How much is a permanent crown with insurance?
The cost of a permanent crown, especially when covered by insurance, can vary significantly depending on several factors. Understanding these factors can help you make an informed decision about your dental care. In this article, we will explore the average costs, insurance coverage, and other considerations that can affect the final price of a permanent crown with insurance.
Average Cost of a Permanent Crown Without Insurance
Before discussing insurance coverage, it’s essential to know the average cost of a permanent crown without insurance. According to the American Dental Association, the average cost of a porcelain-fused-to-metal (PFM) crown ranges from $950 to $1,300 per tooth. Porcelain crowns, which are more aesthetically pleasing, can cost between $1,200 and $1,500 per tooth. These prices can vary based on the dentist’s experience, location, and the specific materials used.
Insurance Coverage for Permanent Crowns
Insurance coverage for permanent crowns can greatly reduce the out-of-pocket expenses for patients. Most dental insurance plans cover a portion of the cost for crowns, with the percentage of coverage varying from plan to plan. Here are some key points to consider regarding insurance coverage for permanent crowns:
1. Deductibles: Most insurance plans require you to meet a deductible before coverage begins. The deductible amount can vary, so it’s important to check your policy for details.
2. Annual Maximums: Insurance plans typically have an annual maximum benefit that they will pay out for dental services. Once this limit is reached, you may be responsible for the remaining costs.
3. Coverage Percentage: Insurance plans usually cover a percentage of the cost for crowns, such as 50%, 80%, or 100%. The specific percentage will depend on your plan.
4. Preventative vs. Restorative Coverage: Some plans offer more coverage for preventative services (like fillings) than for restorative services (like crowns). Be sure to check your policy to understand the difference.
Factors Affecting the Cost of a Permanent Crown with Insurance
Several factors can influence the cost of a permanent crown with insurance:
1. Dental Plan: The type of dental insurance plan you have can significantly impact your out-of-pocket costs. Some plans offer better coverage for crowns than others.
2. Dental Provider: The cost of a permanent crown can vary depending on the dentist or dental clinic you choose. It’s essential to compare prices and services before making a decision.
3. Materials Used: The type of materials used for the crown can affect the cost. Porcelain crowns, for example, are more expensive than metal or porcelain-fused-to-metal crowns.
4. Dental Procedure: The complexity of the dental procedure required to place the crown can also influence the cost.
Conclusion
In conclusion, the cost of a permanent crown with insurance can vary widely based on several factors. By understanding your insurance coverage, comparing dental providers, and considering the materials used, you can make an informed decision about your dental care. Always check with your insurance provider and dental professional to get the most accurate information regarding the cost and coverage of a permanent crown.
