Dental insurance covers a range of procedures, from routine maintenance to major treatments, at a low cost. Gum grafting is one of the major services this supplemental insurance policy can help pay for. This procedure, typically performed by a periodontist, can help you restore receding gums to avoid sensitivity, prevent further dental problems, and recover a healthy smile. This article will explain how gum grafts work to help you understand their costs and get the right dental coverage for your needs.
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Gum grafting is a dental procedure that treats gum recession, a periodontal condition where your gum line begins pulling away from your teeth and exposing the roots. The periodontist will start the procedure by administering local anesthesia to numb the affected area.1 They may also offer sedation methods, such as nitrous oxide, to maximize comfort during the procedure. Then, they’ll make a small incision in the gums to clean the tooth roots and prepare the site to receive the graft.
Next, the periodontist will make a small incision in your palate, the roof of your mouth, and remove a small amount of tissue from the inner layer to leave the outer layer intact. They will suture the wound to close it. If there’s enough gum tissue near the target site, the periodontist may take tissue from that area instead. Finally, they will place the graft on the site, readjusting the surrounding gum tissue and suturing the wound closed. Depending on the stitches used, you may have to schedule a follow-up appointment to have them removed.1
Many dental insurance policies cover at least part of the cost of medically necessary gum graft procedures since they may be required to stop further gum recession. Failing to stop gum recession can lead to downsides like:
Gum grafts performed purely for cosmetic reasons often won't be covered by dental insurance.
Gum grafts can cost anywhere from $2,120 to $4,982 per area, depending on various factors.2 However, there may be additional costs associated with a gum graft:
As mentioned earlier, dental insurance can help reduce the cost if you need a gum graft for medical reasons. The exact coverage varies by policy type, coverage amount, and insurer, but regardless, it can help make this treatment more affordable.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedHere are some factors that impact the cost of gum grafts:
The amount and severity of gum recession impact costs significantly. Numerous and more severe gum recession may be more complex and require extensive time and effort to resolve. This can make the procedure cost more due to the extra time, resources (such as anesthesia), and skill needed.
Certain types of gum grafts are more extensive and require more effort to successfully complete. There are several types of grafts:5
A dentist specializing in gum disease and similar structures is called a periodontist. Working with a periodontist to get a gum graft may cost more than a general dentist to account for the additional training and expertise. However, some prefer the added peace of mind of receiving treatment from a gum disease specialist.
Some locations may have higher costs of living. This means the periodontist has to charge more to stay profitable, leading to higher gum grafting costs. For example, major cities may have more provider options to compare within close proximity, but the higher cost of living is reflected in higher costs of procedures. On the other hand, traveling to a periodontist in a less populated area could help save money, but fewer providers will be in any given area.
Gum grafts can be worth it for patients experiencing gum recession and similar issues. Here are some reasons to consider gum grafting:
Although oral health care can be costly, Aflac’s dental insurance can help reduce costs and put treatment within financial reach. Start chatting with an agent today to learn more and get a dental insurance quote.
Get StartedEmergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
Affordable dental insurance is possible. Aflac walks through the average dental insurance costs and discusses your low-cost dental insurance options.
1 Grove Dental Clinic - Gum Graft Surgery What to Expect and How It Works. Published October 7, 2024. https://grovedentalclinic.com/gum-graft-surgery-what-to-expect-and-how-it-works/. Accessed May 22, 2025.
2 Well U - How Much Does Gum Grafting Cost? Price and Procedure Guide. Published November 15, 2024. https://www.carecredit.com/well-u/health-wellness/gum-graft-cost-financing/. Accessed May 22, 2025.
3 World of Dentistry - Discover Gum Contouring Risks and How to Avoid Them. Published July 25, 2024. https://worldofdentistry.org/gum-contouring-risks/#How_much_does_gum_contouring_cost_per_a_single_tooth. Accessed May 22, 2025.
4 PS Dental Services - Gum Disease Got You Down? Here's the Real Deal on Treatment costs. Published May 16, 2025. https://www.psdentalservices.com/periodontal-gum-disease-treatment-cost/. Accessed May 22, 2025.
5 Smiles by Hanna – The Cost of Gum Grafting: Surgery Insights and Expenses. Updated January 3, 2024. https://www.smilesbyhanna.com/about-us/. Accessed May 23,, 2025.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R–A82400R. In Idaho, Policies A82100RID–A82400RID. In Oklahoma, Policies A82100ROK–A82400ROK. In Virginia, Policies A82100RVA–A82400RVA.
Dental, Vision, and Hearing coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (NAIC 92908).
Dental, Vision and Hearing: In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing. NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Coverage may not be available in all states, including but not limited to NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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