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How Much Does a Cavity Filling Cost?

Cavities are one of the most common oral health issues. In fact, nearly 90% of U.S. adults have had decay in their teeth at some point in their lives.1 Just because they're common, however, doesn't mean they're inexpensive to fix. Luckily, Aflac offers network dental insurance for individuals and families that can lower the out-of-pocket cost of your cavity fillings. Let's explore how dental fillings work and how much they may cost with and without insurance.

4 Min Read

Table of Contents

Key Takeaways

  • Dental fillings are materials that fill cavities or repair damaged teeth. Getting fillings quickly can prevent your tooth decay from getting worse.
  • The cost of tooth fillings can range from $100 to $1,150 per tooth, depending on a number of factors.2
  • Aflac network dental insurance for individuals and families covers basic services like amalgam and composite dental fillings, which can reduce your out-of-pocket costs.

What are tooth fillings?

Tooth fillings are a treatment for cavities or minor tooth damage. They can repair the small holes that develop from tooth decay by filling in the space, which helps restore your tooth’s shape and function.

Dental fillings help prevent decay from spreading, reducing your risk of needing a crown or root canal down the line. By acting fast, you may avoid more serious dental issues and the associated costs of fixing them in the future.

How do tooth fillings work?

When you go in for a tooth filling, your dentist will:3

  • Numb the area around the tooth with a local anesthetic to minimize discomfort.
  • Remove the damaged or decayed parts of the tooth.
  • Fill the space with a durable filling material, such as resin-based composite or amalgam.
  • Use specialized tools to shape and polish the tooth after the filling hardens.

Types of dental fillings

Dental fillings can be made from several types of materials, including:

  • Amalgam: These fillings feature a blend of metals, such as silver, tin, copper, and mercury. They're durable and cost-effective, but they’re often more noticeable than other options.
  • Composite: These fillings are made from resin that matches your natural tooth color. They blend in better than amalgam, but they may not last as long as metal fillings.
  • Gold: These fillings are strong and long-lasting, but they’re often more expensive and less commonly used today.
  • Porcelain: Also known as inlays, these fillings are stain resistant and custom made to fit your teeth. They’re typically the most expensive option.

The right option may depend on your tooth’s location, budget and dentist’s recommendation.

How much does a cavity filling cost?

Dental charges for fillings can range from $100 to $1,150 per tooth, depending on the type of material you choose. Below are the average cost ranges for each filling type:2

Filling type Cost range
Amalgam $100 - $350
Composite $100 - $400
Gold $250 - $650
Porcelain $500 - $2,800

Along with filling material, the following factors can impact the cost of dental fillings:

  • Cavity size: Larger cavities usually require more filling material, so they may cost more to fill. This highlights how treating decay early can help you avoid higher costs later on.
  • Number of teeth being filled: Some dentists may offer a discount when you need to receive multiple fillings, but costs can still add up. The more teeth you need to fill, the higher your overall costs may be.
  • Additional services: If you need X-rays or extra anesthesia during your dental filling appointment, you may have to pay more.
  • Insurance: Many dental insurance plans can help cover the cost of your dental fillings. But if you don't have dental insurance, you'll have to pay for your fillings out of pocket.

How much does a tooth filling cost without insurance?

The cost of a tooth filling with dental insurance depends on your plan’s deductible and coinsurance, as well as your dentist and location. Even after factoring these costs into your filling procedure, you’ll typically pay less than you would without insurance.

For instance, let’s say your dental insurance plan covers 80% of basic services, and you need a composite cavity filling for $400. In this case, your plan would cover $320, leaving you responsible for the remaining $80.

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Does insurance cover cavity filling costs?

Dental fillings are typically considered medically necessary procedures, so many dental insurance plans cover them. Aflac network dental insurance policies provide coverage for amalgam and composite tooth fillings, along with many other basic services. This coverage can help reduce your out-of-pocket costs as you maintain your oral health.

How long do dental fillings last?

The lifespan of your dental fillings largely depends on the materials used and how well you care for them. Below is a breakdown of the average lifespan for the most commonly used materials:

  • Amalgam: 15 years
  • Composite: 7 years
  • Gold: 20+ years
  • Porcelain: 15 years

Practicing good oral hygiene and visiting your dentist regularly can help extend the life of your fillings. If a filling becomes loose, worn or painful, your dentist may need to repair or replace it.

Learn more about Aflac dental insurance coverage

Dental fillings can help prevent tooth decay from developing into a more serious issue. With Aflac dental insurance, you can often get the dental fillings you need at a lower cost.

Ready to get a dental insurance plan? Explore Aflac network dental insurance plans and chat with an agent today to get a personalized quote.

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