Does Dental Insurance Cover Crowns?

A dental insurance plan can help reduce the costs of various dental care expenses to help you keep your teeth healthy. Premiums tend to be affordable, although exact rates vary by insurer and policy type.¹ Aflac offers primary and supplemental dental insurance (additional insurance that can help you pay for dental care expenses your primary insurance doesn't cover) with coverage for crowns. Read on to learn more about crown costs and dental insurance.

3.5 Min Read

Table of Contents

Key Takeaways

Crowns can cost between $800 and $2,500 without insurance, and can range from $400 to $1,250 with a dental insurance plan (which can cover 50% of major services).²
Aflac offers primary and supplemental dental insurance plans for individuals that offer coverage for crowns.

What is dental insurance, and what does it cover?

Dental insurance is type of policy that can help policyholders pay for dental care costs. A primary dental insurance plan from Aflac can help cover the following types of care:

Preventative care: This includes routine cleanings, exams, and X-rays to help catch issues early and maintain oral health.
Basic procedures: Fillings, simple extractions, and non-surgical periodontal treatments fall under this category.
Major procedures: You can also receive coverage for major services, including oral surgery, crowns, and endodontics.

Additionally, Aflac offers supplemental dental insurance for individuals that can help policyholders pay for dental care costs not covered by their primary insurance. This policy provides cash benefits to help cover a variety of services. We also offer the option for policyholders to get three types of supplemental coverage in one plan with our Dental, Vision and Hearing Insurance. You can purchase a primary or supplemental dental insurance policy directly through Aflac.

How dental crowns work

Dental crowns are custom-made caps designed to permanently replace weak, damaged, or decayed teeth. These devices fit snugly over the target tooth, restoring its appearance and function. They help you eat and speak normally while preventing further damage and decay. Plus, they restore your smile by mimicking natural teeth. Dentists can make crowns with various materials, such as:²

Porcelain
Zirconia
Metal
Resin

Are crowns covered by dental insurance?

Since medically necessary crowns are considered a major restorative procedure, most dental insurance plans, including Aflac’s primary dental insurance, cover 50% of the cost.³ We offer primary dental insurance plans with various coverage levels, including full coverage. These plans also have an annual maximum benefit that increases over time, along with a deductible that decreases if you maintain your plan for several years.

Aflac’s supplemental dental insurance can pay cash benefits for various dental care expenses, including crowns. Chat with an agent to learn more about our coverage options.

Peace of mind doesn't have to break the bank

Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.

Get Started

How much do crowns cost with and without dental insurance?

Crown costs vary widely depending on the provider, materials, and the tooth. However, on average, crowns tend to cost around $800 to $2,500 without insurance.² As mentioned earlier, many dental plans, including Aflac’s primary dental insurance, can cover 50% of the cost of crowns. With insurance, you might pay $400 to $1,250 after deductibles, copays, or coinsurance. This means you can save hundreds on crowns while maintaining dental coverage for just a few dollars a month.

For example, let’s say Emily needed a crown on one of her molars, and her dentist quoted her $1,200 for the procedure. Thanks to her dental insurance plan covering 50% of the cost, and after a $50 deductible, she ended up paying $650 out of pocket. Without insurance, the full cost would’ve made a much bigger dent in her monthly budget.

Factors that affect the cost of a dental crown

Dental crowns vary widely in cost based on several factors:

Materials used: The material used plays a significant role in dental crown costs. For instance, the cost of a zirconia crown can range from $1,000 to $2,500, while a porcelain fused to metal crown can cost between $800 and $2,400.²
Tooth placement complexity: The more complex the tooth placement and procedure is, the more it may cost. For instance, teeth that are harder to access, such as back teeth, may cost more due to the extra care and work needed.
Other procedures needed: Sometimes, dentists must perform other procedures to prepare for the dental crown. For instance, if the target tooth has a pulp infection, the dentist may need to perform a root canal first to prevent the condition from worsening.²
Your location: Dentists in urban areas may charge more due to the higher cost of living and demand for services. Additionally, states with more stringent operational standards or tighter business regulations could drive up dental costs.

How to get a dental insurance plan from Aflac

Here are the steps you can take to get a dental insurance plan from Aflac:

Fill out the following online form.
An Aflac representative will give you a call to walk through your coverage options. They’ll answer your questions and help you choose the right type of dental insurance plan.

You can also call 1-855-782-5850 to start the process over the phone.

Get a dental insurance quote

Crowns restore the appearance and function of your teeth but can be expensive when paid out of pocket. The right dental insurance policy can put this treatment within financial reach, helping you get the care you need without breaking the bank.

Aflac offers primary and supplemental dental insurance plans for individuals, with rates and terms to help suit your dental care needs and budget. Speak with an agent today to learn more and get a quote.

Get Started