how much is a visit to the dentist without insurance

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How Much Does It Cost To Go To The Dentist Without Insurance?

According to the American Dental Association , cost is the number one reason people won’t go to the dentist. And contrary to popular belief, the cost of a dentist without insurance isn’t much different from your annual insurance bill.

Before you look at these numbers, it’s important to remember that modern dentistry has made significant advances to improve the treatment and prevention of dental diseases.

These improvements continue to cause the cost of dental treatment to surge each year. These rising costs make it challenging for those without dental insurance to see a dentist regularly to maintain optimal oral health. 

However, that doesn’t mean all hope is lost. There are plenty of ways you can have dental work done without having that dental insurance card. 

RELATED: HOW TO FIND A GOOD DENTIST – 4 SIGNS YOU FOUND “THE ONE”

How To Get Dental Work Done Without Insurance  

Approximately 74 million Americans have no dental insurance and have to pay their dental costs out of pocket. And since most people think the cost of a dentist without insurance is beyond their reach, many people have been opting out of their bi-annual dentist visits.

Unfortunately, this can lead to more expensive treatment in the future. Lucky for you, there are several options that exist for those without dental coverage! 

Let’s talk about them.

Option 1: Dental Schools 

If you live near an accredited dental school, you can find quality treatment at a lower cost than private dental offices offer. These schools have clinics where dental students work under the supervision of licensed dentists. Typically, the experienced dentist checks every phase of the student’s work to ensure high-quality treatment.

Here’s the catch: you’ll probably need to see these dentist trainees more frequently. It also means more time spent in the dental chair for each visit.

You can find a list of accredited dental schools at the website of the American Dental Association .

Option 2: Medicare, Medicaid, CHIP 

Medicare does not pay for most routine dental care such as cleanings, fillings , dentures, and extractions. Medicare Part A covers some emergency dental treatment provided in a hospital. 

Every state must provide Medicaid dental benefits for children enrolled in their program. Some states also offer dental coverage for adults. When examined by a physician, children might receive an oral screening, but this does not replace the required exam by a dentist.

The minimum dental care provided to children under Medicaid includes:

• Treatment that is necessary to relieve dental pain and infections
• Restoration of broken and decayed teeth
• Procedures that are essential to maintain the child’s oral health

The federal government partners with state governments to offer affordable health coverage for children who can’t qualify for Medicaid due to their family’s income. This program is called the State Children’s Health Insurance Program . It works closely with Medicaid to offer different benefits in each state. 

Option 3: Local Health Departments

Some local health departments provide free or low-cost dental services. 

You can search for a federally funded clinic near you here .

Option 4: Ask About Payment Options 

Suppose you have no dental insurance and no access to any other assistance. In that case, you should find a dentist that has different payment options for their services. One popular payment method accepted by many dentists is CareCredit .

CareCredit provides no-interest financing options for 6-24 months on charges over $200 . You can also take advantage of longer-term financing at reduced interest rates for more expensive dental fees. 

RELATED: HOW MUCH DOES A TEETH CLEANING COST?

How Much is a Dentist Visit Without Insurance ?

The cost of a dentist visit without insurance depends on the service you need. A routine cleaning can cost $75-$200 with an average cost of $127. When this appointment includes dental x-rays, the price can reach $300 or more.

If you need a more extensive cleaning (known as deep cleaning) expect to pay $500-$4,000 for your entire mouth . Even with dental insurance, you likely will pay several hundred dollars for this procedure. This highlights the importance of preventing gum disease rather than treating it.

Sometimes the cost of a dentist without insurance is more affordable than the monthly insurance premiums. This is especially true if all you need each year is basic services such as exams and cleanings.

Even if you do have insurance, you could end up purchasing insurance with a limited provider network. This makes finding a dentist more difficult. Some dental plans have a low annual maximum that makes paying their monthly premium unappealing.

Here is a list of national prices for standard dental procedures that can help you make your decision:

1. Teeth Cleaning

Insurance usually pays all the fees for cleanings twice each year. Standard cleaning from a dental hygienist, on average, should cost about $127. 

2. Composite Tooth Filling

The cost of a filling depends on the size of the cavity and the material used for the filling. Composite, or tooth-colored fillings, can cost $90-$250 to restore one surface and $150-$450 to restore three or more surfaces.

Dental insurance usually pays 50-80% of the fee, and the average cost without insurance is $204.

3. Wisdom Tooth Removal

Having all your wisdom teeth removed at the same time is cost-effective. Without a discount for removing all four, expect to pay around $416 per tooth if you have insurance and $250-$750 without insurance.

4. Endodontic Treatment ( Root Canal )

The cost of root canal treatment can vary considerably depending on the experience of the dentist. Good dental insurance may help pay approximately 50% of the fee, ranging from $1000-$2000.

5. Dental Crown

The materials used to make your crown determine the cost. Patients with dental insurance can pay $530-$1,875 out of pocket for an all-porcelain crown . If you don’t have dental coverage, you can pay $800-$3,000 for this procedure.

RELATED: COMPOSITE BONDING COST, PROCEDURE, AND RESULTS

Steps On How To Go To The Dentist Without Insurance

Finding a good dentist who can provide high-quality dental care helps you maintain healthy teeth and gums for a lifetime. If you don’t have a dentist and don’t have dental insurance, here are the steps to take:

• Compose a list of good dentists. Ask friends, family, and other healthcare providers for the names of their dentists.
• Call these dental offices and ask for their out-of-pocket prices for routine check-ups and cleanings. If you know of any specific dental treatments you need, ask for those prices.
• If you live near a dental school and don’t mind the extra time this option requires, get their prices.
• Evaluate the costs of each dentist considering your budget. 
• Choose the best dentist that you can afford. Make sure that the cost of getting an exam and cleaning twice each year fits into your budget. This is critical for your oral health, and it also helps prevent expensive dental problems from developing between dental visits.

RELATED: LOS ANGELES DENTAL: WHAT TO EXPECT DURING THE PANDEMIC

Want to know our out-of-pocket prices? Just call and ask! Lasry Dental Clinic is located South Beverly and Wilshire in between Beverly Hills and Beverlywood.

I need a cheap dentist for a tooth extraction please!!

This is the exact natural remedy I followed to get rid of cavities naturally ( http://cavities.best-cure.info ). You’ll be absolutely thrilled with the step-by-step plan that guides you through the ultimate solution to get rid of cavities naturally, that you’ll only have one regret — and that is this: Not having had this valuable resource years ago!

How can I get info on pricing for dental work? Fell and knocked inner area of two front teeth. They were already always rather crooked. Thank you for any pertinent information. Thank you. PK

Patricia Kidd.

I have a broken tooth under my bridge that it is holding up. I need an estimate of pulling my teeth and getting a plate

is there any hope of restoring a rotten tooth ?

See comment below.

There is a dentist in Santa Maria who does everything possible to reconstruct a tooth (avoiding pulling) and he is a miracle worker: I cant remember his name. I also can’t remember if he was Chinese or another Asian group. If I remember I’ll post it, but I do know he also works at slo county correctional facility. He was the only part time dentist they had, so you could call or try to look up on the slo county sheriffs website to figure out his name. I was also accustomed to having laughing gas, but he broke me of that, and I had had almost no dental work done most of forty six or more years, and then I needed about six teeth repaired and cavities filled, the novacine was only the slightest pain ( although anxiety provoking) and only once on a really huge cavity did I wind up gripping the chair so hard I gave myself a blister on my hand! Otherwise the five times I went and had dental work done, it was not bad. Oh it just occurred to me (cause I have medicAre and no supplemental insurance, that the norr clinic in slo I believe has either free or reduced cost dental and medical services for rhe uninsured. I believe the norr clinics are a state of california phenonomena. Sorry I don’t know what norr stands for but I believe it is an acronym:

Always best to get insurance

If you don’t have a dentist and don’t have dental insurance, here are the steps to take:

I have. No insurance and need dental work

A Pediatric dentist costs the price of an insurance copay or without insurance. Children should have a dental checkup twice a year. I truly appreciate your great post!

What’s the point of insurance if you still high out of pocket fees, even if dentist is in network. I’m paying for bone grafts, cat scans, anesthesia, another bone graft to have successful implant surgery. I have Delta Dental Federal High Plan. I’m bracing for shock.

I don’t think you understand how the medical community(and any industrial complex) works. It’s about $$$ and always will be about $$$. They need sick people which is why they charge so much and it takes so long for stick people to get help. They need a continuous supply of cattle to come through so they can pay their bills and buy their toys. Mansions are not cheap. Insurance has always been a scam by the financial industry to be able to control and inflate the prices. You are not just paying for the dentists mansion but also the insurance saleman’s mansion and the bankers 8th mansion, yacht, and private jet.

Please learn about capitalism and how it really works. Survival of the fittest… or, in this case, survival of the greediest. Remember, your teeth effect your health, your happiness, your interaction with others, etc. There is are reason why it is expensive.

The good news is that eventually this system will completely devour itself and all those who benefited from preying upon others will be preyed upon. What comes around goes around.

Thank you for your clear description of medical and dental care in the USA. The pain is real for patients and damages our health by creating fear and insomnia. How can we change this for the better?

Why do people without dental coverage have to pay almost twice the price out of pocket than someone with dental coverage, out of pocket? That isnt fair.

I asked the same question. The reason why is that if they gave the insurance company the same bill as we get as private people, the insurance would not accept them in their network. I had some dental work to do and it would’ve cost me 3000 out-of-pocket. With insurance at $56 a month it’s costing me about $700. I agree it’s not fair. But I guess they get so much business from an insurance that they lower the cost tremendously for insurance companies.

Thank you for mentioning that when children are checked by a physician, they may receive an oral screening, but this does not substitute for the obligatory dental exam. My friend’s youngster has a jaw issue. I will advise her to take her son to a private dentist for an oral screening.

Informative post! This is a great share thank you

Visiting the dentist without insurance can be a costly endeavor. Although it may be tempting to forgo regular visits to save money in the short-term, doing so can end up costing more in the long run due to the development of serious dental issues. The best way to stay on top of oral health is to prioritize preventative care and purchase a dental plan that fits within your budget.

I was surprised to learn that a dentist without insurance can cost quite a bit more than one with insurance. I’m glad I have insurance, because it would have been a lot more expensive without it.

Overall, I was surprised to learn that going to the dentist can be quite expensive if I don’t have insurance. I paid a lot less because of my insurance, and I’m glad I have it.

https://www.cigflorida.com/bonita-springs-insurance-agency/

Thanks for the tip about how look for dental associations will help a lot in finding the right dentistry clinic. I’d like to find a good one soon because I’m thinking about getting a dental crown. That will surely be necessary after a root canal procedure.

I’m on medicaid in NC. How can I have remaining bad teeth removed without xrays?

Insurance benefits are vary from individual to individual. Before make any decision I would advice to contact with your provider and dental office as well to avoid any further unexpected overheads.

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Find a Cheap Dentist Without Insurance Near Me

Looking for a cheap dentist near you without insurance? It can be frustrating, overwhelming, and downright stressful to try to navigate our healthcare system if you are anything less than the top 1% in terms of wealth.

That's why we've compiled a list of some of the most important resources for affordable dental care for adults without insurance, for those who have no insurance but need cheap dental work, or are underinsured, whether due to financing or eligibility problems.

So keep reading to find a cheap dentist without insurance through:

• Federally-funded programs
• Health centers
• Local resources
• Emergency care

Find the best dental financing for your treatment:

Best for Discounts on All Treatments ➡️ Careington Dental Savings Plan

Best Safety Net for Emergencies ➡️ Dental Insurance with Low Premiums

Best for Expensive Treatment Needed Now ➡️ SuperMoney

Best for Chatting with a Dentist Online Now ➡️ Denteractive

Or call the number below to get connected with a dentist in your area and check their dental prices without insurance.

Click here to get connected or call 866-383-0748 (toll-free, 24/7)

Table of contents

• 1 Find a cheap dentist near me without insurance
• 2 See how much you could save
• 3 Dental emergencies and no insurance
• 4 Dental care for undocumented immigrants
• 5 Affordable dentist near me without insurance
• 6 Conclusion

Find a cheap dentist near me without insurance

Around 1/3 of adults in the US have no form of dental benefits coverage. And many of those who do have some dental benefits are grossly underinsured, meaning they still can't afford the care they need. Either that or they are paying more than they can afford for monthly premiums or their deductibles.

If dental insurance is out of the picture, a dental discount plan doesn't have to be. Dental discount plans (also called savings plans) are cheaper than insurance, and offer discounts on all dental care, without waiting periods, maximums, or deductibles.

You can search and find out more about these plans by going to Dentalinsurance.com . Click the button below for a free no-obligation quote.

Navigate to the ‘Dental and Vision Rate Quotes' drop-down menu and click on ‘dental discount plans'.

The good news is that there are programs that can help. Chances are, you can find help paying for the dental work you need, the problem is the general lack of awareness that these programs do in fact exist. So we're going to have a look at some of the ways that you can get affordable dental care near you even without insurance.

But before we start, it's important that you understand that it may take some time and effort to find a program that can help you. In this article, we provide a place to start, but it's up to you to make the necessary phone calls and do your due diligence to find a program that works for you. And don't give up if at first, you don't succeed—your dental health is extremely important and it's likely that you will be able to find the help you need.

We're listing this as your first resource because it's imperative to know whether you need help finding housing, general healthcare, dental services and a wide range of other services as well. Anytime you are looking for local resources, you can always call the number for United Way Worldwide . Simply dial 211 and you'll be connected to a vast network of information from professional, highly-trained and very knowledgable representatives.

The line is open 24 hours a day, seven days a week and can be accessed both by phone and computer. It's a free and confidential service, and you can find information about a wide variety of services, including health and dental care.

If you don't have enough money to pay for a dental insurance plan, or you don't have dental insurance through your healthcare provider, your first stop should be seeing if you are eligible for Medicaid and if your state offers Medicaid dental services.

Your eligibility for Medicaid depends on whether or not your gross income (before taxes) falls under the Federal Poverty Level in your state. These levels change slightly every year, but you can consult this year's here .

To find out more about how Medicaid works and how to get help enrolling, you can read our full article on Medicare and Medicaid dental coverage.

Even if your state doesn't offer dental work on Medicaid, you should still make sure to sign up if you're eligible, because you never know when you could need healthcare.

You may think you can't find affordable dental insurance, especially if you've seen the monthly premiums for regular health insurance. But dental insurance is actually much less than health insurance.

You can search for plans that may even fit within your budget by going to Dentalinsurance.com . There are also plans with no waiting periods and guaranteed acceptance. Click the button below to check prices.

Dental schools

If you're looking for low cost dental care or low-cost braces for adults, dental schools are a really great option. Chances are if you live in a city, there's a dental school near you, and they'll offer you excellent care at a much lower price than you would have to pay at a normal clinic with no dental insurance.

Dental schools often have clinics where their students work in order to gain experience treating real patients. And you can be sure that the care you receive will be good quality because these are students who are reaching the end of their studies and getting ready to go out into the real world, some even starting their own practices.

Additionally, each student is supervised by a licensed dentist with years of training experience. You may even be able to find specialist care at certain dental school, like orthodontic care for braces.

When considering a dental school, make sure it's one associated with the American Dental Association; you can search for a program near you here .

Also, you shouldn't wait until you have a dental emergency to seek treatment. At least yearly routine cleanings are an important part of prevention, which is why you should also consider dental hygiene schools for teeth cleanings without insurance .

Dental plans as low as $20/month

Dental insurance can be more affordable than you think — with basic plans providing 100% coverage of your preventive care. You can  compare the best plans  in your area now! Enter your zip code and DOB below to  get your free quote.

See how much you could save

Clinical trials.

The National Institute of Dental and Craniofacial Research and other accredited medical organizations sometimes look for participants in their studies, whether they are trying out a new way to reduce pain during procedures or a better way to extract wisdom teeth. These clinical trials are both government and privately funded, which means they are no or low-cost for you if you're looking for dental care without insurance.

It's natural if you're wondering whether or not this is a safe option. First, keep in mind that no treatment is 100% safe for everyone, whether you pay thousands of dollars or nothing at all.

But you can be rest assured that clinical trials are as safe as expensive dental care because before any new treatment can be tested on humans, it must go through years of research in laboratories first.

Additionally, Congress has passed laws to protect study participants, with rules such as every clinical investigator is required to make sure that every participant is safe. You can read more about the basics of clinical trials, including your safety as a participant on the National Institute of Health's page here .

