Dental insurance coverage may vary according to the type of plan and the level of benefits that you have elected. Most dental insurance plans provide a yearly amount of maximum coverage after which you have to pay for any expenses above that amount.
Dental insurance typically covers procedures that include annual cleanings, X-rays and fillings. A dental crown is typically covered because the procedure is necessary to maintain good dental health, such as supporting a weak tooth or repairing a cracked tooth. If a dental crown is requested for cosmetic reasons, such as improving the appearance of a smile, it may not be covered. It is best to review the dental policy with the insurance provider and discuss details about exclusions, limitations and waiting periods.
The Cost of Crowns
The cost of having dental crowns may vary depending on the type of materials used, which may be porcelain or metal. On average, the cost can range from $600 to $1,500 per crown. The dentist can provide an estimate before doing the procedure, and they may offer a payment plan.
Saving on Dental Costs
There are credit plans available, such as CareCredit, that offer low-interest methods of financing health costs over a period of time. Compare dental plans for cost and coverage before starting a new insurance plan. Consider employer-sponsored dental plans that may have lower premiums due to group coverage. Some dental schools also offer low-cost dental procedures.