What Is the Average Price of a Dental Crown?
A dental crown is a cap placed over a damaged tooth to restore its shape, size, strength, and appearance. The price depends on materials, location, and your dentist’s expertise.
Average Costs by Type of Crown:
| Crown Type | Average Cost |
|---|---|
| Porcelain-Fused-to-Metal | $800 – $1,500 |
| All-Ceramic or Porcelain | $1,000 – $2,500 |
| Gold or Metal Alloy | $1,200 – $3,000 |
| Zirconia | $1,000 – $2,500 |
Pro Tip: If you need a crown on a molar (back tooth), metal or zirconia may be the most durable option.
Factors That Affect the Price
- Dentist’s Experience & Location – Urban areas tend to have higher prices.
- Materials Used – Porcelain and zirconia cost more but provide a natural look.
- Insurance Coverage – Many plans only cover 50% of the cost.
- Lab Fees – Custom crowns made in specialized labs add to the price.
How to Save on Dental Crowns
The good news? You don’t have to overpay. Here’s how to cut costs:
1. Dental Insurance: What’s Covered?
Most PPO dental insurance plans cover 50% of a dental crown after you meet your deductible. However, there are limitations:
- Annual Coverage Limits – Many plans max out at $1,500 per year.
- Waiting Periods – Some plans require a 6-12 month wait before major procedures are covered.
- Out-of-Network Costs – Your dentist may charge more if they’re not in-network.
How to Maximize Insurance Benefits
✅ Choose an in-network dentist for lower rates.
✅ Use your FSA or HSA to pay tax-free.
✅ Consider splitting treatments across two calendar years to maximize insurance benefits.
2. Pay Less With a Dental Membership Plan
Don’t have insurance? A dental membership plan is an excellent alternative. These in-office plans offer:
✔ Discounted rates (often 20-50% off) on crowns, cleanings, and fillings.
✔ No waiting periods, annual limits, or deductibles.
✔ Flat annual fee (typically $100-$300 per year).
Real Savings Example:
Sarah needed a zirconia crown costing $1,500. With her dentist’s membership plan, she paid just $1,000—saving $500 instantly!
Find a Dentist With a Membership Plan
Sites like The Patient Marketplace connect you with dental practices offering affordable membership plans.
3. Consider Dental Schools
Dental schools provide low-cost crowns (often 30-50% cheaper than private practices) because licensed students perform procedures under supervision.
4. Ask About Cash Discounts or Payment Plans
Many dentists offer: ✔ 5-10% off for cash payments.
✔ 0% financing with CareCredit or in-house payment plans.
Which Option Is Best for You?
| Option | Best for… | Savings Potential |
|---|---|---|
| Dental Insurance | Those who already have a plan & can wait for coverage | 50% off (after deductible) |
| Membership Plans | People without insurance who need immediate savings | 20-50% off |
| Dental Schools | Patients with flexible schedules | 30-50% off |
| Cash Discounts/Payment Plans | Anyone willing to pay upfront or finance the cost | 5-10% off |
Take Action: Get Affordable Dental Care Today
Now that you know the average price of a crown and how to save, it’s time to act.
✅ Have insurance? Call your provider to confirm coverage.
✅ Need a membership plan? Find a dentist at The Patient Marketplace.
✅ Looking for a discount? Ask your dentist about cash-pay pricing or financing options.
Taking control of your dental costs doesn’t have to be stressful. With the right approach, you can protect your smile—without draining your wallet.