And if you decide that you'd like to participate in a trial, you can see which trials are available here .

Discount plans

In general, dentists want affordable dental care for their patients because they are passionate about oral health. Dentists also understand that dental work can be too expensive for many of their would-be patients. For this reason, many dentists offer dental discount plans, so their patients can see a dentist without insurance.

A dental discount plan is sort of like having cheap dental insurance, but there are some important differences. With a discount plan, you can avoid the following:

• Monthly premiums
• Deductibles
• Annual maximums
• Waiting periods

You pay a membership fee and in return get discounted fees on the care you need. You can check out our dental savings plan article here to find out more!

You can also follow the link below for Dentalinsurance.com and you'll be able to browse and compare both discount plans offered by dentists and dental insurance plans in your area.

Dental loans

Another option might be for you to take out a loan for your dental work.

A loan will let you pay for expensive procedures immediately, and then you are responsible for repaying the loan over several months or years. Before taking out a loan, make sure that you will be able to pay it back within the payment deadline, if not you could end up owing significantly more.

If you'd like to see what your options are for taking out a loan, you can use SuperMoney's loan search engine where you can find and compare personal loans for dentistry. Click on the button below to get started.

There are tons of nonprofits around the country that offer affordable dental care to those who have no insurance and need a dentist; the following are some of the most popular:

Dental Lifeline Network

This nonprofit provides free, comprehensive dental care to people with disabilities, the elderly and the medically fragile who can't afford the treatment they need, and can't get public aid. Their program, Donated Dental Services, operates in every state, and you can find your state's program by clicking here .

Mission of Mercy (Arizona, Maryland, Pennsylvania and Texas)

Mission of Mercy provides free healthcare, dental care and prescription medications to individuals who don't have insurance or don't have insurance that covers the treatment they need. They are an independent, faith-based organization that receives no government funding.

This gives them the freedom to provide healthcare without any pre-qualifications, so you don't have to provide residency or financial information. You can go to their website , and then navigate to your state from there to find an upcoming clinic.

America's Dentists Care Foundation

The ADCF is a national non-profit with headquarters in Wichita, Kansas and partners and events all over the country. They provide support to a multitude of charitable clinics that provide free dental care to any person who attends. They also offer comprehensive care clinics for specific populations, like veterans who need dental work .

To find a clinic or program near you, you can check out their event map here . If there are no events currently listed for your area, you can scroll down to the bottom of the page where you'll find a list of all of the various organizations around the country with whom they collaborate.

Give Back a Smile

If you need dental work because you've suffered from domestic abuse, or you know someone who does, you may want to consider the Give Back a Smile (GBAS) program, operated by the American Academy of Cosmetic Dentistry Charitable Foundation.

GBAS helps women and men who have suffered dental injuries from an intimate partner, spouse or family member. They also provide services for men and women who have dental injuries due to sexual assault. Head to their website to find out more and have a look at the eligibility requirements.

Special Care Dentistry Association

The Special Care Dentistry Association (SCDA) is an international organization that provides dental care to people with special needs. They partner with professionals from various organizations, including the Council of Hospital Dentistry, the Council of Dentistry for People with Disabilities, and the Council of Geriatric Dentistry. Fill out their referral form here to find the help you or a loved one needs.

For more information about dental care for people with disabilities, read our article here .

Give Kids a Smile (GKAS)

If the average dentist visit cost is too much for you to pay, it doesn't mean your children need to go without care. This program is run by the American Dental Association and provides free dental care services for underserved children around the country.

To find dental care for your child through this program, go to this page where you can find clinics by state, or contact them to ask if there is a Give Kids a Smile program near you.

In the video below, you can watch a dental student's inspiring account of a GKAS event in Arizona.

Local health centers

Wondering how to get dental work but have no money? Health centers may be your answer. Health centers are community-based organizations that offer high-quality primary health care services to those who don't have insurance or are underinsured and can't afford the private costs of dental care.

They receive their funding from Medicaid, Medicare, private insurance patient fees and other sources as well, like hospitals, federal funding, donors, etc. The healthcare professionals and support staff at local health centers offer culturally competent care and are usually multilingual.

Health centers are safe places to go for quality dental care. They must meet strict requirements in able to receive federal funding. You can read more about organizations like these in our free dental care article.

To find your local health center, go to their search page here .

State and local resources

Your local health department is a wealth of knowledge when it comes to finding low cost dental clinics near you. All you need to do is call your local health department, and ask about their financial assistance programs. To find your department's contact information, search for your state here .

United Way WorldWide

For other local resources, you can always call the number for United Way Worldwide as mentioned above. Simply dial 211 and you'll be connected to a vast network of information. The line is open 24 hours a day, seven days a week and can be accessed both by phone and computer. It's a free and confidential service, and you can find information about a wide variety of services, including affordable dental care.

Dental tourism

Do you need major dental work with no insurance? If you need a large and very expensive dental procedure, like implants, you may find that you can save money by traveling to another country for your dental care.

If saving money is your main goal, one of the best options for residents of the United States is to cross the border into Mexico, where you'll find a vast network of clinics offering quality care with English-speaking dentists.

You may be hesitant to choose this option because of horror stories you've heard about foreign clinics, but that's just not the reality anymore. Clinics in other countries are able to offer affordable dental care because the cost of living in those countries is much lower than it is in the United States.

These low cost dental clinics cater to dental tourists and rely on positive reviews to keep their practices open. Just make sure you do plenty of research on the clinic you want to go to, and read more about dental tourism .

In the video below from The Daily Show with Trevor Noah, Michael Kosta heads to Mexico to interview people who have gotten their dental work done there. He also interviews a dentist from Arizona who says while people should be cautious when considering dental tourism, he'd rather they get the treatment they need in Mexico, than not get it at all.

Dental emergencies and no insurance

If you have a dental emergency with no insurance , try to find an emergency dentist near you by calling the United Way or your local health center as mentioned above.

You can also go to this FreeDentalCare website . They have organized a database of free and sliding dental care clinics around the country. Most clinics will have an emergency number listed on their website that you can call if your emergency happens outside of normal hours.

If you are losing serious amounts of blood or are in excruciating pain, and believe your life is in danger, visit the emergency room. If you want to read more about what constitutes as a dental emergency, you can check out our article here .

If your emergency happened in the past three months

If your dental emergency happened within the last three months, are eligible for Medicaid, and your state provides Medicaid dental benefits, you may be able to apply for retroactive Medicaid. This will cover your emergency dental fees, but only for bills from up to three months prior to the date of your application.

This is a very complicated process and we do not recommend completing the form for retroactive Medicaid by yourself. To get help with the process, find a Healthcare Navigator. Navigators' services are absolutely free. They are extremely knowledgable about the healthcare system, and if it turns out you aren't eligible for Medicaid, they might be able to connect you with other help to fund your dental emergency with no money .

To find a Navigator near you, head to this healthcare.gov search page and type in your location. It will show results for agents, brokers, and navigators (assisters), so make sure you choose the Navigators or Assisters option.

Dental care for undocumented immigrants

No matter your immigration status, you've got teeth and those teeth need proper care! You can check out Informed Immigrant and search for trusted nonprofits that can help you find the dental care you need.

Affordable dentist near me without insurance

How much does a dentist visit cost if you have no insurance?

If you're looking for dental care for adults without insurance , then chances are, you're already well aware of the exorbitant costs of routine dental work. So since we've clearly identified the problem, let's recap some of the solutions.

Around 74 million Americans, including children, college students , and seniors, have no dental benefits, so it's likely that either you, or someone you know needs low cost or free dental work without insurance. If you don't have dental insurance, even dental cleanings without insurance can be too expensive. Not to mention fixing a tooth abscess without insurance.

It can be difficult to find the care you need, but the good news is, chances are that with some searching, you'll be able to find treatment that you can afford. Follow our advice above, and never hesitate to ask for help.

It's worth even asking at your local dentist office if they offer low cost dental care for the uninsured—and if they don't, they might be able to point you in the right direction.

While you figure out how to find an affordable dentist near you, you might want to have an online consultation with a teledentistry appointment. You can text chat with a licensed dentist for free to understand more about the treatment you need. Or, for a small fee you get have an online consultation where the dentist will prescribe pain relief and antibiotics if you're in pain from an infection. Read more about teledentistry in our guide here .

Finally, you may not have dental insurance because you think you can't afford it. But dental insurance is much more affordable than regular health insurance, so chances are that you could find a plan that fits your budget.

For help finding a plan, go to Dentalinsurance.com . They make it easy to search a wide range of affordable plans in your area.

How much does it cost to go to the dentist without insurance?

Depending on your financial resources, costs for going to the dentist without insurance can be really expensive. You can have a look at these costs for a better idea.

• Professional teeth cleaning : $75–$200
• Deep cleaning : $150–$350
• Root canal treatment : $700–$1,000
• Tooth extraction : $75–$800
• Implants : $1,500–$6,000 (single tooth)

Can you go to the dentist without insurance?

If you're looking for affordable dental care without insurance, the good news is that you absolutely can go to the dentist without insurance , keeping some things in mind. It really comes down to finding a dentist or clinic offering low cost or free care.

Follow the advice listed above in this article, or call United Way at 211 to speak to a highly trained rep who can help put you in touch with the care you need.

How can I find a cheap dentist without insurance near me?

If you are looking for dental care without insurance, chances are you can find it, but you may have to do some looking around. By following these tips, you'll likely find what you're looking for. You can ask at your local health center, or your local dentist if they offer sliding-scale fees. You can also head to freedentalcare.us and type in your zip code to find a free or low cost dentist near you.

You can also call 866-383-0748 to check for dentists in your area and ask for prices without insurance.

ADA.org: Dental Benefits Coverage in the U.S. Consulted 6th April 2020.

Unitedway.org: 211 . Consulted 6th April 2020.

Informedimmigrant.com: Find a service organization near you . Consulted 6th April 2020.

HRSA: Find a health center . Consulted 6th April 2020.

Freedentalcare: Find free dental clinics . Consulted 6th April 2020.

USA.gov: State Health Departments . Consulted 6th April 2020.

ADA.org: Find dental care for your child . Consulted 6th April 2020.

ADCF: Find an upcoming free dental clinic or volunteer opportunity . Consulted 6th April 2020.

Special Care Dentistry Association: Special Care Dentist Referral . Consulted 6th April 2020.

Mission of Mercy: Home . Consulted 6th April 2020.

Healthcare.gov: Find Local Help . Consulted 6th April 2020.

AACD: Find a Dentist . Consulted 6th April 2020.

Dental Lifeline Network: State Programs . Consulted 6th April 2020.

NIH: NIH Clinical Research Trials and You . Consulted 6th April 2020.

ADA.org: Search for dental programs . Consulted 6th April 2020.

Clinicaltrials.gov: Find a study . Consulted 6th April 2020.

ASPE: Poverty Guidelines . Consulted 6th April 2020.

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Humana is a trusted dental coverage option in the US, renowned for its extensive network of over 335,000 participating dentists. With headquarters in Louisville, KY, Humana, Inc. is a for-profit healthcare organization that generated revenues surpassing $92 billion in 2022. Beyond financial success, Humana has received prestigious accolades, including Forbes’ “JUST 100” list and top rankings for customer treatment, mail-order pharmacy services, corporate responsibility, and diversity.

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Dental Care Costs Without Insurance

Dental Care Without Insurance

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Dental Insurance That Covers Implants

If you don’t have a dental plan, you aren’t alone. One in three Americans lack dental insurance. 1 The main reason adults aren’t prioritizing this type of care is the cost. 1 However, there are low-cost options to explore and backup solutions if insurance isn’t a possibility.

Unfortunately, the cost of dental care for adults without insurance can also be incredibly high. Routine dental cleanings can be close to $200, while more serious treatments like braces can quickly add up to thousands of dollars. 1

Getting regular checkups and teeth cleanings may help prevent expensive oral issues from happening later. Having some type of cost-efficient dental plan, like the ones offered at Aflac, can help you avoid the high fees that may come from buying dental care without insurance.

How Much Does Dental Care Cost Without Insurance?

Affordable dental care without insurance is not an easy feat. To help you get a better idea of what dental costs without insurance can look like, we’ve put together a few numbers:

• One of the most common questions is how much a dental cleaning without insurance is. At some offices, the cost of a dental cleaning can be up to $200. 1
• The cost of fillings without insurance has a much larger range, from $200 to $400. 2
• Root canals vary depending on which tooth needs work but can cost anywhere from $700 to $2,100. 2
• Without insurance, the average cost of a crown is around $1,093. 3
• Lastly, a more costly expenditure is braces . These can range from $3,000 to $10,000 and coverage may look different depending on the age of the patient . 4

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How to Afford Dental Care Without Insurance

At Aflac, we offer affordable individual dental plans and supplemental insurance if your primary plan isn’t giving you as much coverage as you need. If getting a plan is not an option, there are a few other ways to get dental care without insurance:

Dental Schools

There are schools all around the country looking for hands-on experience. Students are willing to perform dental treatments and surgeries at lower price points. You can likely get expensive procedures like root canals done at much more affordable costs. The tradeoff is that there is a little more risk involved. 1

Dental clinics are also available to those who need more assistance with costs. Here, they are able to offer dental treatments and procedures at lower costs. 1

Also, free dental clinics and non-profit clinics may be an option in your area. They may charge you a small fee based on what you can pay and typically have long waitlists. In some cases, they may be able to offer dental care for free. 1

Dentists for Uninsured Patients

Some dentists are willing to lend a hand and take on a few patients free of charge each year. This depends on the dentist you are working with, and the timing of the treatment needed. It may be a good idea to be transparent with your dentist and see what the dental care possibilities are. 1

The Cost of Dental Care with Dental Insurance

The costs for each specific dental insurance plan depend on your age, location, medical history, and coverage goals. We recommend taking a close look at the copays, deductibles, waiting periods and annual maximums within each plan and see if they meet your requirements.

Adding dental insurance into your life may keep many of these costs down . To save money, it’s important to pick a plan that complements your needs.

If you are more interested in cosmetic dentistry, you should look for a plan that provides coverage in that specific area. On the other hand, if braces and orthodontics are of more interest to you, you should choose a plan that specifically lists those benefits. At Aflac, you can find a plan that has specific wellness benefits.

Get A Quote for Aflac Dental Insurance

In the long run, having an affordable dental insurance plan may be able to save you money care. Getting regular dental cleanings and checkups may be able to prevent more serious conditions from developing. At Aflac, we’re here to help keep you prepared.

Oral wellness is a practice that can be developed with the right attention and resources. Chat with an agent about our low-cost dental insurance plans and see if they are the right choice for you.

Still have questions?

Explore your dental insurance options.

1 WebMD - Free or Low-Cost Dental Insurance. Updated March 23, 2023. Accessed January 23, 2024. https://www.webmd.com/health-insurance/uninsured-free-low-cost-dental .

2 New Mouth - How Much Does a Filling Cost Without Insurance. Updated on December 11, 2023. Accessed January 23, 2024. https://www.newmouth.com/blog/filling-cost-without-insurance/ .

3 Byte – Cost of Dental Crown. Updated July 27, 2023. Accessed January 23, 2024. https://www.byte.com/community/resources/article/cost-of-crowns/ .

4 Byte - Monthly Breakdown of Braces Costs: Is It Worth It? Updated January 25, 2023. Accessed January 23, 2024. https://www.byte.com/community/resources/article/monthly-costs-braces/ .

In Arkansas, Policies A81100RAR through A81400RAR. In Idaho, Policies A81100RID through A81400RID. In New York, Policies NY81100 through NY81400. In Oklahoma, Policies A81100OK through A81400OK. In Oregon, Policies A81100OR through A81400OR. In Pennsylvania, Policies A81100PA through A81400PA. In Texas, Policies A81100TX through A81400TX. In Virginia, Policies A81100VA through A81300VA. AFLAC DENTAL – QN81000 SERIES.

