How Much Does a Tooth Filling Cost Without Insurance?
If you have a cavity or tooth decay, a dental filling is necessary to restore the tooth and prevent further damage. But without insurance, you may be concerned about the high cost of treatment.
The cost of a tooth filling without insurance ranges from $100 to $500 per tooth, depending on the material used, cavity size, and location.
For those without insurance, the price can seem overwhelming, but affordable options exist. Dental membership plans, payment programs, and low-cost dental clinics can help you reduce out-of-pocket expenses and still receive high-quality care.
Let’s break down tooth filling costs, factors that affect pricing, and the best ways to save money on professional fillings.
Breakdown of Tooth Filling Costs Without Insurance
The cost of a filling depends on the material, cavity size, and dental provider.
| Filling Type | Cost Without Insurance | Cost With Membership Plan | Potential Savings |
|---|---|---|---|
| Silver Amalgam | $100 – $250 | $50 – $150 | 30-60% |
| Composite (Tooth-Colored) | $150 – $300 | $75 – $200 | 30-60% |
| Gold Filling | $250 – $4,500 | $200 – $800 | 30-50% |
| Porcelain Filling | $300 – $4,500 | $250 – $900 | 30-50% |
Silver amalgam is the cheapest option, while gold and porcelain fillings are premium choices.
Types of Tooth Fillings and Their Costs
1. Silver Amalgam Fillings ($100 – $250 per tooth)
✔ Durable and long-lasting (10-15 years).
✔ Most affordable option, but noticeable in appearance.
✔ Commonly used for molars and back teeth.
2. Composite Resin Fillings ($150 – $300 per tooth)
✔ Tooth-colored for a natural look.
✔ Less durable than metal fillings (5-10 years).
✔ More expensive but aesthetically preferred.
3. Gold Fillings ($250 – $4,500 per tooth)
✔ Extremely durable, lasting 20+ years.
✔ Expensive and rarely used today.
✔ Often considered a premium cosmetic option.
4. Porcelain Fillings ($300 – $4,500 per tooth)
✔ Blends seamlessly with natural teeth.
✔ Stain-resistant but more expensive.
✔ Used mainly for front teeth and cosmetic restorations.
Composite and porcelain fillings are the most popular due to their natural appearance, while silver amalgam is the most budget-friendly.
How to Save Money on the Cost of Tooth Filling Without Insurance
If the cost of a filling concerns you, there are smart ways to reduce expenses without sacrificing quality.
1. Use a Dental Membership Plan
A dental membership plan is an excellent alternative to insurance, offering discounted rates on fillings without waiting periods or approval processes.
✅ Instant savings (30-60% off fillings)
✅ No annual limits or deductibles
✅ Affordable treatment without insurance
Example Savings: A composite filling that costs $250 could be reduced to $125 with a membership plan.
Find a dental membership plan at The Patient Marketplace.
2. Ask About Payment Plans
Many dentists offer financing options, making fillings more affordable.
✔ CareCredit – 0% interest for qualified applicants.
✔ Sunbit – Easy financing with high approval rates.
✔ In-house payment plans – Some dental offices allow monthly payments.
3. Visit a Dental School for Low-Cost Fillings
Dental schools provide affordable fillings performed by students under professional supervision.
4. Use an HSA or FSA Account
A Health Savings Account (HSA) or Flexible Spending Account (FSA) allows you to pay for fillings tax-free, reducing overall costs.
5. Look for New Patient Specials
Many dental offices offer discounts for first-time patients, including:
✔ Discounts on exams & X-rays
✔ Percentage off first filling
✔ Referral incentives
Call local dental offices and ask about their special promotions!
Why You Shouldn’t Delay Getting a Filling
Delaying a filling to avoid costs can lead to more expensive treatments later.
⚠ Cavities grow deeper, leading to root canals or extractions.
⚠ Untreated decay can cause pain and infections.
⚠ Fillings prevent the need for crowns, bridges, or implants.
Early treatment saves money and prevents serious dental issues.
Success Story: How One Patient Saved 50% on Fillings Without Insurance
Meet Jake, a 35-year-old who avoided the dentist due to cost concerns. After experiencing tooth pain, he was told he needed three fillings.
Initial Cost Estimate: $900 for three composite fillings.
His Solution: Jake joined a membership plan through The Patient Marketplace for $25 per month.
Final Cost: $450 total—a 50% savings!
“I was relieved to find an affordable way to get fillings. Now, I don’t wait until pain forces me to see a dentist!”– Jake, 35
FAQs About the Cost of Tooth Filling Without Insurance
How much does a tooth filling cost without insurance?
A silver filling costs $100 – $250, while composite fillings cost $150 – $300 per tooth.
Does insurance cover fillings?
Most insurance plans cover 50-80% of basic fillings, but premium materials like gold and porcelain may not be covered.
Can I get a free or low-cost filling?
Some nonprofits and dental schools provide low-cost or sliding-scale fillings for those in need.
What happens if I don’t get a filling?
Untreated cavities can lead to root canals, tooth extractions, and severe infections—all of which are more expensive than a filling.
Where can I find an affordable dentist for fillings?
Check The Patient Marketplace for discounted membership plans at trusted dental offices.
Final Thoughts: Don’t Let Cost Keep You from Treating Cavities
Getting a filling is a simple and affordable way to protect your teeth, and there are plenty of ways to save on treatment.
How to Save on Fillings:
✔ Join a dental membership plan (save 30-60%)
✔ Ask about financing & payment plans
✔ Look for new patient specials
Ready to protect your smile? Visit The Patient Marketplace to find affordable filling options today!
