How much does it cost for a crown with insurance?
The cost of a dental crown can vary significantly depending on several factors, including the type of crown, the dentist’s expertise, and whether or not you have dental insurance. For many patients, dental insurance can significantly reduce the overall cost of a crown, making it more affordable and accessible. In this article, we will explore the average costs of dental crowns with insurance and what factors contribute to the final price.
Understanding Dental Crowns
A dental crown is a tooth-shaped cap that is placed over a damaged or decayed tooth to restore its shape, size, and strength. Crowns are commonly used to protect weak teeth, cover dental implants, or improve the appearance of a misshapen or discolored tooth. There are several types of dental crowns available, including porcelain, gold, and ceramic crowns, each with its own advantages and disadvantages.
Cost of Dental Crowns Without Insurance
Before discussing the cost with insurance, it’s essential to understand the average cost of a dental crown without insurance. According to the American Dental Association, the average cost of a porcelain crown ranges from $950 to $1,300 per tooth. Gold crowns tend to be more expensive, with prices ranging from $1,200 to $1,500 per tooth. Ceramic crowns fall in the middle, with prices ranging from $1,000 to $1,200 per tooth.
Insurance Coverage and Cost Savings
With dental insurance, the cost of a dental crown can be significantly reduced. Insurance plans vary widely, with some covering a percentage of the cost while others may cover the entire procedure. The following factors can influence how much insurance will cover:
– The type of insurance plan: Some plans cover preventive care more extensively than restorative treatments.
– The deductible: You may need to meet a deductible before insurance begins covering the cost of a crown.
– The coinsurance percentage: After meeting the deductible, insurance may cover a specific percentage of the remaining cost.
– The annual maximum: Most insurance plans have an annual maximum amount they will pay for dental treatments.
Calculating the Cost with Insurance
To calculate the cost of a dental crown with insurance, follow these steps:
1. Contact your insurance provider to understand your coverage details.
2. Determine the cost of the crown without insurance.
3. Subtract any deductible or coinsurance from the total cost.
4. Subtract the insurance coverage amount from the remaining cost to find the out-of-pocket expense.
Conclusion
The cost of a dental crown with insurance can vary widely depending on the factors mentioned above. While insurance can significantly reduce the out-of-pocket expense, it’s essential to understand your coverage and compare the costs of different dental clinics to ensure you receive the best value for your dental care. By doing so, you can make an informed decision about your dental treatment and enjoy the benefits of a healthy, beautiful smile.