Aflac dental products coverage is underwritten by Aflac. In New York, coverage will be underwritten by Aflac New York. Applies to Policy Series QN81000. In Arkansas, policy form QN81100MAR. In Idaho, QN81100MID. In Oklahoma, policy form QN81100MOK. In Oregon, policy form QN81100MOR and QN81100MORS. In Texas, policy form QN81100MTX. Individual Supplemental Dental insurance coverage is underwritten by Aflac. Group Supplemental Dental insurance coverage is underwritten by Continental American Insurance Company (CAIC), a wholly-owned subsidiary of Aflac Incorporated. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company.For Group supplemental dental plans, policy series CAI1100. In Arkansas, Policy CAI1100AR. In Idaho, Policy CAI1101ID, In New York, Policy AF1100NY. In Oklahoma, Policy CAI1100OK, In Oregon, Policy CAI1100 OR. In Pennsylvania, Policy CAI1100PA. In Texas, Policy CAI1100TX. In Virginia, Policy CAI1100VA.Policies may not be available in all states.

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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730) Dental and Vision plans are administered by Aflac Benefit Solutions, Inc. Aflac Worldwide Headquarters | Columbus, GA Aflac Group | Columbia, SC American Family Life Assurance Company of New York | Albany, NY Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law. Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)

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Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, New York. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment, or medical advice and is not intended to influence any reader’s decision to select, enroll in, or disenroll from a Medicare plan. This is not dental care advice and should not be substituted for regular consultation with your dentist. If you have any concerns about your dental health, please contact your dentist's office.

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1. https://www.absolutedental.com/blog/expect-routine-dental-exam , accessed August 2023

2. https://health.costhelper.com/teeth-cleaning.html , accessed August 2023

3. https://www.moneyunder30.com/is-dental-insurance-worth-it , accessed August 2023

4. https://health.costhelper.com/root-canal.html , accessed August 2023

5. https://health.costhelper.com/dental-crown.html , accessed August 2023

6. https://www.colgate.com/en-us/oral-health/root-canals/what-root-canals-cost-why-cost-varies , accessed August 2023

7. https://health.costhelper.com/dental-crown.html , accessed August 2023

8. https://health.costhelper.com/dentures.html , accessed August 2023

9. https://health.costhelper.com/veneer-lumineer.html , accessed August 2023

10. https://www.carecredit.com/howcarecreditworks/prospective , accessed August 2023

11. https://www.carecredit.com/dentistry , accessed August 2023

Can I Go to the Dentist Without Insurance (& How Much Is It)?

If you don’t have access to dental coverage through your employer, you’re not alone— 25% of Americans are in the same boat. You might be wondering if you can still go to the dentist, and how much it will cost you. I’m here to set the record straight: you can absolutely get dental work done without insurance. 

However, there are some complications you’ll need to navigate, including surprise bills, varying costs, budgeting, comparing practices, etc. Luckily, there are a few ways to figure out how much care will cost before you reach the dentist’s chair. 

As a dentist myself, I’ll give you an inside look at what goes into charging for dental work, along with expert advice for figuring out how much you’ll pay. Plus, we’ll explore a new kind of dental plan designed specifically for people without employer-sponsored insurance.  

How Much Does Dental Treatment Cost Without Insurance? 

The biggest hurdle you face when visiting the dentist uninsured is opaque pricing: every dental practice will set different prices for different services. Luckily, we have data to give you a general idea of how much you might pay out-of-pocket for visiting the dentist. Our information comes from FAIR Health , an organization that collects and publishes fee data from around the country.

States have varying costs of living, which affect how much residents pay for rent, food, and even healthcare. Since Tampa is a mid-sized city in Florida, which is right in the middle of Patriot ’s cost-of-living rankings by state, it’s a good benchmark to use as an estimated average cost across the U.S. 

Here’s how much you’d likely shell out if you pay in cash for common dental services in Tampa:

Annual Cleaning—$114

Fillings—$286

Veneers—$1,687

However, don’t underestimate how much costs can vary by location. Here’s how much the same common dental services cost in Manhattan: 

Annual Cleaning—$231

Fillings—$450

Veneers—$2,800 

The stark differences here are something to chew on (sorry, dentist pun), but using these estimates as a guideline can help you budget.

Do Dental Insurance Carriers Pay the Same Amount as Cash Payers? 

Short answer: No. Insurance companies have the resources to negotiate costs way down, and they do so with the collective bargaining power of their subscriber base. 

Insurance carriers are very secretive about what they’re actually paying, so even if you are covered it can be difficult to tell whether you’re getting a fair price. But the result is the same: set prices for cash payers are not the same as what insurers are paying, so much so that NPR calls them, “fiction.” 

On the other hand, patients paying out-of-pocket have no leverage. They pay what the dentist charges, and can’t easily compare prices to see if they could get a better deal elsewhere.

What Are My Options for Going to the Dentist Without Insurance?

Good news first: Yes, you can go to the dentist without insurance. Now the bad news. If your employer doesn’t offer insurance, you have limited options for managing dental appointments. 

1. You Can Purchase Your Own Insurance Plan

Thanks to the Affordable Care Act, you can purchase your own insurance plan through the government’s online marketplace . In my experience as a longtime dentist who works to help patients take control of their dental costs, this can be one of the most unfair deals. The plans available for individual purchase are usually loaded with restrictions. Here are some of the most common ones I see:

Annual contracts that lock you in for a full year, whether you use it or not

Low annual maximums, limited restorative & major coverage in the first year 

Treatment restrictions on the stuff you actually want (thinking about Invisalign? Your insurance might say think again)

Out of pocket costs at each visit, ranging from 20-50% of the total

Simply put, for many patients, this option does not make sense. 

2. Fend for Yourself

Traditionally, there is no easy way to compare prices. So if you’re paying out-of-pocket, you’re really at the mercy of whatever your dentist decides to charge. And since many patients don’t find out what they’re paying until the bill comes, you can be in for a surprise. 

It is technically possible for individuals to negotiate their bills, but that is more commonly done for hospital visits. Most run-of-the-mill dentists won’t negotiate. After all, if you’ve already received the service, you don’t have much of a leg to stand on for bargaining.

3. Use Smylen!

That’s why my co-founders and I started Smylen , an app that lets you compare prices and book dental work online. It’s a better solution for the nearly 25% of Americans who don’t get dental coverage through their employer. 

You get access to top dentists and incredible discounts up to 80% off what you might pay if you book by yourself. You’ll also never have to guestimate how much dental work will cost or get stuck with a surprise bill again. You can see exactly how much you’ll pay, and compare the prices to find the right practice for you. 

Unlike insurance, you only pay for what you use, so there are no wasted premiums. Plus, there are no restrictions on treatment, so you can make your own choices about cosmetic treatment, implants, whitening, and more. All of this with total transparency. 

While you can still go to the dentist without insurance, there are a lot of hoops to jump through if you book by yourself. But Smylen has your back, helping you find the right provider by comparing upfront pricing on dental procedures. To see just how easy it is to book and save on dental work without insurance, check out Smylen today.

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The 4 Best Ways to Pay for a Dentist Visit Without Insurance

Aug 9, 2021

Dental care for adults without insurance does exist and it may be more accessible and affordable than you realize. 

Some of the best ways to get a dental visit without insurance include:

• Paying out of pocket for visits
• Finding a local dentist that offers a membership savings plan
• Going to a dental or dental hygienist school for reduced rates
• Attending a public dental clinic in your area

The bottom line is that if you need dental work with no insurance , there are options available.

In this article, we’re sharing some of the top ways to receive dental care without insurance. Keep reading if you have questions like:

How much is a dentist appointment without insurance?

• Are there dentists that accept no insurance?
• I don’t have dental insurance. What do I do?

Let’s jump into our discussion on how to see a local dentist without insurance .

Why Are Dental Check-Ups Important?

Before we talk about getting dental care without insurance, it’s essential to understand why seeing a dentist is valuable.

Did you know that people with gum disease are 2-3 times more likely to have a heart attack, stroke, or serious cardiovascular event? Researchers believe that the body’s inflammatory response caused by gum disease can somehow affect the heart. 

If you don’t have insurance or know of programs for individuals without insurance, you may think about skipping the dentist altogether. However, that’s not a good idea. You’ll still want to see the dentist even if you don’t have insurance. Whether you’re a child or an adult, regular visits to the dentist are necessary for healthy living. .

Routine dental checkups help:

• Keep your teeth and gums clean
• Address any serious oral issues
• Make oral hygiene adjustments

During your visit, the hygienist and dentist will ensure those three actions take place by performing any number of the following dental procedures :

• Taking x-rays of your teeth
• Scaling your teeth (scraping plaque and tartar off your teeth)
• Brushing and flossing
• Checking your mouth for problems or cancer
• Doing a fluoride treatment

Dental visits provide you with a clean mouth and valuable insight into your oral health. And fortunately, most major insurance companies offer coverage for routine checkups and some more serious dental procedures.

But some people may be thinking, “I don’t have dental insurance, or I can’t afford a dentist. What can I do ?”

Continue reading to learn about what to do about dentist costs with no insurance .

How to Get Dental Care for Adults Without Insurance

Not having dental insurance doesn’t disqualify you from receiving professional dental care as an adult. There are dentists that accept patients with no insurance, and there are also offices that offer discount plans. Dental help for unemployed individuals also exists in many cities around the nation.

Here are the top four options for visiting a local dentist without insurance .

Option #1: Paying Out-of-pocket

Seeing the dentist doesn’t require insurance, so one way that you can pay dental costs is straight out-of-pocket. “Out-of-pocket” means that you pay the full amount of any dental costs from your dental visits. 

If you want to pay expenses out-of-pocket, it may be good to know, “How much is a dentist visit without insurance?”

A 2016 dental survey found that the average cost for a routine check-up is $90 – $120 (not including x-rays or other preventative procedures). This study is a few years old and a more recent one hasn’t yet surfaced, but it seems that most rates are now somewhere between $100 – $300 out of pocket depending on your location. 

If you practice good oral hygiene and rarely need more serious dental procedures, paying for two visits every year out of pocket might be manageable.

However, procedures like root canals, crowns, and dentures can cost hundreds or thousands of dollars without insurance. If you have poor oral hygiene, scheduling a dentist visit without insurance and paying out-of-pocket may be pretty expensive (which is another reason to attend routine checkups—reduce the risk of severe dental problems!).

Option #2: Visiting a Dental or Dental Hygienist School

Going to a dental or dental hygienist school for checkups is a low-cost dental option for anyone without insurance.

Dental or dental hygienist students will provide discounted dental care for adults without insurance in exchange for practicing routine dental procedures. Most of these schools have trained professionals overseeing the students’ work to ensure quality of care.

The inexpensive rates are a positive, but there are two negatives to this dental route:

• You need to be near a dental or dental hygienist school. Many major cities in America have at least one school, but smaller or more rural areas may not. 
• A routine cleaning may take nearly four times as long since these dental students need to have their professors and teachers check their work.

Option #3: Attending a Public Dental Clinic

A third option is to attend a public dental clinic. Many of these clinics offer free or significantly reduced dental rates for individuals without insurance.

For example, the Free Dental Care and Virginia Dental Association groups in Virginia offer resources to anyone in need of free or inexpensive dental care. Trained professionals provide the services at these clinics to ensure the quality of care. 

These clinics are open to everyone but exist to primarily provide dental help for unemployed , low-income, or uninsured individuals. 

But these clinics often work on a first-come, first-serve basis, which means you may need to arrive early and wait a few hours before being seen by a dentist. If you don’t have hours to spare, you may need another alternative.

Option #4: Find a Dentist with a Member Savings Plan

Lastly, some dentists that accept no insurance or who want to provide an alternative option to insurance offer a member savings plan. Member savings plans provide some level of routine care for a yearly fee.

For example, we here at Northside Dental Co. in Richmond, VA are a group of dentists that don’t require insurance (though we are in-network with most insurances if you have one!). Instead, those without insurance can sign up for our Dental Savings Plan. This membership plan costs $399 each year and comes with some great benefits like:

• Two comprehensive exams
• Yearly x-rays
• Two cleanings
• Two fluoride treatments
• 15% off minor treatments
• 10% off major treatments

Signing up for a membership savings plan is an excellent option for anyone looking for an affordable alternative to dental insurance. But not all dental care providers offer a savings plan, so you may need to look into dental practices in your area to see if any offer them.

Schedule Your Dentist Visit Without Insurance Today

It’s important to maintain good oral hygiene, as issues like gum disease can lead to an increased risk for cardiovascular problems. One of the best ways to keep your teeth and gums healthy is through regular dental visits, often covered by most major insurance companies.

But what if your someone who doesn’t have dental insurance? 

Are you unable to see a local dentist without insurance ?

Dental care for adults without insurance does exist. Four of the top options available are:

• Paying for all your dental expenses out-of-pocket
• Scheduling an appointment with a local dental or dental hygienist school
• Visiting a public dental clinic in your area
• Signing up for a membership savings plan at a local dentist office

If you’re an adult without insurance living in Richmond, VA who’s searching for an “ affordable dentist in my area ,” look no further than Northside Dental Co .

At NDCo., we’re highly trained and professional dentists that accept no-insurance patients. Our desire is to make high-quality dental care accessible and affordable to everyone, whether you have insurance or not. Therefore, we are in-network with most insurances and offer a Members Saving Plan for those without insurance. This savings plan covers your routine care and also provides additional discounts for procedures like fillings and crowns. 

Schedule your appointment online and take a step toward a healthier, brighter smile today.

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Home » Blog » How Much Will My Dental Visit Cost? Common Dental Care Costs Explained

How Much Will My Dental Visit Cost? Common Dental Care Costs Explained

Dental insurance can be a huge help. Even the most basic plans can allow you to keep your teeth clean and healthy at an affordable price.

But people may not realize that even the best dental plans don’t guarantee your costs are covered. And if you don’t have dental insurance , you’re facing the cost of dental care unassisted.

At Access Health Dental, we don’t want you to be caught by surprise when trying to take great care of your teeth. Here’s what you can expect insurance to pay for and how much you might be spending on common dental procedures out of pocket.

What Dental Insurance Covers

About 90% of employees working for companies with 500 or more people have an option for dental insurance. Individual plans vary in what they cover depending on the dental insurance company and the tier of coverage.

Here’s what most will cover:

• 100% of preventative care , including two annual cleanings and X-rays
• 80% of basic procedures, like fillings, root canals, or crowns
• 50% of major procedures, like tooth implants, wisdom teeth removal, or dentures

The exact percentages of what your plan will cover vary, as will the prices your dentist charges for their services. In addition to paying for at least a portion of your care, you’ll likely have to pay a premium every month (unless your employer covers this).

And a word to the wise: If you’ve had a gap in dental insurance coverage, you may need to wait a period of time before your insurance plan will cover costs. Plus, even with the best dental insurance, most plans have a cap on how much they will pay per year. Once you hit that, you’ll be paying out of pocket.

If you don’t have dental insurance — because you work part-time, freelance, don’t work, or don’t have a job that offers it — it’s helpful to know what you might be in for when your bill arrives. Here are the most common dental costs.

Dental Care Costs

As you age, you might find yourself needing more extensive dental care than you did as a kid. Your teeth might become more prone to decay, or old fillings might need to be replaced.

We’ve looked up the cost of common dental procedures — including the cost of preventative dental care , fillings, crowns, and root canals — so you have an idea of what to expect if you’re paying yourself.

Basic Dental Cleaning

The American Dental Association recommends going to the dentist at least once a year for a cleaning. Depending on your teeth and oral history, you might be better off going twice.

During your visit, your dentist might recommend X-rays to keep a closer eye on your teeth.

• Basic dental cleaning and polish cost between $75 and $200.
• Panoramic X-rays, which are recommended every 1 to 3 years depending on age, can cost between $100 and $200.

* Source: Humana

If you have tooth decay that has led to a cavity, you’ll need to get it filled to prevent further issues. There are a few different kinds of fillings, and each varies in cost.

Amalgam Fillings

• Amalgam fillings are a mixture of metals : half liquid (elemental) mercury and a powdered alloy of silver, tin, and copper.
• They’re often referred to as “silver fillings” for their color.
• Amalgam fillings can range from $50 to $150 for one to two teeth.

Resin Composite Fillings

• Resin composite fillings are made of durable synthetic resin .
• They cost $90 to $250 for one to two teeth.

Glass Ionomer Cement Fillings (GICs) 

• Glass ionomer cement (or GICs) is made of alumina, silica, and calcium.
• They typically cost between $90 and $250 for one to two teeth.

Gold Fillings

• Gold fillings are made of cast gold, the same kind of gold in a piece of jewelry.
• They’re the longest-lasting material for fillings, but they don’t match the color of your teeth and tend to be the most expensive.
• Gold fillings can cost $250 to $4500 for one to two teeth.

