The cost of dental crowns can be overwhelming, leading over 90% of Americans to postpone their dental visits. However, if you’re dealing with cavities, chips, or cracks, getting a crown might be essential for your oral health. This procedure is among the most common dental treatments, offering an effective solution for damaged or decayed teeth.
But what can you do if you don’t have dental insurance? In this guide, we’ll break down the costs associated with dental crowns, explore different payment options, and provide tips to make the procedure more affordable.
How Much Does a Dental Crown Cost?
A dental crown, also called a cap, typically costs between $500 and $2,500 per tooth. This price depends on various factors such as the materials used, anesthesia, and any necessary preparatory procedures like X-rays or cleanings.
Since crowns are often medically necessary, many insurance plans provide coverage. However, for those paying out of pocket, costs can quickly add up, especially if multiple crowns are required.
What Are Dental Crowns?
Dental crowns are protective caps placed over damaged teeth to restore their shape, size, and function. When a tooth is too weak for a standard filling, a crown serves as a stronger and longer-lasting alternative.
You may need a dental crown to:
- Protect a weak tooth from breaking
- Restore a broken or severely worn-down tooth
- Cover a large filling or a tooth with little structure remaining
- Hold a dental bridge in place
- Cover a dental implant or a root canal-treated tooth
Poor oral hygiene can lead to plaque buildup, weakening teeth and causing infections. If a tooth is severely damaged, a dentist may remove the affected portion and place a crown to prevent further deterioration.
Types of Dental Crowns and Their Costs
Crowns can be made from various materials, each with different durability, aesthetics, and pricing:
Metal Crowns
- Made from alloys such as gold, palladium, or chromium
- Extremely durable and resistant to breaking
- Ideal for molars but not aesthetically pleasing
- Cost: $1,000 – $1,200
Porcelain-Fused-to-Metal (PFM) Crowns
- Combine metal strength with a more natural tooth-colored appearance
- Can show metal at the gum line over time
- Cost: $800 – $1,400
All-Porcelain or Ceramic Crowns
- Provide the most natural appearance, making them ideal for front teeth
- Less durable than metal but still strong
- Cost: $800 – $3,000
Zirconia Crowns
- Highly durable and resistant to cracking
- Best for patients who grind their teeth
- Cost: $1,200 – $2,000
E-Max Crowns (Lithium Disilicate)
- One of the most realistic-looking crowns
- Stronger than porcelain but costlier
- Cost: $1,500 – $2,500
Additional Costs Associated with Dental Crown
The total price of a crown isn’t just for the cap itself. Other expenses may include:
- Temporary crowns: $200 – $700
- X-rays and cleanings: Varies by clinic
- Root canal (if needed): $700 – $1,500
- Anesthesia: Can add extra charges depending on the procedure
Insurance and Out-of-Pocket Cost
With Insurance
Most dental insurance plans cover a portion of the cost of a crown, typically around $400 – $500 per tooth. However, insurance policies require monthly premiums, and coverage may vary based on the plan.
Without Insurance
If you don’t have dental insurance, a single crown can cost between $1,100 and $1,300, not including additional procedures like cleanings and X-rays.
How to Pay for a Dental Crown Without Insurance
If paying for a crown out of pocket seems daunting, consider these alternative payment methods:
Dental Schools
Dental schools often provide discounted services as students practice under the supervision of licensed professionals. This can significantly reduce costs, as you typically only pay for materials.
Discount Dental Plans
Some dental providers offer discount plans where members pay a monthly fee for reduced rates on treatments. Unlike insurance, these plans require you to visit in-network dentists.
Flexible Spending Accounts (FSA) & Health Savings Accounts (HSA)
Both FSAs and HSAs allow you to set aside pre-tax dollars for medical and dental expenses, including crowns. FSAs typically have an annual cap under $3,000, while HSAs allow contributions up to $8,000 depending on family size.
In-House Payment Plans
Many dental offices offer payment plans that let you spread the cost of your procedure over several months. While this doesn’t reduce the overall cost, it can make payments more manageable.
Medicare and Medicaid
- Medicare generally doesn’t cover dental procedures unless they are part of a hospital stay.
- Medicaid coverage varies by state. Some states provide comprehensive dental care for adults, while others offer limited benefits.
What to Expect During the Procedure
The dental crown process typically requires two visits:
- First Visit: The dentist examines and prepares the tooth, takes impressions, and places a temporary crown.
- Second Visit: The permanent crown is fitted and cemented in place.
For severe decay, a root canal or additional prep work may be required, increasing overall costs.
Are Dental Crowns Worth the Investment?
Dental crowns are a durable solution for protecting damaged teeth and preventing further complications. While the upfront cost can be high, they can last between 5-15 years with proper care. To maximize their lifespan:
- Avoid chewing hard foods like ice or hard candy
- Refrain from smoking and excessive alcohol consumption
- Use a night guard if you grind your teeth
- Maintain good oral hygiene by brushing and flossing daily
Are There Alternatives to Dental Crowns?
If a crown is too expensive, consider these alternatives:
- Dental fillings (for minor damage)
- Bonding (for small chips or cracks)
- Veneers (for cosmetic corrections)
However, these alternatives may not provide the same level of protection or durability as a crown.