Are you considering a dental crown but unsure about the price? The cost of dental crowns can vary widely depending on materials, location, and your specific needs. So, what should you expect to pay, and what factors influence the final bill? In this blog we’ll break down the costs, options, and tips to help you make an informed decision about restoring your smile.
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How much do different types of dental crowns cost?
The cost of this procedure can vary widely based on the material, procedure complexity, and location of the treatment. Below is a breakdown of the general price ranges for common types of dental crowns:
1. Porcelain
- Description: Made entirely of ceramic or porcelain, these offer a natural appearance, making them ideal for front teeth.
- Cost: Typically ranges from $800 to $3,000 per each.
2. Porcelain-Fused-to-Metal (PFM)
- Description: Combines the durability of metal with a natural-looking porcelain exterior.
- Cost: Generally costs between $600 and $2,500 per each.
3. Metal (Gold or Alloy)
- Description: Crafted from gold, platinum, or base metal alloys, these are highly durable and well-suited for molars.
- Cost: Prices range from $800 to $2,500 per each, with gold crowns typically on the higher end.
4. Zirconia
- Description: Known for their strength and natural appearance, these crowns are popular for both front and back teeth.
- Cost: Typically falls between $1,000 and $3,000 per each.
5. Resin
- Description: Made of composite resin, these are a more affordable but less durable option.
- Cost: These crowns cost around $300 to $1,000 per each.
Factors Affecting The Costs
- Dentist’s Expertise: Specialists or highly experienced dentists may charge higher fees.
- Location: Costs are generally higher in urban areas or regions with elevated living expenses.
- Additional Procedures: Preparatory work, like root canals or core buildups, can increase total costs.
- Insurance Coverage: Some dental insurance plans cover part of the cost, reducing out-of-pocket expenses.
Cost Comparison of Porcelain vs. Metal Crowns
When choosing the right option for each case, patients often weigh the differences between porcelain and metal options. The decision is influenced by factors like aesthetics, durability, and cost.
- Porcelain
These are prized for their natural appearance, as they can be color-matched to surrounding teeth. They are ideal for visible areas like the front teeth. Nevertheless, their cost is higher due to the material’s aesthetic qualities and the complex manufacturing process required to ensure a precise fit and color match. The craftsmanship and precision needed to create them contribute to their premium price.
- Metal
Made from gold, platinum, or other alloys, are known for their exceptional durability and resistance to wear. They are commonly used for molars, where strength is more important than appearance. These ones are generally more affordable than porcelain ones due to their simpler manufacturing process and robust material. While they may not blend seamlessly with natural teeth, their longevity often makes them a cost-effective choice over time.
- Cost Considerations
Typically range from moderate to high in cost, depending on the type of porcelain and the procedure’s complexity. Metal ones are generally less expensive, though prices can vary based on the specific alloy used. Beyond the initial expense, it’s important to factor in long-term value—porcelain crowns may require more frequent replacements, while metal crowns offer unmatched durability.
Does Dental Insurance Cover the Cost of Crowns?
Highly known as a common dental procedure, but their cost can vary widely depending on materials, complexity, and whether you have insurance. Knowing how insurance can impact your out-of-pocket expenses is crucial to planning for this treatment.
Dental Crown Cost with Insurance
Dental insurance can significantly reduce the cost of this procedure, but coverage depends on the specifics of your plan. Most insurance policies cover approximately 50% of the crown’s cost if the procedure is deemed medically necessary, such as for damage caused by decay, injury, or wear. Patients are typically responsible for deductibles, copays, or coinsurance. However, insurance plans often include annual limits on coverage amounts or waiting periods before the procedures are fully covered, especially for non-urgent or cosmetic purposes.
Dental Crown Cost Without Insurance
Without insurance, the cost ranges from $800 to $3,000 or more, depending on the material (e.g., porcelain, metal, or ceramic), procedure complexity, and geographic location. Porcelain ones, known for their aesthetic appeal, are generally more expensive than metal options. For those paying out-of-pocket, many dentists offer payment plans or discounts for upfront payments. Alternatives like dental savings plans or third-party financing services can help reduce the financial burden.
Payment Options for Dental Crowns and Financing Plans
This procedure can be a significant expense, but various payment options and financing plans are available to make the treatment more manageable. Here’s an overview of common methods to help you plan for your dental care:
Insurance Coverage
Many dental insurance plans cover a portion of the cost. Coverage typically depends on your specific plan and whether the crown is deemed medically necessary. Most policies cover a percentage of the cost, leaving the patient responsible for the remaining balance. It’s important to confirm coverage details with your provider before proceeding.
Flexible Payment Plans
Many dental offices offer in-house payment plans or partner with third-party financing companies to allow patients to spread costs over time. These plans often come with varying interest rates and repayment terms, so it’s essential to review the details carefully to ensure they align with your budget.
HSAs and FSAs
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can be used to pay. These accounts use pre-tax dollars, which can lower the overall cost of your treatment. If you have access to these accounts, they’re a great option for managing dental expenses efficiently.
CareCredit and Financing Services
Services like CareCredit provide specialized financing for medical and dental treatments, including this procedure. These options allow patients to pay in monthly installments and often feature promotional periods with low or no interest, making them a popular choice for those who want to spread out payments.
Personal Loans or Credit Cards
For patients without other options, personal loans or credit cards can provide the flexibility to cover dental costs. Nevertheless, it’s crucial to consider the interest rates and repayment terms, as these can significantly increase the overall expense.
Sources.
Fransson, B., Øilo, G., & Gjeitanger, R. (1985). The fit of metal-ceramic crowns, a clinical study. Dental Materials, 1(5), 197-199.