If a filling is large enough, your dentist might put a cap on top called a crown to protect the tooth and prevent further damage.

You might also need a crown to hold a dental bridge in place, cover a misshapen tooth, dental implant, or a tooth that’s been treated with a root canal.

There are a few different materials for crowns, varying in durability and cost.

Metal Crowns

• Metal crowns might be gold, palladium, nickel, or chromium.
• They’re the most durable material, but don’t match your teeth (perfect for molars).
• A metal crown might cost $500 to $1,500.

Porcelain Fused-to-Metal (PFM) Crowns  

• Porcelain-fused-to-metal crowns (PFM) have a metal cover underneath a porcelain crown.
• They match teeth well but may chip or wear down.
• A porcelain fused-to-metal crown may coast $600 to $1,800.

All-Ceramic or All-Porcelain Crowns

• All-ceramic or all-porcelain crowns use porcelain (a kind of clay) without the metal underneath.
• They’re the best natural color match to your teeth but aren’t as strong as a porcelain-fused-to-metal crown.
• An all-ceramic or all-porcelain crown may cost $800 to $2,000.

If the tissue around your tooth has become infected, you might need a root canal. A root canal removes the infected tissue, cleans the tooth, then fills and seals it back up to prevent further issues.

There are two types of root canals: incisor and molar.

Incisor Root Canal

• An incisor root canal is performed on your front and canine teeth. They usually have a single root containing one root canal.
• An incisor root canal might cost $500 to $1,000.

Molar Root Canal

• A molar toot canal is performed on your premolars and back molars. Each has two or three roots, each containing either one or two root canals.
• A molar root canal might cost $800 to $1,500.

Tooth Extractions

When other methods of prevention and treatment haven’t worked, you might need to have the tooth removed or pulled in what’s called a tooth extraction .

This could be necessary with severe tooth decay, a fracture in your tooth, an impacted tooth, crowded teeth, severe gum disease, or dental injuries.

There are three kinds of tooth extractions: simple, surgical, or wisdom teeth.

Simple Tooth Extraction

• During a simple tooth extraction , you stay awake and are given local anesthesia to numb the pain.
• A simple tooth extraction might cost $75 to $250 per tooth.

Surgical Tooth Extraction

• A surgical tooth extraction means you’ll receive local anesthesia and either general anesthesia and/or intravenous anesthesia.
• You’ll be unconscious during the procedure.
• A surgical tooth extraction might cost $180 to $550 per tooth.

Wisdom Teeth Extraction

• Removing your wisdom teeth is a surgical tooth extraction specifically for your third molars or wisdom teeth.
• Wisdom teeth extraction might cost anywhere from $120 to $800.

  Dental Savings Plan to Help Pay for Dental Care

If you don’t have insurance or your insurance doesn’t cover all the dental care you need, you might be facing scary bills from your dentist.

The best treatment is preventative care — see your dentist annually for cleanings and check-ups. If you need more care between annual visits, Access Health Dental offers special savings plan to help you cover costs.

Our AHD Smiles Dental Savings Plan includes free check-ups and a discounted fee schedule (with exclusive 40% savings). We also offer discounted orthodontics and specialties. Plus, our patient referral rewards program allows you to earn rewards and credits for every friend, co-worker, and family member you refer to us.

The AHD Smiles Dental Savings plan has no annual maximums (unlike many insurance plans), no deductibles, no pre-authorization requirements, no pre-existing condition exclusions, and no waiting periods on treatments.

At Access Health Dental, we believe everyone deserves access to dental care. Learn how you can save money while taking care of your teeth.

Enroll in our AHD Smiles Savings Plan today >

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Home > Finance > How Much Is A Dentist Check Up Without Insurance

How Much Is A Dentist Check Up Without Insurance

Published: November 23, 2023

Find out the cost of a dentist check-up without insurance and manage your finances wisely. Save money while prioritizing your dental health.

(Many of the links in this article redirect to a specific reviewed product. Your purchase of these products through affiliate links helps to generate commission for LiveWell, at no extra cost. Learn more )

Table of Contents

Introduction, importance of regular dental check-ups, average cost of a dentist check-up without insurance, factors affecting the cost of a dentist check-up without insurance, ways to save money on dentist check-ups without insurance.

Regular dental check-ups are an essential part of maintaining good oral health. However, for individuals without insurance coverage, the cost of a dentist check-up can be a significant concern. Understanding the average cost and factors that influence it can help you make informed decisions about your dental care.

Dental check-ups involve a comprehensive examination of your teeth, gums, and overall oral health. During these visits, dentists can detect and treat dental issues at an early stage, preventing more significant problems down the line. They also include professional teeth cleaning, which removes plaque buildup and helps prevent cavities and gum disease.

While many individuals have dental insurance that covers these check-ups, those without insurance can face higher out-of-pocket costs. Without insurance, the cost of a dentist check-up can vary depending on factors such as location, the complexity of the procedure, and the specific dental clinic you visit.

In this article, we will explore the average cost of a dentist check-up without insurance, the factors that affect the cost, and ways to save money on dental care.

It’s important to note that regular dental check-ups are not just about cost; they are essential for maintaining optimal oral health. Ignoring dental care due to financial concerns can lead to more expensive and complex dental issues in the long run. Therefore, understanding the cost and potential savings can help individuals make informed decisions and prioritize their oral health.

Regular dental check-ups are crucial for maintaining good oral health and preventing various dental problems. Here are some key reasons why regular check-ups are important:

• Early Detection of Dental Issues: During a dental check-up, your dentist will thoroughly examine your teeth, gums, and mouth for any signs of dental problems, such as cavities, gum disease, oral infections, or oral cancer. Early detection allows for prompt treatment, preventing the issue from progressing and potentially causing more significant health complications.
• Prevention of Dental Problems: In addition to identifying existing issues, regular dental visits focus on preventive care. Dentists perform professional teeth cleaning to remove plaque and tartar buildup, which can lead to cavities, gum disease, and bad breath. They also provide guidance on proper oral hygiene practices and offer preventive treatments like fluoride applications and dental sealants to protect your teeth from decay.
• Promotion of Overall Health: Research has shown a strong link between oral health and general health. Poor oral health can increase the risk of developing various systemic conditions, including cardiovascular disease, diabetes, respiratory infections, and pregnancy complications. Regular dental check-ups help maintain good oral health, reducing the risk of these potential health complications.
• Early Orthodontic Intervention: For children, dental check-ups are essential for monitoring their dental development. Dentists can identify and address any orthodontic issues early on, allowing for timely intervention and improving the effectiveness of treatment.
• Education and Guidance: Dental check-ups provide an opportunity for patients to learn more about proper oral care techniques and receive personalized advice. Dentists can address any concerns or questions you may have, ensuring that you are equipped with the knowledge needed to maintain good oral hygiene at home.

By keeping up with regular dental check-ups, you can take proactive steps towards preserving your oral health and preventing future complications. It is recommended that individuals visit their dentist every six months, but the specific frequency may vary based on personal needs and the recommendation of your dentist.

The cost of a dentist check-up without insurance can vary depending on several factors, including the location, the complexity of the procedure, and the specific dental clinic you visit. On average, a routine dental check-up without insurance can range from $100 to $300.

This average cost typically includes a comprehensive examination, professional teeth cleaning, and any necessary X-rays. However, keep in mind that additional treatments or procedures may incur extra costs. For example, if the dentist identifies any dental issues during the check-up, such as cavities or gum disease, the cost of the necessary treatments or follow-up visits may be additional.

It’s important to note that the cost of a dentist check-up also varies based on geographic location. In areas with a higher cost of living, dental services tend to be more expensive. For example, check-ups in urban areas or major cities generally have higher price ranges compared to rural or less populated areas.

Furthermore, the complexity of the procedure can influence the cost. If your dental conditions require more extensive examinations, such as additional X-rays or diagnostic tests, the overall cost may increase.

The specific dental clinic you choose can also impact the cost. Different clinics have different pricing structures, and factors such as reputation, specialization, and facilities offered may influence their rates. It’s advisable to research and compare prices between different dental clinics in your area to find a balance between quality of care and cost.

While the cost of a dentist check-up without insurance can seem daunting, it’s important to prioritize your oral health. Ignoring dental care due to financial concerns can lead to more complex and expensive dental issues in the long run. Consider your dental check-ups as an investment in your overall well-being.

Now that we have explored the average cost of a dentist check-up without insurance, let’s delve into the factors that can affect these costs and discuss ways to save money on dental care.

Several factors can influence the cost of a dentist check-up without insurance. Understanding these factors can help you better anticipate the cost and make informed decisions about your dental care. Here are some key factors to consider:

• Geographic Location: The cost of dental services can vary significantly based on where you live. Areas with a higher cost of living, such as major cities, tend to have higher dental fees compared to rural or less populated areas. It’s important to research the average cost of dental care in your location to have a better understanding of the range you can expect.
• Type of Dental Clinic: Different dental clinics may have different pricing structures based on factors such as their reputation, specialization, and the facilities they offer. Specialized clinics, such as those focusing on cosmetic dentistry or advanced dental procedures, may have higher fees compared to general dental clinics. It’s worth considering these factors when choosing a dental clinic for your check-up.
• Complexity of the Procedure: The complexity of your dental condition or the procedure required during your check-up can impact the overall cost. For example, if you need additional X-rays, diagnostic tests, or treatments for identified dental issues like cavities or gum disease, the cost will increase accordingly. The complexity of the procedure may also affect the time spent during the check-up, which can contribute to the overall cost.
• Dentist’s Experience and Expertise: The experience and expertise of the dentist can influence the cost of a check-up. Dentists with more years of practice or specialized training may charge higher fees for their services. However, it’s important to note that a reputable and skilled dentist can offer added value and potentially reduce the need for additional treatments in the future.
• Additional Services or Treatments: During a dental check-up, additional services or treatments may be recommended based on your specific dental needs. These can include dental cleanings, fluoride treatments, dental sealants, or orthodontic evaluations. Each additional service or treatment will have its own associated cost, contributing to the overall check-up expense.

It’s essential to have open communication with your dentist regarding the cost of your check-up. Ask for a breakdown of the expenses and discuss any concerns or limitations you may have. Dentists are often willing to work with patients, offering flexible payment options or suggesting alternative treatments if appropriate.

Now that we understand the factors that can affect the cost of a dentist check-up without insurance, let’s explore some ways to save money on dental care.

For individuals without dental insurance, the cost of a dentist check-up can be a concern. However, there are several strategies to help you save money on dental care. Here are some effective ways to reduce the cost of your dentist check-ups:

• Research and Compare Prices: Take the time to research and compare prices between different dental clinics in your area. Look for reliable and reputable clinics that offer competitive pricing. Keep in mind that a lower cost doesn’t necessarily mean compromised quality, so read reviews and seek recommendations to ensure you find a skilled and trustworthy dentist.
• Consider Dental Schools or Clinics: Dental schools and clinics often offer reduced-cost or discounted dental services as part of their training programs. These facilities are supervised by experienced dentists, ensuring that you receive quality care at a more affordable price. Contact dental schools or local clinics to inquire about their services and pricing options.
• Look for Dental Discount Plans: Dental discount plans are membership-based programs that provide discounted rates on various dental procedures, including check-ups. These plans typically require an annual or monthly fee but can offer significant savings on dental care. Research different dental discount plans in your area and evaluate their benefits and costs to determine which plan suits your needs.
• Ask for a Payment Plan: Talk to your dentist about the possibility of setting up a payment plan for your check-up. Some dentists are willing to work with patients and allow them to make payments over time, making dental care more affordable and accessible. Be open and transparent about your financial situation to explore this option.
• Practice Preventive Dental Care: Taking good care of your oral health through regular brushing, flossing, and using mouthwash can help prevent dental issues and reduce the need for costly treatments. Additionally, maintaining a healthy diet and avoiding habits such as smoking or excessive consumption of sugary foods and drinks can contribute to better oral health and lower dental expenses.
• Utilize Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): If you have an FSA or HSA, you can use the funds in these accounts to cover your dental expenses. Contribute regularly to these accounts and use them strategically to save money on dental check-ups and other eligible medical expenses.

Remember, even without insurance, prioritizing your dental health is essential for your overall well-being. Investing in regular check-ups can prevent more significant dental issues and save you money in the long run. By implementing these cost-saving strategies, you can make dental care more affordable and accessible.

Before concluding, let’s summarize the key points we discussed in this article.

Dental check-ups are vital for maintaining good oral health, but the cost can be a concern for individuals without insurance coverage. Understanding the average cost and factors that influence it can help you make informed decisions about your dental care. While the average cost of a dentist check-up without insurance can range from $100 to $300, it is important to remember that these costs can vary based on location, the complexity of the procedure, and the specific dental clinic you visit.

Factors such as geographic location, the type of dental clinic, the complexity of the procedure, the dentist’s experience, and any additional services or treatments recommended can affect the cost of a dentist check-up without insurance. By understanding these factors, you can better anticipate the expenses and explore ways to save money on dental care.

Fortunately, there are various strategies to help reduce the cost of dentist check-ups without insurance. Researching and comparing prices, considering dental schools or clinics, utilizing dental discount plans, asking for payment plans, practicing preventive dental care, and utilizing flexible spending accounts or health savings accounts are effective ways to make dental care more affordable.

Ultimately, prioritizing your oral health is crucial for your overall well-being. Regular dental check-ups can help detect and prevent dental issues, promoting better oral and general health. Even without insurance, it is worth investing in these check-ups to prevent more complex and expensive dental problems in the future.

Remember to communicate openly with your dentist about any financial concerns or limitations you may have. Dentists are often willing to work with patients to find suitable payment options or suggest alternative treatments if necessary.

In conclusion, while the cost of a dentist check-up without insurance can be a consideration, it should not deter you from prioritizing your oral health. By understanding the costs, exploring saving strategies, and maintaining good oral hygiene practices, you can ensure that your dental care remains accessible and affordable in the long run.

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Cost for Dentist Without Insurance | No Insurance, No Problem

Going to the dentist without insurance can be really expensive, depending on what dental work your smile needs. And if you do sign up for dental insurance, no waiting period is essential to keep costs low. Maybe health insurance is completely out of the question, and you’re looking for dental assistance programs to fill in the gap. Finding an affordable dentist is easier than you think. Thankfully there are low-cost dental options out there for people who don’t have coverage and qualify.

How To Get Dental Work Done Without Insurance 

Before we get too bogged down in talking about seeing a dentist without insurance, it’s important to remember that dental insurance doesn’t cover everything. Nor have benefit amounts risen with the cost of living as we’ve seen with medical coverage. Maximum coverage amounts average about $1,500 (the amount it caps out at every year,) which is about the same it was in the early 1980s. You can’t get dentistry for those prices anymore.

So, what happens when you do need to go to the dentist without dental insurance? You’re having to do things like:

• Save up in advance
• Use a credit card
• Join a dental savings plan
• Piecemeal treatments
• Prioritize therapies

…or not get care at all. And when that’s the case, dental complications just compound and become more expensive to treat. It’s sad, but it’s true. Not going to the dentist is more expensive than finding a way to get the care your smile needs.

The good news is that there are affordable dental assistance programs out there where you can get quality care at a fraction of the price, without dental insurance. 

1) Low-Cost Dental Clinics 

Depending on where you live, one of the best dental assistance programs out there is to find a local, low-cost, or free dental clinic.

Here’s a great place to start looking for free or low-cost routine dental care near you without insurance:

• Dental Lifeline
• U.S. Department of Health & Human Services

Sometimes these clinics are open year round. They may have a waiting list or certain income criteria to meet to register for an appointment. Others may not have any requirements or questions to answer whatsoever.

In fact, it’s not uncommon to find one or two-day dental clinic events where community dentists either open their practice or come together to run a public clinic to provide charity dentistry. Typically, charity dental events tend to be a first-come, first-serve treatment process. You get there early and wait, so patience is essential. And if you’re hoping for a certain type of dental treatment (such as a dental implant or a few porcelain bridges) you might be out of luck. Usually, these free dental clinics will offer just a few basics like dental cleanings and dental exams, tooth extractions , and possibly dentures .

