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How Much are Dental Visits Without Insurance?

Dental visits play an important role in maintaining your oral health, but costs can add up quickly when you don't have insurance coverage. So, how much is a dental visit without insurance, and how much can you expect to pay with coverage? Aflac offers network dental insurance for individuals and families with a wide range of coverage options. Read on to learn how much dental visits cost and how insurance can help reduce your out-of-pocket expenses.

3 min. read

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Key Takeaways

  • The average cost of a routine dental visit without insurance ranges from $75 to $200, depending on your location and the services you receive.1
  • Dental insurance can significantly reduce your out-of-pocket costs for many preventive, basic and major services.
  • Aflac’s dental insurance is designed to help make routine dental care and unexpected procedures more affordable.

How much are dental visits without insurance?

Experts recommend visiting your dentist at least twice a year.2 However, nearly one-third of adults under 35 haven’t seen a dentist in over 12 months. Lack of insurance coverage and cost concerns are two leading causes for this gap in routine dental care.3

Dental visits can be expensive without insurance. A routine dental consultation without insurance may cost between $50 and $350, depending on whether you need X-rays or additional evaluations.4 The cost of a pediatric dental visit without insurance is often similar to an adult visit, though it can vary based on your child’s needs and treatments.

Here are the average out-of-pocket costs for some other common dental services:1

  • Dental cleaning: $75 to $200
  • Cavity filling: $100 to $1,050
  • Dental crown: $800 to $2,500
  • Root canal: $700 to $2,100
  • Simple tooth extraction: $50 to $500
  • Dentures: $1,000 to $28,000
  • Wisdom tooth removal: $200 to $1,100 per tooth

Does dental insurance cover dental visits?

Yes, dental insurance can help cover medically necessary dental visits, from routine cleanings to more complex procedures. For example, Aflac’s network dental insurance can help you pay for:

  • Preventive care, such as routine exams, cleanings, X-rays and sealants for children under 16
  • Basic services, like cavity fillings, simple extractions and non-surgical periodontal services
  • Major procedures, such as crowns, bridges, dentures and oral surgery

Additionally, our supplemental dental insurance can provide cash benefits for expenses that aren’t covered by your primary plan, making your dental care even more affordable.

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How much is a dental visit with insurance?

Dental insurance can significantly lower your out-of-pocket costs compared to what you would pay for a dental visit without insurance. Many plans follow a 100/80/50 coverage structure, in which:

  • Preventive care is covered at 100%.
  • Basic services are covered at 80%.
  • Major procedures are covered at 50%.

For example, let’s say you need a $100 filling. If your plan covers 80% of this basic service, you’ll only be responsible for paying the remaining $20. Better yet, if your plan covers 100% of preventive care, you can often get your biannual cleanings and dental checkups free of cost.

Just keep in mind that coverage levels are only one factor that affects your out-of-pocket expenses. Other factors include your plan’s deductible, copays, coinsurance, waiting periods and annual maximum.

Why dental visits are important

Now that you understand how dental insurance can make dental care more affordable, you may wonder if dental visits are truly worth it. Visiting the dentist regularly is important for the following reasons:

  • It protects your oral health: Routine dental care can help you keep a healthy smile and prevent serious problems from developing, such as gum disease or tooth decay.
  • It can help catch problems early: Regular visits can also help you address issues early, so you don’t need more complex and expensive treatments later on.
  • It ensures you’re prepared for the unexpected: Dental insurance can help cover unexpected dental emergencies, making it easier to access essential care when you need it.

Get Aflac dental insurance to help cover dental visits

Regular dental visits can help you maintain a healthy smile and reduce the likelihood of needing major dental work in the future. However, the cost of a dental visit without insurance can be difficult to manage on your own.

Fortunately, Aflac’s dental insurance offers comprehensive coverage with affordable premiums. Our network plans can help reduce your out-of-pocket costs for routine visits and unexpected procedures, while our supplemental dental insurance can help you cover additional expenses.

Speak with an Aflac agent today to explore your options and get a quote.

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