Dental crowns are a common dental procedure that is used to restore damaged or decayed teeth. They are made of different materials such as porcelain, ceramic, metal, or a combination of these materials. Dental crowns can be quite expensive, which is why many people wonder whether their dental insurance can cover the cost. In this article, we will explore whether dental insurance covers crowns and what options are available for those who need this dental treatment.
What is a Dental Crown?
A dental crown is a cap that covers the entire tooth. It is used to protect a weak or damaged tooth from further decay and to restore its function and appearance. Dental crowns can also be used for cosmetic purposes to enhance the look of a misshapen or discolored tooth. The procedure to place a crown involves removing a portion of the tooth to make room for the crown and then placing the crown over the remaining tooth structure.
Materials Used for Dental Crowns
Dental crowns can be made of different materials, and the type of material used can affect the cost of the procedure. The most common materials used for dental crowns are:
Material |
Cost |
Porcelain |
$800 – $3,000 |
Ceramic |
$800 – $3,000 |
Metal |
$600 – $2,500 |
Combination of materials |
$800 – $3,000 |
Does Dental Insurance Cover Crowns?
The answer to this question is not clear-cut. Some dental insurance plans may cover a portion of the cost of a dental crown, while others may not cover it at all. The extent of coverage may also depend on the reason for the crown.
Coverage for Health Reasons
If a dental crown is necessary for health reasons, such as to protect a damaged tooth or to prevent further decay, then most dental insurance plans will cover at least a portion of the cost. The exact amount of coverage can vary widely depending on the specific plan, but it is not uncommon for insurance to cover 50-80% of the cost.
Coverage for Cosmetic Reasons
If a dental crown is needed for cosmetic reasons, such as to improve the appearance of a misshapen or discolored tooth, then dental insurance may not cover any of the cost. Cosmetic procedures are typically not covered by insurance, and dental crowns used for cosmetic purposes fall into this category.
What are the Options for those who Need a Dental Crown?
For those who need a dental crown but do not have dental insurance or whose insurance does not cover the full cost, there are several options available.
Payment Plans
Many dental offices offer payment plans for those who cannot afford to pay for a dental crown upfront. These plans allow patients to pay for the procedure in installments over a period of time.
Dental Discount Plans
Dental discount plans are an alternative to traditional dental insurance. These plans offer discounted rates for dental procedures, including dental crowns. Patients pay an annual fee to be a member of the plan and can then access discounted rates at participating dental offices.
Dental Schools
Some dental schools offer discounted rates for dental services, including dental crowns. These services are provided by dental students under the supervision of licensed dentists. The cost of the procedure is typically much lower than it would be at a private dental office.
Frequently Asked Questions
1. How long does a dental crown last?
Dental crowns can last between 5 and 15 years, depending on the material used and how well they are taken care of.
2. Is getting a dental crown painful?
The procedure to place a dental crown is typically not painful. Local anesthesia is used to numb the area, and patients may feel some pressure or discomfort during the procedure, but it should not be painful.
3. Can a dental crown fall off or break?
It is possible for a dental crown to come loose or break, but this is rare. Proper care and maintenance can help prevent these issues.
4. Are there any risks associated with getting a dental crown?
Like any dental procedure, there are some risks associated with getting a dental crown. These include sensitivity, infection, and nerve damage, but these risks are rare.
5. How much does a dental crown cost?
The cost of a dental crown can vary widely depending on the material used and the location of the dental office. On average, a dental crown can cost anywhere from $800 to $3,000.
Conclusion
Dental crowns are a common dental procedure that can be used to restore damaged or decayed teeth. While dental insurance may cover a portion of the cost, the extent of coverage can vary widely depending on the specific plan and the reason for the crown. For those who need a dental crown but do not have insurance or whose insurance does not cover the full cost, there are several options available, such as payment plans, dental discount plans, and dental schools.
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