2 ) Government Assistance Programs

Dental assistance programs through the government can vary depending on which state you live in, your income, age, disability status, and other factors (such as children in foster homes.) But sometimes these different types of alternative “dental insurance” (no waiting periods in many cases) will overlap to cover individuals who need to see a dentist without insurance. Here are the most common ones:

Medicare is only for people who are at least 65 years old, unless they have some type of qualifying disability that allows them to enroll. While a lot of people assume that Medicare picks up where their private insurance leaves off, Medicare typically doesn’t cover dental services. If it does, it’s usually very restricted treatments such as dentures or medically-necessary oral surgery (sometimes including extractions.) You might have better luck if you purchase into some type of Medicare supplemental dental insurance (no waiting periods.)

It’s easy to get Medicare and Medicaid confused with one another, but they’re not the same. Medicaid is a state program that covers families or certain individuals, so long as they meet specific requirements. Usually, Medicaid benefits cut off once a person turns 21. Every state gets to decide their own requirements for Medicaid benefits, so it’s best to work with your regional Medicaid facilitator to try to figure out if dental is covered. More than likely, it would only be for your children if you meet the financial qualifications.

Children’s Health Insurance Program (CHIP) covers qualifying children up to age 19 who don’t have medical or dental insurance. Since the coverage differs from one state to the next, your best resource is to find a dentist who accepts CHIP and then go from there.

3) Dental Schools

Going to a dental school is one of the best ways to get amazing dental care at a low cost. You don’t even have to qualify for a government or low-cost program. Even if you have dental insurance (no waiting periods) the care you receive at a dental school can still save you money at times.

You might be saying something like, “But why on earth would I want to have my teeth worked on at a school by a student? I want someone who knows what they’re doing!” I’m glad you mentioned that. Dental students get plenty of practice in before they start seeing patients. Not only do they give each other shots and work on real teeth ahead of time, they’re also closely monitored by experts in the field, who are right there in the room with them. You might dare to say that you’re getting some of the best dental care possible, especially since it’s for a passing grade!

There is one tradeoff to going to dental schools for treatment, though. It’s time. And for some of us, time is money if we’re having to take off from work. But if you have a few extra hours to sit and want high-quality dental work done—no matter what it is—going to a dental school is an excellent option to think about if you don't have dental insurance.

Save money and find a dental school near you here !

4) Clinical Trials

One thing that not many people think about is the possibility of working with clinical trials to get medical or dental care. Usually, you have to know who is authorized to perform the clinical trial or at least have a familiarity with what’s being offered (so that you can look up dentists near you) to see if you qualify.

Clinical trials in dentistry are similar to the way they work in medicine. You have to fit specific criteria, go to a certain clinic to receive care, and usually undergo a series of different appointments to have your progress monitored.

Depending on the type of clinical trial you’re involved in, some may be placebo types of therapies that actually don’t include some type of actual treatment.

One place where you’ll find a lot of research being done—which includes clinical studies—is at, you guessed it, dental schools.

5) State & Local Resources 

Remember, Medicaid and Medicare plans are going to differ from state to state. If you’re considering moving after retirement to be closer to the kids, you are struggling to find a job because of economic shut-downs, or you fit certain criteria, it might be easier to qualify for a local dental assistance program…or it might be more challenging.

Here’s where the internet starts coming in hand to find free or low cost dental care. Finding health clinics near you, dental charities near you, dental schools accepting new patients, and identifying free dental days can take some planning. The American Dental Association also has free resources for affordable dental care. It takes time to find affordable dental work. But they’re out there if you start looking.

Keep in mind that not all dentists accept the same types of dental insurance plans—which also include Medicare and Medicaid—so even if you do have a plan you’re enrolled in, you’ll still need to identify an approved provider in your area who is accepting new patients.

6) Dental Savings Plan & Other Options 

Some dental offices offer in-house membership or savings programs that work like dental insurance (no waiting period or maximum amounts) that you can enroll in. Again, this does take some cash up front. But it could be more budget-savvy than going to the dentist without insurance or trying to sign up for an expensive plan you don’t understand.

If you already have a dentist that you love or have been going to for years, you might ask about a cash discount to reduce dental costs.

If you're facing a dental emergency, please visit a dentist ASAP.

A savings plan to help offset up to 10% to 60% off the costs of dental procedures. Get a discount dental plan here and save!

How much is a dentist visit without insurance?

Dental visit costs without insurance can vary depending on where you live and the type of dental work that you need. We also need to consider the geographical cost of living, the cost of dental visits can depend on things like whether you have dental insurance, you’re paying cash, if you’re a new patient, how many dental cleanings you’re getting a year, and the type of dental treatments.

Here’s a list of common dental procedures and average prices for each dental service cost without insurance.

1. Teeth Cleaning Cost

An adult teeth cleaning usually costs somewhere a little more or less than $100. 

With insurance, they are usually $0. Keep in mind that the cost of regular dental cleaning fees does not include other services being performed, such as the dental exams and any necessary X-rays being taken.

2. Dental Filling Cost

For one or two surfaces, tooth-colored composite fillings generally cost $90 to $450 without insurance.

The average price of a silver amalgam filling is cheaper at $50 to $300 without insurance.

Insurance normally covers up to 80% of a dental filling.

3. Wisdom Tooth Removal Cost

A wisdom tooth removal cost without insurance can range anywhere from $250 to $4,000 depending if there's an impacted tooth and needs a surgical extraction.

With dental insurance, you can still plan to pay around $700 out of pocket for wisdom teeth removal.

4. Root Canal Cost

Depending on the tooth, on average root canals are around $800 to $1,600 to treat.

Most insurance plans cover between 50% to 80% of root canal costs.

5. Dental Crown Cost

Depending on the material of the crown and which tooth the crown is placed, without dental insurance, you can expect to pay $800 to 3,400 out of pocket.

With dental insurance you around $500 to $2,000 depending on the type of crown .

6. Dentures Cost

For Mid-quality Dentures, you can pay $300 to $800 with insurance and $500 to $1,500 without dental insurance.

7. Tooth Extraction

If you need a tooth removed (excluding wisdom teeth ), you can expect the average cost with insurance to be around $25 to $200.

Without dental insurance, expect to pay $75 to $650 depending on whether if it's a simple extraction or surgical extraction.

8. Traditional Metal Braces 

If you don’t have dental insurance, there are affordable ways to cover how much braces cost . The average cost with insurance is around $1,750 to $4,000.

Without dental insurance, braces cost on average $3,000 to $7,500 depending on the type and severity of your case.

Going To The Dentist Without Insurance 

As frustrating as it can feel, there are still ways out there to see a dentist if you don’t have dental insurance. No waiting period is just an extra perk! It could actually save you money to pay out of pocket for care compared to enrolling in an insurance plan and maxing out on coverage without getting half of the treatment that you actually need.  

Finding affordable dental care is out there if you dig a little. Our dental health and bodies are all interconnected. Caring for your oral health and smile isn’t something superficial. It’s essential to total body wellness! 

Make your inbox smile!

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How much does a dentist checkup cost?

• Read Time: 5 min

The Floss / Wellness Advice / How much does a dentist checkup cost?

The ability to smile is one of life’s precious gifts. We can use our smiles to say hello, welcome a new friend, and brighten a stranger’s day.

Preventative oral is really important for your overall health and wellness. Regular check ups (every 6 months) help prevent serious oral illnesses and keep your smile healthy.

Some people may shy away from visiting the dentist because they are concerned about how much it will cost. How much does a dental exam cost? The answer might surprise you. 

A dental exam is surprisingly inexpensive, especially when you consider how invaluable it is for your overall oral health. During a routine visit, your dentist can catch a wide variety of dental problems that will be easier to treat (and less expensive) sooner than later.

Depending on your location and a variety of other factors, a routine dental exam can cost you anywhere from $0 to about $550. Why the huge difference? There are various factors that make up the cost of a dental visit. We’ll get into them a bit more in a minute.

If you have good dental health insurance, your routine exams may be completely covered. Your insurance may also cover dental x-rays once a year and other preventive care procedures. 

If you don’t have dental insurance, you’ll have to pay for your visit out of pocket. Most dentists will charge between $80 and $120 for a routine exam. In reality, it’s a small price to pay for gorgeous, healthy chompers. 

Get $50 when you book with Opencare.

We reward you for going to your dental checkup!

Why do I need to see a dentist regularly?

Even people who brush and floss carefully will still get plaque build-up. Plaque hardens into tartar which can lead to cavities and gum disease. Your dentist or dental hygienist can more thoroughly clean your teeth and prevent dangerous tartar. 

Dentists can also spot potential problems you may not have noticed yet. Not all dental issues cause pain right away and not treating a problem early on makes it more challenging to fix in the future. Your mouth can also show signs of various medical conditions; such as anemia, diabetes, and oral cancer. 

The American Cancer Society states that many pre-cancers and oral cancers can be detected early during routine exams by a dentist. Regular dental checkups involve examining your entire mouth. When dentists notice concerning medical signs in your mouth, they can refer you to a specialist who can further analyze the situation.

What factors affect the cost of a dentist checkup?

There are various factors that affect the cost of a dental checkup. 

As you might imagine, an oral exam is included in every trip to the dentist. However, the type of exam you receive can vary. People who attend dentist appointments regularly will receive a periodic exam. This is a basic exam reviewing the health of your teeth and gums. The dentist may include an oral cancer screening and check for any abnormalities in your face and neck as well.

A targeted exam is used when you’re visiting the dentist for a particular problem. This is usually used during emergency visits or if a problem has shown up on your x-rays.

If you haven’t been to the dentist in a while, or are visiting a dentist as a new patient, your dentist may give you a comprehensive exam. This in-depth oral exam includes the same procedure as a periodic exam but your dentist will also discuss previous dental work and your goals for your smile. 

Teeth cleaning

Some dentists include the cost of a dental cleaning in their oral exam price, but others charge separately. If you are shopping around to find a dentist , be sure to ask what the base price includes to ensure you’re comparing prices fairly. Teeth cleaning charged separately can cost between $70 and $200! If you are presenting signs of gum disease, you might need a deep cleaning, which will be on the more expensive end.

X-rays are not typically included in the cost of a routine dental exam. Full-mouth x-rays cost about $200 on average. You can choose to have partial x-rays taken to bring the cost down.

If you have insurance, it’s likely that full-mouth x-rays will be covered, but less frequently than your exams. For example, you may have two covered oral exams each year, but only one set of x-rays every other year. 

Some of the cost of a dental checkup has to do with the cost of the dentist’s overhead. For example, a dentist in rural Kentucky will have fewer expenses to cover than one whose dentist’s office is in a high-rise in Manhattan. In general, you can expect dental costs to vary consistently with the cost of living in your area. 

Dental procedures cost list

During your dental exam, your dentist may discover problems that must be addressed such as a cavity that needs to be filled. Any procedures like this are not included in the price of your dental exam. Let’s look at this pricing list detailing the average cost of some of the most common dental procedures. 

As you can see, routine dental care is quite affordable. Even some of the more involved procedures aren’t as expensive as you might think. Of course, not everyone will even need some of these procedures. 

How can I get affordable dental care?

Thankfully, modern dental care is relatively affordable and nearly everyone in the US has easy access to it. Many people have dental coverage through Medicare or dental insurance plans offered through their employer or as an add-on to their health insurance which covers most or all routine costs. 

Dental insurance will also cover some other types of dental procedures. Usually, they need to be medically necessary (as opposed to cosmetic work) and you may need to fulfill a deductible.

If you don’t have dental insurance coverage, you might be tempted to skip going to the dentist to save money. However, keep in mind those prices we just listed. When you start skipping your regular dental checkups, it becomes more likely that you’ll need one of the more involved procedures if you begin to experience tooth decay or other problems. In reality, trying to save on routine care could cost you more in the long run. 

There are a few ways to help mitigate the cost of dental procedures. 

Personal loan

You can take out a personal loan for nearly anything and supporting your dental health is certainly a good reason. If you have good credit, the interest on these loans can be quite low depending on the amount you want to borrow. Online sites allow you to compare several lenders at once to choose the best option.

Dental payment plans

Instead of taking out an independent loan, you may be able to take advantage of the dental payment plan offered by your dentist. These allow you to spread the cost of the procedure out over a few months. These may come with 0% interest if you can pay them off within a certain amount of time. Other times you may be charged a nominal fee or interest rate.

Where can I get a dental exam near me? 

How long has it been since you’ve visited the dentist? Don’t let worries over the cost prevent you from seeking the routine oral care you need. 

Finding a dentist near you is simple with us. We’ll help you find a great dentist offering affordable care. Level up your oral wellness and make a dentist appointment today!

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Can Dentists See You Without Insurance?

Suppose you don’t have insurance and begin to experience problems with your teeth. In that case, you probably feel a little  anxious  about dental costs. But what happens if you need some significant work done? Not only do you have to think about the expenses associated, but whether your dentist will actually see you without insurance. If you are frantically searching for answers using phrases like “dentists near me no insurance” or “dentists that accept no insurance,” then read this article to find out what they can and cannot do for you.

Many of the people without insurance are older adults. They may work part-time, are self-employed, or have taken early retirement for health reasons. The problem is that this is when dental issues often start to kick in. As a result, your teeth become more susceptible to fractures and breaks,  fillings  deteriorate and wear away, and you are more likely to experience tooth decay. 

Most dental care is not covered by Medicare either, especially not things like fillings, cleaning,  tooth extractions , and dentures, which are some of the most common things we go to the dentist for. There are various private options to explore, but when you are sitting there with a broken tooth and desperately need to see a dentist in your area, they’re not much use.

So, are there dentists that can check on your oral health without insurance? If so, where are they, and what can you do if you do not have the funds to pay upfront?

Can You See a Dentist Without Insurance?

You can absolutely see a dentist without having insurance. It is not a mandatory requirement; in fact, almost half of Americans do not have insurance to cover dental work, according to the US [News and World Report. [ source ]. However, if you are one of this vast amount of people with no insurance, ideally, you should still be visiting your local dentist regularly for general maintenance and checkups. While these will cost you, they will, for the most, not be prohibitive costs. In addition, a quick clean and once over by a dental hygienist will give you a heads-up for any potential problems that are building up, giving you more time to organize dental insurance or to find the money necessary to cover the costs.

However, suppose you do not have dental insurance and need to see someone urgently. In that case, there are various options available to you. No one should be in pain or unable to eat because of not being able to afford dental treatment.

Look for a Dentist That Offers Flexible Payment Plans and Financing Options

Dentists near you will offer  payment plans  to people without dental insurance. For example, here in Eastpointe, MI, we have flexible financing options so that even if you don’t have dental insurance, you can be seen and treated, whatever the issue. This option is also available for patients who need to supplement their insurance. Financing is an affordable alternative to paying a large sum of money upfront, which many people simply do not have, especially at the moment. Financing usually involves paying a smaller amount every month to cover the cost of the treatment.

Prioritize Your Dental Health 

The best way to save money on expensive dental procedures is to ensure you do not need them in the first place. If you preemptively take good care of your teeth with regular cleaning and maintenance, you are less likely to need oral surgery procedures, implants, and other more intensive care down the road. This can save you a significant amount of money in the long term. If you do not have insurance, make an advisory appointment with our dental team, who will be happy to give you advice on the best care for your teeth and oral hygiene, or check out local dental schools where dental students can treat patients and get valuable on the job training during your dental visit. 

Look for a Dental Membership Club

Comparable to dental insurance, some dentistry care providers actually offer their own  in-house membership . For a fixed annual fee, you will receive a set number of cleanings, checkups, and even more in-depth procedures such as tooth whitening and X-rays. In addition, some of these memberships also include reasonable discounts on any other services you may need throughout the year, making them a worthwhile option to explore.

Explore Community Health Events  

Suppose you have low income or any other qualifying factors. In that case, you may be entitled to attend a  community health event  if these are offered in your local community. If you cannot make payments towards your dental care at a regular dentist, you may be able to receive at least basic care for free through these charitable events.

Look Outside of the Big Chain Dentists

One problem many people face when looking for low-cost dental care is the perception that they are up against a big chain . Many of the country’s largest dental care providers are known because of their advertising but are often subject to higher-level rules in corporate offices. , Instead, try to find local dental care providers who act independently and have more control over their own costs and patients. If you can work one-on-one with your dentist to set up a plan of action and arrange for payments, you will likely find a good deal and negotiate to make payments on a timetable that works within your budget.

If you require dental visits and frantically searching for ‘dentists near me no insurance’ and are coming up with a blank, think about the tips above or  get in touch  with us today at  Patient Empowered Dentistry . We are happy to see patients who do not have insurance in the Eastpointe, MI area and work with you to come up with an affordable solution to ensure you get the treatment and care you need.

