How Much Does a Cavity Filling Cost with Insurance: Overview, Types, Costs, Duration, Benefits, Signs & Symptoms

How Much Does a Cavity Filling Cost with Insurance: Unveiling the Truth.!!!

An image illustration of Cavity Filling
Learn about the cost of cavity filling with insurance coverage.

Wondering about the cost of a cavity filling with insurance?

If you’re experiencing a toothache or notice a dark spot on your tooth, it could be a cavity.

Decay causes these holes in the tooth, and if left untreated, it can lead to pain, infection, and tooth loss.

To prevent complications, it’s essential to get a cavity filling promptly.

A cavity filling is a dental procedure that uses durable materials like metal, resin, or porcelain to restore a damaged tooth.

This procedure helps stop decay from spreading, enhancing the appearance and function of your tooth.

Now, let’s delve into the cost of a cavity filling with insurance.

How Much Does a Cavity Filling Cost with Insurance?

The average expense is $47 per month, as reported by Forbes Advisor.

This monthly premium provides dental benefits, covering preventive, basic, and major dental services.

However, the actual cost of a cavity filling with insurance depends on various factors:

  1. Type of Filling Material:
    • Metal (amalgam) fillings are durable and cost-effective, ranging from $50 to $200 per tooth.
    • Composite (resin) fillings are tooth-colored and less noticeable, costing between $150 and $300 per tooth.
    • Porcelain (ceramic) fillings, matching the tooth’s color, are resistant to staining but pricier, ranging from $300 to $1,000 per tooth.

The choice of filling material depends on personal preference, cavity location, and dentist recommendations.

  1. Size and Location of the Cavity:
    • Larger or deeper cavities require more work and material, increasing the cost.
    • Cavities in back teeth (molars) may be harder to reach and require special equipment, adding to the overall expense.

Understanding these factors helps you estimate the cost of a cavity filling with insurance.

Additionally, consider your dental insurance plan, which may vary in terms of deductible, copay, coinsurance, and annual maximum.

To find the best dental insurance plan for your needs and budget, follow the tips shared in this blog post.

Number of Teeth Needing Fillings

The cost increases with the number of teeth requiring fillings.

Some dentists might offer discounts or package deals for multiple fillings at once.

Before the procedure, inquire about pricing and payment options from your dentist.

Type of Dental Insurance Plan

Various dental insurance plans exist, each with distinct features.

The common types include:

  1. Direct Reimbursement Plans:
    • Pay a percentage of your total dental expenses.
    • You pay upfront and submit a claim for reimbursement.
    • Flexible but may have higher premiums and deductibles.
  2. Usual, Customary, and Reasonable (UCR) Plans:
    • Pay a percentage based on the dentist’s fee or the plan’s limit.
    • You can choose any dentist, but you may pay the difference.
    • Less expensive but may have lower coverage and higher copays.
  3. Table or Schedule of Allowance Plans:
    • Have a set dollar amount for each covered service.
    • Maximum plan payment, regardless of the dentist’s fee.
    • Economical but may offer lower coverage with higher deductibles.
  4. Capitation or Prepaid Plans:
    • Pay a fixed amount to a network of dentists monthly.
    • Dentists offer specified services at low or no cost.
    • Affordable but may have more restrictions.

Deductible, Copay, Coinsurance, and Annual Maximum

These are costs you pay out of pocket before or after insurance coverage.


  1. Deductible:
  2. Copay:
    • Fixed amount paid at the time of the visit for a covered service.
    • Varies based on the plan and service type.
  3. Coinsurance:
    • Percentage of the cost paid for a covered service after meeting the deductible.
    • Insurance pays the remaining percentage.
  4. Annual Maximum:

Benefits of Dental Insurance

Dental insurance offers various advantages that contribute to saving money and maintaining oral health.

Here are some key benefits:

  1. Coverage of Preventive Services:
    • Includes check-ups, cleanings, x-rays, and fluoride treatments.
    • Aids in preventing cavities and detecting dental issues early for effective treatment.
  2. Coverage of Basic Services:
    • Encompasses fillings, extractions, root canals, and gum treatments.
    • Assists in restoring teeth and gums while alleviating pain and infection.
  3. Coverage of Major Services:
    • Covers crowns, bridges, implants, and dentures.
    • Addresses the replacement of missing or damaged teeth, enhancing appearance and function.
  4. Reduction in Out-of-Pocket Costs:
  5. Encouragement for Regular Dental Visits:

Finding the Best Dental Insurance Plan

Choosing the right dental insurance plan involves considering the following factors:

  1. Dental Health and History:
  2. Dental Care Preferences:
    • Plans allowing flexibility to choose any dentist may be preferable for those who value freedom.
    • Plans with lower costs and more benefits may appeal to those comfortable with network dentists and plan guidelines.
  3. Budget and Affordability:
    • Plans with low premiums, deductibles, copays, and coinsurance are ideal for those on a tight budget.
    • Those with a higher budget may seek plans with high coverage levels and benefits.

Using Online Tools for Comparison

To find the best dental insurance plan based on your needs and budget, online tools such as [eHealth] can be valuable.

These tools allow you to browse, compare, and enroll in dental plans from different providers.

Duration of Cavity Fillings

The lifespan of a cavity filling depends on factors such as material type, size, location, and oral habits.


  • Metal fillings last 10 to 15 years.
  • Composite fillings last 5 to 10 years.
  • Porcelain fillings last 10 to 20 years.
  • Lifespan may vary based on oral care practices.

Signs and Symptoms of a Cavity

Recognizing signs and symptoms of a cavity is crucial.

These include:

  • Toothache or pain during biting or chewing.
  • Sensitivity to hot, cold, or sweet foods and drinks.
  • Dark or white spots, stains, holes, or pits on the tooth surface.
  • Bad breath or a foul taste in the mouth.

Promptly consulting a dentist upon noticing these signs improves the chances of saving the tooth and preventing more severe issues.


How can I prevent cavities and avoid fillings?

The best way to prevent cavities and avoid fillings is to practice good oral hygiene and visit the dentist regularly.

You should brush your teeth twice a day with fluoride toothpaste, floss daily, rinse with mouthwash, and avoid sugary and acidic foods and drinks.

You should also get dental check-ups and cleanings at least twice a year, or as recommended by your dentist.

Your dentist can detect and treat cavities early, before they become bigger and more expensive to fill.


Spread the love