How Much Does a Tooth Extraction Cost with Insurance?
If your dentist has recommended a tooth extraction, you might be wondering:
How much will my insurance cover?
What will I have to pay out of pocket?
Are there ways to lower my costs even with insurance?
The cost of a tooth extraction with insurance varies depending on your dental plan, the type of extraction, and additional procedures needed. On average, insurance covers 50% to 80% of the procedure, meaning you’ll pay anywhere from $25 to $300 per tooth out of pocket.
The good news? There are strategies to reduce your costs even further and maximize your dental benefits.
This guide will break down the cost of tooth extractions with insurance, what affects pricing, and the best ways to save money on your treatment.
Tooth Extraction Cost with Insurance: What to Expect
The cost of tooth extractions depends on the type of extraction, your dental insurance coverage, and whether additional treatments like sedation or bone grafting are needed.
Average Cost of Tooth Extraction with Insurance (Per Tooth):
✔ Simple Tooth Extraction (Non-Surgical) – $75 to $300 (You pay $25 to $150)
✔ Surgical Extraction (Impacted Tooth or Broken Tooth) – $250 to $600 (You pay $75 to $350)
✔ Wisdom Tooth Extraction (Simple) – $150 to $500 per tooth (You pay $50 to $200)
✔ Wisdom Tooth Extraction (Impacted/Complex) – $225 to $1,100 per tooth (You pay $100 to $500)
✔ Full-Mouth Extractions – $1,000 to $3,000 (You pay $400 to $1,500)
Most insurance plans cover basic extractions at 50-80%, while surgical extractions (such as impacted wisdom teeth) may require a higher out-of-pocket cost.
➡ Find an insurance-friendly dentist at The Patient Marketplace.
What Affects the Cost of Tooth Extractions with Insurance?
✔ Type of Extraction Needed – Simple extractions cost less than surgical or impacted extractions.
✔ Insurance Coverage Percentage – Some plans cover 80%, while others only cover 50%.
✔ Deductible & Annual Maximum – You may need to pay a deductible before coverage applies.
✔ Use of Sedation – General anesthesia may not be covered and can add $200-$1,000.
✔ Network vs. Out-of-Network Dentists – You’ll pay more if you see an out-of-network provider.
Even with insurance, you may have some out-of-pocket costs. However, there are ways to reduce these expenses further.
How to Lower the Cost of a Tooth Extraction with Insurance
1. Choose an In-Network Dentist to Maximize Coverage
Many insurance plans offer higher coverage for in-network providers. If you go out-of-network, you might pay more.
Example Savings:
✅ In-Network Dentist: Insurance covers 80%, you pay 20%
✅ Out-of-Network Dentist: Insurance covers 50%, you pay 50%
Check your insurance provider’s network before scheduling your appointment.
➡ Find an in-network dentist at The Patient Marketplace.
2. Use a Dental Membership Plan for Extra Savings
Even if you have insurance, a dental membership plan can reduce your out-of-pocket costs by offering additional 30-60% discounts on extractions, exams, and cleanings.
Example Savings With a Membership Plan & Insurance:
✅ Surgical Extraction: $500 → Insurance covers 50% ($250) → Membership plan covers 40% of the remainder ($100), you pay $150
✔ Low annual or monthly fee ($150-$400/year)
✔ Discounts on extractions, exams, and cleanings
✔ Works alongside your insurance to maximize savings
➡ Find dentists offering membership plans at The Patient Marketplace.
3. Use Your FSA or HSA to Pay for Extractions Tax-Free
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use these funds to cover any out-of-pocket costs tax-free.
By using an FSA or HSA, you reduce your taxable income while paying for necessary dental care.
➡ Check your FSA/HSA balance before your appointment!
4. Ask About Payment Plans & Financing
If your insurance doesn’t cover the full cost or you have a high deductible, many dentists offer monthly payment options to make treatment more manageable.
CareCredit & LendingClub – 0% financing available for qualified applicants
In-house payment plans – Monthly payments with no interest
Third-party lenders – Low-interest loans for dental procedures
➡ Find financing-friendly dentists on The Patient Marketplace.
Real Patient Story: How Sarah Cut Her Tooth Extraction Costs in Half
Sarah, a 45-year-old teacher, needed a molar extraction, but her insurance only covered 50% of the cost, leaving her with a $250 bill.
Solution? She found an affordable dental provider through The Patient Marketplace, which offered:
✔ A membership plan with a 40% discount
✔ A financing plan with $50/month payments
✔ Original cost: $500
✔ Insurance covered 50%: $250
✔ Membership plan covered an additional 40% of the remaining balance: $100
✔ Total savings: $150+
➡ Now, Sarah got the treatment she needed without financial stress!
Like Sarah, you can find affordable tooth extractions by choosing the right provider and membership plan!
Where to Find Affordable Tooth Extractions with Insurance
Need a tooth extraction but want to keep your costs as low as possible? The Patient Marketplace connects you with low-cost extraction providers, membership plans, and financing options.
✅ Compare pricing & find trusted in-network dentists
✅ Save 30-60% on extractions
✅ Find flexible payment plans that fit your budget
➡ Click here to explore affordable tooth extraction options now!
Frequently Asked Questions About Tooth Extraction Costs with Insurance
Q: How much does a tooth extraction cost with insurance?
With insurance, tooth extractions typically cost $25 to $300 per tooth, depending on the complexity.
Q: Does insurance cover wisdom tooth extractions?
Yes, but coverage varies by plan. If wisdom teeth are impacted, insurance is more likely to cover the cost.
Q: What’s the best way to reduce my out-of-pocket costs?
✔ Use an in-network dentist for higher coverage
✔ Combine insurance with a dental membership plan for extra savings
✔ Ask about financing or payment plans
Q: Where can I find an affordable tooth extraction with insurance?
Visit The Patient Marketplace to compare affordable in-network extraction providers near you.
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