5 Ways You Can Have Access to Affordable Dentistry without Dental Insurance

Are you one of the 40% of Americans who don’t have dental insurance? Are you avoiding visiting the dentist’s office because you don’t have dental insurance?

The consequences of not visiting a dental office could have detrimental effects not only on your oral health but your overall health as well.

According to the AARP , poor oral health for anyone 65 and older can increase their risk of:

• Heart disease by 180%
• Stroke by 300%
• Respiratory infection by 500%

That’s crazy!

On top of that, if you don’t visit the dentist, it will only cost you more in the long run.

Your dental health will progressively get worse, resulting in more complex and expensive procedures.

It’s safe to say getting dental care is important. However, it’s equally as important to find a dentist who offers high-quality care. If you shop around for a “cheap dentist”, it could be putting your smile at risk in terms of health and beauty.

“If I have no insurance and need a dentist near me, what can I do?”

In this blog, we’re going to give you a breakdown of dental costs and 5 ways you can gain access to high-quality dentistry – without breaking the bank.

What kind of dental costs are you looking at without insurance?

Every patient is different, so the costs for various procedures differ from one person to the other. However, it’s helpful to get an idea of a national average of costs for your benefit.

Please note: These costs represent the average costs for dental care nationwide. It doesn’t necessarily reflect the dental costs at Harmony Dental.

The cost of a regular dental visit without insurance.

A regular dental visit normally consists of a professional cleaning, a comprehensive exam, x-rays, and oral cancer screenings. Normally, a complete dental cleaning and exam can average around $150-$350. For a single professional cleaning, the average cost is $70-$200.

The cost of a root canal without insurance.

The cost of a root canal varies depending on the severity of a tooth’s health. A root canal involves saving a tooth from being extracted, involving extensive work. A root canal can average between $300-$2,000.

The cost of a tooth extraction without insurance.

A tooth extraction’s price all depends on the severity and complication of where the tooth is being pulled. A simple extraction averages $75-$450 while a surgical extraction averages between $150-$650.

The cost of a dental crown without insurance.

A dental crown is a critical part of dentistry to restore a tooth’s function and beauty. The average cost of a crown depends on the materials used. The most popular option among patients is all-porcelain crowns, which could cost between $800-$3000.

So, you might be wondering…

How can you pay for dental work with no money or dental insurance?

Never fear! There are 5 ways to gain high-quality dentistry at an affordable price.

1) Sign up for the Oregon Health Plan

The Oregon Health Plan is offered through the state of Oregon that offers free health coverage for people who meet their income requirements. If you meet the low-income requirements, you can receive free dental care near you. Under the OHP, you would have access to medical care, dental care, mental health care, and addiction treatment.

Do you qualify?

You can find out by visiting the state of Oregon’s website. Find out HERE .

But wait – there’s more!

The Oregon Dental Association offers many options, resources, and plans to help you find low-cost dental care.

2) Find local dental schools for an affordable cost

Local dental schools are an excellent source of high-quality dental services at a reduced cost than at a traditional dentist’s office. Aspiring dental students can gain experience over the supervision of experienced, licensed dentists while you can get your dental needs taken care of at an affordable cost.

Is there a catch?

For those with extensive dental issues, be prepared to spend a longer amount of time because the licensed dentist will need to advise and work with the dental student as he or she helps your smile.

Too good to be true?

We’re not joking! You can check out Free Dental Care’s website and find free or low-cost dental clinics near you . Since we’re located in Beaverton, OR , here are some local free dental clinics for adults.

FIND A FREE DENTAL CLINIC

3) Be on the lookout for charity events

There are many dental charities nationwide who provide free dental care to those in need. Some well-known charities and resources include:

• Mission of Mercy : This nonprofit sets up portable dental stations in public areas to provide dental screenings and services – at no charge to those who attend.
• Dentistry From the Heart : This organization involves dentists volunteering their time to provide free dental services for adults and children for an entire day.

4) Try out an in-house insurance program

In-house dental insurance programs are an excellent option if you don’t have dental insurance. It’s an awesome way to maximize on the dentistry you need at a modest price.

Typically, a dentist’s dental savings programs offer:

• Coverage for your preventive care needs (like cleanings, exams, and x-rays)
• A discount on other services
• Benefits that start immediately
• No deductibles, copays, pre-approvals, or annual maximums

They are usually simple, comprehensive, and affordable.

5) Ask your dentist for an in-house payment plan

It can seem overwhelming to pay a bill all at once. That’s completely understandable.

So you may ask yourself, “Will a dentist take payment plans?”

The answer is “Yes!” Ask us about an in-house payment plan . We’re all about adapting to your needs because every financial situation is unique.

We even accept CareCredit , which is your own medical credit card that makes your care even more affordable.

Need to find an affordable dentist in Beaverton, OR?

Dr. Bruno da Costa is a Beaverton dentist who believes in the mantra:

Family. Integrity. Health.

This means he serves you with high-quality dental care with an experienced, friendly dental team . Get to know us better by exploring our website or scheduling a complimentary consultation today.

• Call 503-639-6900
• Email [email protected]
• Visit our New Patients Center

May 17, 2019 at 11:28 am

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July 29, 2020 at 3:15 pm

I have no dental insurance.

July 29, 2020 at 3:16 pm

No dental insurance

February 3, 2021 at 4:33 pm

Dentist charge way too much for the persona king minimum wage. That’s why so many have bad teeth.

June 30, 2021 at 7:55 am

Thank you for this content! Commendable and well-detailed.

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How Much Is A Dental Visit Without Insurance? (Is Insurance Worth It)

Dental health is health, yet not every insurance plan includes dental insurance, especially if it’s a low-cost one. This can be quite frustrating as dental care in the US can be quite pricey sometimes.

So, if you are in need of dental treatment but you don’t have dental insurance coverage, how should you proceed? How much is a dental visit without insurance in the US and is the insurance worth it? Let’s find out below.

How Much is a Dental Visit Without Insurance?

The exact cost of a visit to the dentist without any dental insurance plans will obviously vary depending on what procedures you’re going to need. The maximum you’re going to have to pay out-of-pocket can be in the tens of thousands of dollars in the worst scenarios but that should only be the case if you have a particularly serious problem you need fixed.

More often than not, simple stuff such as routine check-ups, dental X-rays, gums and teeth cleanings of plaque to prevent gum disease, and so on should cost somewhere in the range of $100 to $300 per visit or $200 to $600 per year, assuming that you visit your dentist twice per year as you should for the best possible prevention and care.

What if you need something more than an X-ray or visual exams, however? Those cases can quickly ramp up the overall price of a dentist visit and that’s a big reason why many people are hesitant to go to the dentist when they know they don’t have dental benefits.

This, of course, is a very risky decision to make and it often comes with pricey consequences. Yes, visiting the dentist can reveal costly problems that we often don’t want to deal with when we’re not insured. At the same time, however, not visiting your dentist and letting these problems develop means even bigger and more expensive issues in the near future.

So, even if you don’t have insurance right now, the financial decision likely still is to go to the dentist if you haven’t done so in a while or if you have some concerns – postponing the visit only ramps up future costs to often incomparable degrees and it also poses health risks that go beyond mere monetary concerns.

What Are the Costs of Different Dental Procedures Without Insurance?

So, if we’re talking about something more than a quick check-up and teeth cleaning, what are the potential sums you may be looking to pay?

• Deep dental cleaning – a much more extensive procedure that doesn’t just polish the visible parts of teeth but covers every part, including the roots near the gums to prevent gum disease. As such, deep dental cleaning often costs between $150 to $300 on top of everything else.
• Filling – cavities can cost you somewhere between $100 to $400 per tooth, depending on the size and severity of the problem, on what kind of filling you’re getting, and on the dentist you’ve chosen. For example, a regular resin-based composite filling will usually cost around $200 in the US.
• Tooth extractions – removing a non-wisdom tooth usually costs between $75 and $200 in the US. The main variable to consider here is the type of anesthesia you choose.
• Wisdom teeth removal – wisdom teeth are almost always costlier to remove than other teeth because doing so is harder, usually requires a potent anesthetic, and often needs surgery too. So, you can expect the cost of wisdom teeth removal in the US to be between $120 and $800.
• Crown – the choice between a porcelain crown, ceramic or zirconium crown, one made out of porcelain-fused-to-metal, or just ordinary metal crowns is the chief determining factor here. Such crowns can cost as little as $500 and as much as $3,000.
• Root canals – the exact location of the canal and the severity of the problem can lead to a big price fluctuation but, overall, filling a root canal can cost between $300 and $2,000. The type of filling matters too – some are as simple as using resin-based composite, similar to a cavity filling while others require a crown to be put on top of the filling.
• Veneers – there is a lot of variation here too with many thin veneers costing more than the thicker ones. A thick porcelain veneer tends to cost somewhere around $500 and $1,100 whereas a thinner veneer may be around $700 to $1,300 per tooth.
• Dentures – the cost of traditional dentures in the US is usually between $1,000 and $3,000, depending on the materials used and the overall quality of the dentures. Partial dentures are typically more affordable but not by a lot – their prices typically range between $1,400 and $1,800 based on the same factors as well as the exact size and position in the mouth.
• Bridges – a dental bridge in the US can cost anywhere between $500 and $5,000 or even more, depending on its type and materials. A simple one-tooth fixed bridge made of metal will typically be just a few hundred dollars whereas a bonded ceramic two-teeth bridge mounted on implants can be well into the higher thousands.
• Implants – the cost of an individual tooth implant in the US is often cited to be between $1,500 and $2,000. This is a bit deceptive, however, as that’s just the cost of the implant itself, not the procedure as a whole. When you add the work on the abutment tooth, the crown, and all other related procedures, the total costs typically jump up to somewhere between $3,100 and $5,800.

Does Going to the Dentist Without Insurance Cost More?

A very frustrating paradox of going to the dentist without insurance is that you’re not only going to have to pay the full price of the service but that price is going to be higher than usual too.

That’s because insurance companies are often able to negotiate lower rates for the dentist’s services whereas individual clients don’t have that negotiating power. That’s why the rates for dental work can be so devastating when you’re not ensured.

What can you do to lower the costs of a dentist visit whether or not you have insurance?

Given everything we mentioned above, getting a good dental insurance definitely seems like a good idea for most people, especially if you know or suspect that your teeth aren’t in the best condition they can be in and might need work done in the near future.

By most estimates , American spend an average of $360 on dental insurance premiums per year which is more or less the expected cost of one relatively uneventful trip to the dentist anyway. Given that such insurances usually cover about 50% of the cost, lowers the total cost, and that you’re expected to make two such trips to the dentist a year, it turns out dental insurance pays for itself even if you don’t need much work done on your teeth.

If you don’t have insurance right now, however, and you really need to go to the dentist, what can you do to minimize the hit on your wallet?

For starters, having Medicaid is great for dental needs in some states. Most states provide emergency dental services for people on Medicaid at the very least while some also offer more comprehensive and preventative dental care.

Using CareCredit® can be an easy way to cover your immediate dental expenses if you don’t have cash on hand and the vast majority of dentists accept it as a viable payment option if you don’t have insurance . CareCredit® is essentially similar to a credit card but for health and wellness expenses only.

Most states will also have quite a few free dental clinics and non-profit dental offices that offer dental cleanings and other services to help with your oral health. Such services often won’t be able to cover the more major procedures, however, but they are a good option for proactive and preventative check-ups – certainly infinitely better than just not going to a dentist at all.

Getting a small loan from a friend or family member is also a perfectly viable and wise option if you’re low on cash but haven’t been to the dentist in a while. Expenses on preventative care may be frustrating but they are also one of the smartest things to spend money on as they save a ton of major future expenses.

In Conclusion

We all know that we should floss every time we’re brushing, that we should consider using tools such as dental water jets, and more. Similarly, we all know that going to biannual dental check-ups is a smart idea whether or not we’re feeling any issues. Yet, we often skip that last part.

A big reason for that for many people is that dental care can be expensive if you don’t have insurance. And the numbers bear that out. Yet, even then it’s still advisable to go to a routine dental check-up rather than skip it while also looking into good dental insurance plans too.

Related posts:

• Is Dental Insurance Worth It? (Pros & Coins)
• How Much Do Dental Implants Cost with Cigna Insurance? (Price Chart)
• 9 Best Dental Insurance With No Waiting Period (Price Chart)
• What Dental Insurance Does Walmart Have? (A Quick Guide)
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• PPO vs HMO Dental Insurance: Which is Better?
• 20 Best Dental Health Books for Kids
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Doctors take on dental duties to reach low-income and uninsured patients

By Kate Ruder

April 9, 2024 / 5:00 AM EDT / KFF Health News

DENVER — Pediatrician Patricia Braun and her team saw roughly 100 children at a community health clinic on a recent Monday. They gave flu shots and treatments for illnesses like ear infections. But Braun also did something most primary care doctors don't. She peered inside mouths searching for cavities or she brushed fluoride varnish on their teeth.

"We're seeing more oral disease than the general population. There is a bigger need," Braun said of the patients she treats at Bernard F. Gipson Eastside Family Health Center, which is part of Denver Health , the largest safety-net hospital in Colorado, serving low-income, uninsured, and underinsured residents.

Braun is part of a trend across the United States to integrate oral health into medical checkups for children, pregnant women, and others who cannot afford or do not have easy access to dentists. With federal and private funding, these programs have expanded in the past 10 years, but they face socioeconomic barriers, workforce shortages, and the challenge of dealing with the needs of new immigrants.

With a five-year, $6 million federal grant, Braun and her colleagues have helped train 250 primary care providers in oral health in Colorado, Montana, Wyoming, and Arizona. Similar projects are wrapping up in Illinois, Michigan, Virginia, and New York, funded by the federal Health Resources and Services Administration's Maternal and Child Health Bureau. Beyond assessment, education, and preventive care, primary care providers refer patients to on- or off-site dentists, or work with embedded dental hygienists as part of their practice. 

"Federally qualified health centers have a long history of co-locating dental services within their systems," Braun said. "We're taking that next step where care is not just co-located, meaning, say, we're upstairs and dental is downstairs, but we're integrated so that it becomes part of the same visit for the patient."

Having doctors, nurses, and physician assistants who assess oral health, make referrals, and apply fluoride at community health centers is critical for the many children who lack access to dental care, said Tara Callaghan, director of operations for the Montana Primary Care Association, which represents 14 federally qualified health centers and five Urban Indian organizations.

"Providing these services during medical visits increases the frequency of fluoride application," Callaghan said, and "improves parents' knowledge of caring for their child's teeth." But obstacles remain.

Because of Montana's large geographic area and small population, recruiting dental professionals is difficult, Callaghan said. Fifty of the state's 56 counties are designated dental shortage areas and some counties don't have a single dentist who takes Medicaid, she added. Montana ranks near the bottom for residents having access to fluoridated water , which can prevent cavities and strengthen teeth.

Pediatric dental specialists, in particular, are scarce in rural areas, with families sometimes driving hours to neighboring counties for care, she said.

Embedding dental hygienists with medical doctors is one way to reach patients in a single medical visit.

Valerie Cuzella, a registered dental hygienist, works closely with Braun and others at Denver Health, which serves nearly half of the city's children and has embedded hygienists in five of its clinics that see children.

State regulations vary on which services hygienists can provide without supervision from a dentist. In Colorado, Cuzella can, among other things, independently perform X-rays and apply silver diamine fluoride, a tool to harden teeth and slow decay. She does all this in a cozy corner office.

Braun and Cuzella work so closely that they often finish each other's sentences. Throughout the day they text each other, taking advantage of brief lulls when Cuzella can pop into an exam room to check for gum disease or demonstrate good brushing habits. Braun herself takes similar opportunities to assess oral health during her exams, and both focus on educating parents.

Medical and dental care have traditionally been siloed. "Schools are getting better at interprofessional collaboration and education, but by and large we train separately, we practice separately," said Katy Battani, a registered dental hygienist and assistant professor at Georgetown University.

Battani is trying to bridge the divide by helping community health centers in nine states — including California, Texas, and Maryland — integrate dental care into prenatal visits for pregnant women. Pregnancy creates opportunities to improve oral health because some women gain dental coverage with Medicaid and see providers at least once a month, Battani said.

In Denver, housing instability, language barriers, lack of transportation, and the "astronomical cost" of dentistry without insurance make dental care inaccessible for many children, the migrant community, and seniors , said Sung Cho, a dentist who oversees the dental program at STRIDE Community Health Center, serving the Denver metro area.

STRIDE tries to overcome these barriers by offering interpretation services and a sliding pay scale for those without insurance. That includes people like Celinda Ochoa, 35, of Wheat Ridge, who waited at STRIDE Community Health Center while her 15-year-old son, Alexander, had his teeth cleaned. He was flagged for dental care during a past medical checkup and now he and his three siblings regularly see a dentist and hygienist at STRIDE.

One of Ochoa's children has Medicaid dental coverage, but her three others are uninsured, and they couldn't otherwise afford dental care , said Ochoa. STRIDE offers an exam, X-rays, and cleaning for $60 for the uninsured.

In the past year, Cho has seen an influx of migrants and refugees who have never seen a dentist before and need extensive care. Medical exams for refugees at STRIDE increased to 1,700 in 2023 from 1,300 in 2022, said Ryn Moravec, STRIDE's director of development. She estimates the program has seen 800 to 1,000 new immigrants in 2024.

Even with growing needs, Cho said the Medicaid "unwinding" — the process underway to reexamine post-pandemic eligibility for the government program that provides health coverage for people with low incomes and disabilities — has created financial uncertainty. He said he worries about meeting the upfront costs of new staff and of replacing aging dental equipment. 

At STRIDE's Wheat Ridge clinic, two hygienists float between dental and pediatrics as part of the medical-dental integration. Yet Cho said he needs more hygienists at other locations to keep up with demand. The pandemic created bottlenecks of need that are only now being slowly cleared, particularly because few dentists take Medicaid. If they do accept it, they often limit the number of Medicaid patients they'll take, said Moravec. Ideally, STRIDE could hire two hygienists and three dental assistants, Moravec said.

In 2022, Colorado enacted a law to alleviate workforce shortages by allowing dental therapists — midlevel providers who do preventive and restorative care — to practice. But Colorado does not have any schools to train or accredit them. 

Before age 3, children are scheduled to see a pediatrician for 12 well visits, a metric that medical and dental integration capitalizes on , particularly for at-risk children. As part of Braun's program in the Rocky Mountain region, providers have applied more than 17,000 fluoride varnishes and increased the percentage of children 3 and younger who received preventive oral health care to 78% from 33% in its first 2½ years.

Callaghan, at the Montana Primary Care Association, witnesses that on the ground at community health centers in Montana. "It's about leveraging the fact that kids see their medical provider for a well-child visit much more often and before they see their dental provider — if they have one."

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

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by Olivia Anderson

April 12, 2024

Original Article

What exactly is the VA Dental Insurance Program?

Veterans without dental care could be eligible for discounted private insurance.

While most people are familiar with the U.S. Department of Veterans Affairs, not everyone knows about the specific services the VA offers, from delivering naloxone prescriptions to housing homeless veterans. One particular program, the VA Dental Insurance Program, has arguably flown under the radar over the years — but the VA wants to change that. 

Some veterans are eligible for VA health care and receive free dental care, but many do not, which has led to a perception that the VA does not provide significant dental benefits to veterans. However, the VA Dental Insurance Program can assist those ineligible or only partially eligible for free VA dental care with purchasing private dental insurance at a reduced cost. 

Scott Trapp, D.D.S., VA deputy director for dentistry, said that the hope is to spread awareness about the VA Dental Insurance Program and help veterans understand the full list of options when it comes to taking charge of their oral health. 

“We want veterans to know about it. We want veterans to know that there are options,” Dr. Trapp said. “Veterans have worked hard all their lives, and this is an option for them to get that dental benefit.” 

The VA Dental Insurance Program provides discounted private dental insurance for eligible veterans and their families. Someone might qualify if they are a veteran who is enrolled in VA health care or if they are the current spouse or dependent child of a veteran or service member who is enrolled in the Civilian Health and Medical Program of the VA. 

The VA Dental Insurance Program plans cover common dental procedures such as diagnostic services, preventive dental care, root canals, dental surgery and emergency dental care. The coverage costs will depend on what insurance company and plan the beneficiary selects. 

The program is administered by Delta Dental and MetLife. Delta Dental offers three options: the enhanced plan, which is best for routine dental care, the comprehensive plan, which is best for those needing additional dental work, and the prime plan, which is best for those needing maximum coverage on major procedures. MetLife provides a standard option, which includes no cost for in-network cleanings, X-rays and exams, and a high option, which provides the former as well as additional protection from unforeseen dental costs. 

Visit the Delta Dental and MetLife websites to learn more about dental plan benefit options.

According to Dr. Trapp, these programs offer a similar level of benefits offered to federal employees and members of Congress. 

Originally established as a pilot program by the Caregivers and Veterans Omnibus Health Services Act of 2012, the VA Dental Insurance Program initially examined whether offering a premium-based dental insurance program was feasible. The pilot ran from Jan. 1, 2014, to Jan. 31, 2017, and passage of the VA Dental Insurance Reauthorization Act of 2016 allowed the VA Dental Insurance Program to continue until Dec. 31, 2021. In September 2021, the Department of Veterans Affairs Expiring Authorities Act of 2021 became law, making the VA Dental Insurance Program permanent for eligible veterans and dependents. 

“The VA recognized a need to help veterans to make sure they had access to dental care, so this option was explored,” Dr. Trapp said.   

Essentially, it’s a way to provide affordable oral health care to veterans who might not otherwise have access to it. Receiving VA dental care benefits hinges on many factors, such as military service history, current health status and living situation. Generally, veterans must either have a dental issue that is service-connected or be based on criteria like being a former prisoner of war or having a total disability. 

Even though many veterans do not qualify for comprehensive VA dental care, Dr. Trapp emphasized that the VA is eager and willing to work with all veterans to give them the care they need. He said the VA health care system is unlike traditional indemnity insurance plans or federally qualified health centers, because it’s geared specifically toward each veteran’s individual needs. 

“It’s a customized approach based upon the individual veteran’s health care needs. And we can provide that specialized approach based upon their medical problems [or] their oral problems,” Dr. Trapp said. “We deal with veterans that have very unique problems, and we’re specialized on how to handle those problems. That’s what makes our system very unique.”

For more information about the VA Dental Insurance Program, visit the VA’s dental care webpage .

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Best Dental Plans for Seniors in 2024

The best dental plans scored well in all of our review categories, including cost, availability, and in-network providers.

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• Easy-to-navigate patient portal app
• 24/7 customer service for select plans
• Affordable preventive services

• Major discounts available when bundling dental and vision
• Consultation-free access to specialists
• More than 335,000 providers in its network

• 100% coverage for preventative treatments
• Low monthly premiums
• Coverage for dentures after a waiting period

• No waiting periods for most types of dental care
• All plans come with two free exams and three annual cleanings
• Option to add vision, life, and disability policies

• Preventive care covered for in-network and out-of-network providers
• Easy-to-use online cost estimator
• Fast claims payouts

• Discounts for services not typically covered by insurance
• No waiting periods
• Dental insurance alternative

• PPO and HMO plans available
• Several plans to choose from
• Large provider network

• Plans designed for seniors available
• Extensive provider network
• Low deductibles for most plans

• Portable dental plans
• Coverage for emergency care and services
• Plans for families and federal employees
• Our Methodology
• Our Top Picks
• 4. Spirit Dental & Vision
• 5. Guardian
• 6. Careington
• 8. UnitedHealthcare

Seniors over the age of 65 are typically at increased risk of oral problems such as cavities, gum disease, and oral cancers. However, only 53 percent of Medicare beneficiaries have dental insurance to cover costs for treatment of these oral problems. 1 Unfortunately, many older adults face the issue of losing company health coverage when they retire , and most Medicare-sponsored plans offer minimal or no dental coverage. This can leave a majority of aging individuals in need of a dental insurance plan at an affordable cost.

We have put together a list of the top dental companies based on availability, in-network providers, coverage options, and cost. Below, you’ll find an updated listing of the top senior dental plans for 2024.

Money-saving Tip: Check out our list of free and low-cost dental plans for seniors to learn how you can save on oral care.

Our Methodology: How We Chose Our Top Dental Insurance Picks

Shopping for a quality dental plan? Our list covers everything you need to know. We researched the best dental insurance plans for seniors by looking at premiums, benefits and discounts, waiting periods, deductibles, and more. Our content was reviewed by dental experts to ensure we showcased the best options of older adults.

If you’re a retiring senior, read our guide to help you find the perfect dental plan customized for your needs.

Top 10 Highest Ranked Senior Dental Plans for 2024

What we like most.

With more than 88,000 dentists and over 309,000 provider locations nationwide, Cigna is a well-known dental insurance provider. If you love traveling, or have considered living abroad for an extended period, Cigna might be a great choice for affordable dental insurance coverage.

Cigna offers three coverage options, including an affordable preventive care package that covers 100 percent of associated costs such as exams, X-rays, basic cleanings, and fluoride treatments. The Cigna Dental Preventive Plan has no deductibles or copays for office visits, and an approximate $19 average monthly premium. Many seniors appreciate that Cigna Dental PPO plans don’t require patients to self-submit claims or pay the entire cost of treatments up front. Cigna’s dentists always file claims, and you simply pay the remaining balance. Keep in mind that you can choose from low deductible plans, high annual maximum plans, or bundled plans for more comprehensive coverage.

Did You Know? In some cases, you can choose a Cigna dental care insurance plan through your workplace or employer.

Pros About Cigna

• Nationwide coverage
• Biannual exams, cleanings, and X-rays are included in plans
• No primary dentist required for patients with a PPO
• No claims for patients to file
• 24/7 customer service for Cigna Dental Preventive Plan
• Offers three-in-one bundled plans (dental, vision, and hearing with monthly premiums low as $32 per month)
• Over 17 million customers
• Great customer service
• Offers affordable dental savings program

Cons About Cigna

• Coverage and benefits vary depending on your state
• One-year waiting period before higher-level coverage is active
• Payout percentages for basic services are lower than other providers

The Cigna Dental Preventive Plan covers the cost of cleanings, fluoride applications, oral exams, X-rays, sealant, and non-orthodontic space maintainers. These are covered 100 percent twice per year. The Cigna Dental 1000 plan, conversely, maxes out at $1,000 per person annually and has a $50 and $150 deductible for individual and family plans, respectively. The average monthly premium starts at $33 but may vary. In comparison, Cigna Dental 1500 is best for those who may need additional dental care such as orthodontia with an average monthly premium of $39.

With the highest amount of coverage, Cigna Dental 5000/250 Insurance Plan is capped at $5,000 per person per year and has a maximum $250 deductible per person. Both plans have a one-year waiting period for major procedure coverage, but they cover a portion of dental work, including root canals, crowns, and fillings. The Cigna Dental 5000/250 plan covers orthodontics, while the Cigna Dental 1000 plan does not, but Cigna has you covered with a range of plans and coverage levels between the two. Specific plan pricing varies tremendously by state, but typically ranges from $20 to $60 per person per month.

The Bottom Line

Seniors seeking flexible dental insurance at great rates with global coverage should consider Cigna. As a PPO, you have no primary dentist and have a large network of providers. Cigna also pays a portion of most services from out-of-network providers, making it very convenient. Older adults will find the company’s website easy to navigate and won’t have to worry about processing claims or paying out of pocket for covered expenses.

Humana is one of the nation’s largest dental insurance providers, offering plans for employers, groups, and individuals. With highly-rated customer service and affordable plans, Humana is popular among seniors because it offers special veterans’ programs and a loyalty program to most consumers. These plans may include discounts on hearing exams, alternative medical therapies, and prescription discounts. They can even be combined with vision insurance. With over 335,000 dental care providers in its network, finding care with Humana is a breeze online, via the mobile app, or by calling customer service.

Pros About Humana

• Benefits increase annually for three years under Humana’s Loyalty Plus Dental Plan
• Affordable preventative care dental plans starting at $18 per month
• Combining dental and vision coverage gets policyholders great discounts on multiple services
• Patients can see specialists without consulting a primary-care dentist with a PPO plan
• Convenient online features and a mobile app streamline the experience
• Special discounts and packages for veterans
• Recognized for customer satisfaction by J.D. Power in 2023

Cons About Humana

• Higher fees for smokers
• One-time enrollment fees and monthly administrative fees for select dental plans
• Not all plans are available in every state

Humana offers numerous programs, such as the Dental Savings Plus Discount Plan. It’s an affordable dental discount plan that is accepted by participating dentists, rather than a typical insurance plan. Customers pay a flat monthly rate of $6.99 and a $15 enrollment fee with an average of $14 savings on copays for non-emergent office visits. A few of the plans have a $35 enrollment fee, and costs vary depending on your home state, age, smoking status, and the package you choose. Top options include Humana Bright Plus Veterans, Preventive Value, and Loyalty. The latter has a one-time deductible rather than an annual one, making it the most comprehensive (and expensive) plan.

Did You Know? You might be able to get a $0 monthly premium Humana Medicare Advantage plan with extra benefits like dental coverage and vision coverage if eligible. Contact Humana for more information.

Convenient and cost-effective, Humana dental insurance is the best deal in today’s market for people who have served in the military under the Bright Plus Veterans plan. Only a one-year commitment is required to enjoy the immense benefits of this exclusive program. Seniors can easily find a dentist, review benefits and coverage, access account information, claim statuses, check prescription prices, locate a pharmacy, and refill prescriptions through the MyHumana app.

Aetna, with its nationwide network of more than 420,000 providers, is one of the most popular insurers in the U.S. for individuals and families. Aetna is a solid dental insurance provider with numerous options to consider. Currently, Aetna offers three main PPO plans with the most inexpensive one starting at $19.80 per month. Plus, they offer a dental discount card, Aetna Vital Savings , for instant savings of 15 to 50 percent off most dental services, with card rates starting at $7.99 per month.

Pros About Aetna

• Plans cover 100 percent of preventive treatments
• Easy-to-navigate website with convenient online claim forms and tracking
• Can add vision coverage to your dental plan
• Offers dental discount card for more savings

Cons About Aetna

• Waiting periods range from six months to a year and a half
• Payments must be made online
• Aetna Vital Savings (dental discount card) not available in some states

Premiums vary depending on your state of residence and current health condition . On average, the lowest premiums cost between $20 and $31, while upgraded plans average $45 to $70. Those are some of the most reasonable rates on the market, making Aetna dental insurance a great deal for eligible seniors.

With low rates and exceptional coverage through a wide network of top-notch dentists, Aetna dental plans offer a great way to save money and maintain oral health. Seniors with Aetna will enjoy up to 50 percent coverage for denture repairs and affordable coverage for new dentures and replacements.

Spirit Dental stands out among dental insurance providers for a number of reasons. In addition to plans with in-network providers and those that allow you to pick your own dentist, Spirit Dental has no waiting period for basic dental care or even major services such as bridges or crowns. Customers receive two free exams and three annual cleanings with every plan, which is rare for the industry. Moreover, the longer you maintain policies, the higher your savings. Spirit Dental offers vision, life, and disability add-on policies in addition to dental benefits. It doesn’t deny any applications, but it does exclude certain pre-existing conditions such as broken dentures, teeth, or implants.

Pros About Spirit Dental & Vision

• No applications are denied
• Senior-specific plan called the Senior Preferred Network
• Senior-friendly policies
• $100 lifetime deductible
• Up to $5,000 annual benefit maximum is higher than most competitors
• Three dental cleanings per year
• Can save up to 25 to 50 percent with PPO plans
• Guaranteed acceptance

Cons About Spirit Dental & Vision

• Only covers dental issues obtained during coverage periods
• Out-of-network providers cost more

Spirit Dental plans cover two people, but the company also offers family plans for more  comprehensive coverage. Rates for couples depend on the plan you choose and your location, with averages ranging from $45 to $200 per month. Family plans cost more, but include up to $5,000 maximum coverage with a lifetime $100 deductible. Preventive care is 100 percent covered, and vision insurance can be added for as little as $7 monthly. Additionally, if you have a Spirit Dental Senior Preferred Plan, you can choose to opt in for hearing coverage.

Seniors looking to stick to a single dental provider long-term may enjoy greater benefits with Spirit Dental. Along with guaranteed acceptance, policy rates are affordable, with most basic procedures covered at up to 65 percent in the first year. These savings can increase to 90 percent by the third year of coverage. Plus, you can choose your dentist, giving you more autonomy over your dental care. You can also save on more expensive treatments such as dental implants, crowns, bridges, and more.

Guardian offers four primary dental insurance plans that can help seniors enjoy better oral health without breaking the bank. Of all the companies we reviewed, Guardian appears to offer the best coverage at the best rates. It has an extensive network of providers and service locations, but there is a catch: Guardian has over 120,000 in-network providers in 400,000 locations nationwide, about half the offering of many other providers on this list. Older adults residing in those states can use Guardian’s “search by ZIP code” function to find some great deals and dental coverage. Plans often cover the full cost of preventive care, such as standard cleanings and X-rays, and offer up to 80 percent discounts on basic procedures such as extractions or fillings.

Pros About Guardian

• Preventive care is covered with in- and out-of-network dental providers
• Guardian has more than 120,000 in-network dental providers
• The dental cost estimator online is accurate
• Easy-to-use online account portal
• No cancellation fees or penalties
• Some dental plans may not cover teeth whitening procedures

Cons About Guardian

• Some of the plans are currently only available in select states
• Waiting periods for select plans

Guardian has four dental plans: Diamond, Achiever, Core, and Starter. Plan costs vary depending on the state you live in and the type of coverage you need. On average, the plans range from a budget-friendly $15 per month to comprehensive coverage expenses of around $37 per month, but the cost will also vary between individual plans and family plans. With guaranteed approval and a wide selection of over 120,000 dentists, seniors can get the important dental work they need on time.

Seniors may not only appreciate the value of Guardian dental plans, but also find that navigating the company’s online system is rather easy and safe. Using a tablet, computer, or smartphone, policyholders can quickly access a list of providers, track claims, get dental work cost estimates, and explore the more than 120,000 participating dentists with Guardian. This provider also requires minimal claim forms (if any) and pays out claims rather quickly, with turnarounds averaging two to 14 days.

Did You Know? Many Medicare Advantage plans include dental benefits, along with other benefits and perks. Read our guide to the best dental supplement plans to find out if one of these plans might be a better fit for you.

If you sign up for a Guardian dental insurance plan within 120 days after leaving an employer-sponsored Guardian dental plan, you have the opportunity to skip the waiting period and receive the highest benefit. Learn more on Guardian’s website .

Careington offers a dental discount program called the 500 Series Plan, which is not to be confused with traditional insurance. Rather, this type of program allows just about anyone to receive discounts ranging from 20 percent off normal rates on an array of dental procedures. Most preventive, restorative, and cosmetic procedures, such as dentures and implants, that aren’t typically covered are discounted with a 500 Series Plan. Customers simply pay an annual fee to gain immediate coverage and access to a network of thousands of participating dental offices that offer discounted services for members. There are no annual spending caps, and you can change dentists at any time as long as the provider is listed in the network.

Pros About Careington

• Low one-time enrollment cost
• Unlimited benefits
• 30-day risk-free trial for 500 Series Plan
• Free benefits for hearing and vision needs, prescriptions, and some specialty health care
• No referral necessary to see specialists
• No waiting periods or health restrictions

Cons About Careington

• May not be as comprehensive as traditional insurance
• Plan members pay all costs not covered by the program
• Not insurance
• 500 Series Plan not available in Vermont or Washington
• 500 Series Plan has a $20 non-refundable setup fee for the first year

Founded in 1993, Careington has helped over one million people find affordable insurance plans. On average, customers can expect to save 15 to 60 percent on dental care, according to the company. Careington currently offers three plans: The 500 Series Plan, the Care POS Plan, and the Care Plus Plan. The most affordable plan, the Care POS Plan, starts at just $89 per year, which equates to $7.42 per month for one member. If you decide to add two members, the monthly fee equates to $11.58 per month, and for three members, it’s $169 a year.

There is also a one-time non-refundable $20 processing set-up fee when you sign up for the first year. Benefits are available for immediate use. Fee schedules and actual savings for each procedure are listed by the individual providers and vary from dentist to dentist. If you aren’t happy with your plan, then you can cancel at any time within 30 days.

Careington’s dental plans are great for seniors looking for a low-cost alternative to traditional insurance. They are excellent for people who don’t require major dental work, as well as people who need dentures. There are no health checks, age requirements, or pre-authorizations needed before seeking treatment under the Careington program. There is also no long waiting period, so you can seek care right away. You’ll also enjoy the extra discounts for vision, hearing, and prescription services. Sign up today to enjoy significant savings without dealing with insurance paperwork.

Delta Dental policyholders can choose from over 152,000 network providers across the country. Delta is one of the largest providers in the nation, and it offers the flexibility of both an HMO-type plan, which allows you to choose providers and see up-front costs, and a PPO plan, where you can get extra discounts by using the preferred provider network and choosing a primary dentist. Seniors can save up to 80 percent on basic and major services with Delta Dental plans.

Currently, individuals and families can choose from four dental insurance plans or a discount plan, Delta Dental Patient Direct.

One of the benefits of choosing Delta Dental is that it can dictate the maximum out-of-pocket costs within several of its plans. For example, it may specify that a crown will cost policyholders a maximum of $300.

Did You Know? Dental care can be expensive. Check out the Delta Dental Cost Estimator , which allows you to get an idea of how much different dental care treatments would cost in your area.

Pros About Delta

• Customers can choose between a PPO or HMO dental plan
• Up-front fee listings are available from providers
• Some services have maximum out-of-pocket costs
• Great dental plans for seniors and retirees

Cons About Delta

• Fairly high monthly rates
• Rates increase for people over the age of 50
• Available in a limited number of states

Delta Dental Premier, averages $50 for one person, $100 for two people, and $154 for a family plan. The averages depend on whether you choose the HMO- or PPO-type plan, as well as the age of the people listed on the policy. Most packages fully cover two preventive sessions annually.

Delta Dental is ideal for seniors looking for a reliable program with a large network of providers to choose from. Budget-minded seniors can see up-front costs of services with potential providers before making a choice, so there are no surprises at the dentist’s office. If you need major dental services such as dentures, root canals, and crowns, then Delta Dental may be a good candidate.

As one of the nation’s most recognized health insurance providers, UnitedHealthcare has an extensive dental network than most of its competitors. The savings are consistent and predictable with dental insurance from UnitedHealthcare, but prepare to pay more for comprehensive and premium plans. There are, however, cheaper plans with higher copays and lower coverage limits for seniors on a budget.

Currently, UnitedHealthcare offers four dental plans for individuals and families, depending on your location: Premier Choice, Premier Elite, Premier Plus, and Premier Max.

One of the most important things to keep in mind before enrolling in a UnitedHealthcare dental insurance plan is that there are long waiting periods for procedures beyond preventive care. A four- to six-month wait is required for fillings and extractions, for example, and major services such as root canals aren’t covered for 12 months. There are also strict limitations on treatments for pre-existing conditions such as broken dentures or teeth.

Pros About UnitedHealthcare

• Senior-specific plans are available
• Deductibles are low for most programs — especially family plans
• One of the largest selections of in-network providers
• Preventive care is available immediately
• Access to additional benefits such as hearing aid discounts
• Option to add a vision benefit

Cons About UnitedHealthcare

• Long waiting periods for major services, between four months and a year
• No coverage for pre-existing conditions such as dentures, broken teeth, and bridge issues
• Plans vary by state

UnitedHealthcare’s four main dental plans have starting prices ranging from around $40 to $70. Just remember prices will vary by age, state, and health status. We recommend contacting the company directly for its latest rates. If the rates fall in line with UnitedHealthcare’s health insurance rates, then expect them to be on the higher end of the spectrum.

Seniors who prefer an in-network provider will enjoy the flexibility of UnitedHealthcare since it offers several deductible and premium levels. There are options to use out-of-network providers, but procedures may cost you more out of pocket. One of the greatest benefits for seniors with this company is that it offers age-specific plans designed for older adults. These policies specifically cover common senior dental needs such as dentures, bridges, and dental implants.

MetLife is best known for working with small and large enterprises to provide group life, dental, and other types of insurance for their employees. MetLife, however, also offers family and individual programs through its MetLife TakeAlong Dental plans, assisting over 20 million customers. Essentially, these plans are designed as “portable” dental insurance that can be transferred between jobs and even into retirement via a Preferred Provider Organization (PPO) through MetLife. That gives seniors the option to choose a lower-cost provider in the network while still enjoying the freedom to choose any dentist or specialist they prefer at higher rates.

Pros About MetLife

• Coverage for 24/7 emergency care and services
• Retirees under an existing plan can easily transition into a PPO individual or family plan
• Expanded diagnostic benefits for procedures like brush biopsies
• Set fees for multiple service procedures and materials to minimize fee confusion
• MetLife TakeAlong Dental for on-the-go dental coverage
• Offers special dental coverage for families of federal employees through Veteran Affairs Dental Insurance Program and Federal Dental Plan

Cons About MetLife

• Very few options for individual dental plans
• Pricing disclosure is limited online
• Web portal is more designed for businesses and employee members

There are no fixed prices for MetLife TakeAlong Dental plans, since it depends on several factors including age, health, and smoking habits. MetLife Dental PPO Plans offer 100 percent preventative care coverage and up to 80 percent coverage for most basic dental procedures.

MetLife’s dental programs are a great way to enhance retirement benefits and keep a smile on your face. With coverage for services such as implants, dentures, veneers, and other commonly needed procedures for seniors, MetLife may be the right option to meet your needs.

Why Is Dental Insurance Important for Older Adults?

Taking care of our oral health becomes more important as we age. Older adults have specific dental needs, such as dealing with gum disease and gum recession, root decay, broken or lost teeth, and even arthritic conditions that can lead to dental problems. It’s a good idea for older adults near retirement age to begin looking for a plan to avoid costly coverage gaps, since Medicare doesn’t offer dental coverage.

Most dental insurance companies offer an array of plans, ranging from basic preventive-only coverage and discount savings plans to comprehensive traditional packages and “gold-level” plans. Except for dental discount plans, most programs have at least a six-month waiting period for coverage to kick in, especially for major dental work. This makes finding a new policy before losing any current coverage essential for older adults.

How Much Is Senior Dental Insurance?

Stand-alone dental insurance plans can range anywhere from $30 per month to over $100 monthly for individual plans, and family programs average triple those estimates depending on coverage levels. Deductibles typically average between $50 and $150 per year, but some plans offer a one-time deductible for premium policies. The most affordable option for people seeking temporary or low-cost care is to invest between $75 and $150 in a dental insurance discount program that offers enrollees substantial discounts on all services within days of signing up. Costs vary for different types of coverage by state, age, number of enrollees, and your selected plan.

Senior Dental Plans and Dentures

Dentures are often covered under certain dental insurance plans and/or dental savings or discount programs. However, under most traditional dental insurance programs, members will have to wait a year or more to qualify for denture-related services. The good news is that most dental discount plans offer some level of denture coverage within days of enrollment for a small annual enrollment fee. It’s important to check each plan carefully to see if there is a pre-existing condition clause that prohibits dentures and repairs unless the teeth are lost or broken during a period of coverage under the policy.

KFF. (2021). Medicare and Dental Coverage: A Closer Look .

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How much is Dovato without insurance?

Key takeaways

Dovato is a combination tablet containing dolutegravir and lamivudine that is approved by the Food and Drug Administration (FDA) for treating HIV-1 infection.

The price for a one-month supply of Dovato is over $3000, but SingleCare’s discount card and coupons can lower this amount substantially.

Despite Dovato not having a generic alternative, savings may be achieved by taking generic lamivudine alongside brand-name dolutegravir (Tivicay), but healthcare provider approval is required.

Other antiretroviral drug options can be pursued as alternatives to Dovato, but based on patient-specific factors and drug interactions, an alternative may not be suitable.

Is Dovato covered by insurance? | How much does Dovato cost without insurance? | How to get Dovato without insurance

Dovato treats HIV-1 infection by containing two active antiviral ingredients, dolutegravir and lamivudine. The retail price for Dovato is $3700 (without insurance) for 30 tablets, each containing 50 mg of dolutegravir and 300 mg of lamivudine. It is only available by prescription, and while the drug has no over-the-counter (OTC) alternatives, other antiviral options exist. If Dovato is the preferred therapeutic, ways to reduce costs can be found. We will explore them here.

Related: Dovato dosage  

What is the generic for Dovato?

No generic version is available for Dovato. However, lamivudine alone can be obtained as a generic, costing $580 for 30 300 mg tablets. Coupling that with dolutegravir would require a prescription of Tivicay, the brand name product containing only dolutegravir as an active ingredient. Tivicay has no generic counterpart and is priced at $2800 for 30, 50 mg tablets. If one were to take separate generic lamivudine and brand-name dolutegravir, the combined retail price would be $3400 without insurance.

Is Dovato covered by insurance?

Health insurance and Medicare typically cover Dovato, but it can vary by plan. For example, Humana lists the drug as covered in 2024 at a Tier 1 level, meaning a lower copayment than higher tiers. Aetna’s Standard Control Plan labels Dovato as a specialty preferred drug, which translates to a lower copay than nonpreferred drugs. 

If you have Medicare , coverage will depend on which Part D prescription drug plan you have purchased. Medicare’s website lists total out-of-pocket costs for Dovato, including the plan premium and the drug, for 8 months, with the lowest prices ranging from about $3300 to $4000, depending on one’s plan and location.

How much does Dovato cost without insurance?

With insurance coverage, the out-of-pocket cost of Dovato will depend on an individual plan’s formulary listing and copayment amounts. To be more accurate about the drug’s cost with insurance, you may want to factor in how much of an insurance plan’s premium expense is linked to prescription drug coverage. 

If you are uninsured, when determining Dovato’s expenses, the math works out as follows:

• $3700 for a 30-day supply of 50 mg/300 mg tablets
• $123 per tablet
• $44,000 per year

The exact numbers may vary depending on the pharmacy, but this will also be true for alternatives. To provide a comparison, using the same arithmetic, taking separate dolutegravir (brand Tivicay) and generic lamivudine is associated with the following costs:

• $3400 for a 30-day supply of Tivicay 50 mg and lamivudine 300 mg tablets
• $113 per day
• $40,800 per year

Adjusting antiretroviral treatment for HIV requires the guidance of healthcare providers and pharmacists. Their medical advice is necessary before making any changes. Initial HIV antiviral therapy can differ from later choices as viral load test results can change the recommended treatment. Additionally, co-infection with the hepatitis B virus can impact decision-making regarding medications. Antivirals are notorious for interacting with various other drugs, which can lead to serious side effects. Any alternatives being considered must be vetted for interactions by having a healthcare professional carefully review one’s list of other prescription drugs, OTC agents, supplements, and health conditions.

Prescription drug prices often change. These are the most accurate medication prices at the time of publishing. The listed price without insurance references the price of brand-name drugs (unless otherwise specified). The listed SingleCare price references the price of generic drugs, if available. Click the link under “Savings options” to see the latest drug prices.

How to get Dovato without insurance

If you are taking Dovato, the monthly prices can seem daunting, like many brand-name medications. However, savings opportunities can be found, and the differences can be significant. The pharmaceutical company that makes Dovato, Viiv Healthcare, offers enrollment in a patient assistance program that could provide the drug for free to eligible patients and the ViivConnect Savings Card. Still, eligibility guidelines for these offerings can be exclusive. 

In comparison, more widely available options for saving on Dovato include the following:

• Presenting a SingleCare discount card to the pharmacist can take Dovato’s monthly price down from $3700 to $2900, saving you $800.
• SingleCare Dovato coupons are available to use at participating pharmacies.
• If your healthcare provider approves a change to separate lamivudine and Tivicay (dolutegravir), the monthly expense would be $3400, and if a SingleCare discount card or free coupon was used for this combination, the monthly price drops to about $2300. Combined savings in one month from taking two separate tablets with the active ingredients and from using SingleCare discounts amounts to $1400.
• Alternative antiretroviral drug options can be reviewed with the treating medical provider and then priced at a pharmacy. Not all alternatives may be recommended for an individual or be associated with savings, but the effort to ask can still be worthwhile.
• Humana 2024 formulary , Humana (2024)
• Aetna Standard Control Plan formulary , Aetna (2024)
• Humana Medicare drug pricing app , Humana (2024)
• Medicare Part D drug pricing tool , Medicare (2024)
• Viiv Healthcare resources , Viiv Healthcare (2024)

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