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How Much Does It Cost to Fix a Chipped Tooth Without Insurance?

The cost to fix a chipped tooth can range from $288 to $7,000, depending on factors like the type of treatment you need.1,2 What’s often true, however, is that you’ll pay more out-of-pocket without dental insurance than you would if you have an insurance plan. Aflac’s network and supplemental dental insurance plans for individuals can help cover the treatment needed to fix a chipped tooth. Read on to learn how much it costs to fix a chipped tooth without insurance and how dental insurance can help reduce your costs.

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Key Takeaways

  • Fixing a chipped tooth could cost anywhere from $288 to $7,000 depending on the type of procedure required.1,2
  • You can save money when fixing a chipped tooth by using a dental insurance plan, negotiating a payment plan, or using dental discount plans.
  • Aflac’s network dental insurance plan can help cover medically necessary procedures to help with chipped teeth. We also offer supplemental dental insurance that can pay cash benefits direct to the policyholder, unless assigned otherwise, to help with expenses not covered by your insurance plan.

Types of treatment options for a chipped tooth4

Depending on the level of damage, there are several treatment options for a chipped tooth:

Dental bonding

With dental bonding, a dentist or oral surgeon fuses a tooth-colored composite resin material to your natural tooth. This treatment can repair chips, close gaps, or change the shape or color of a tooth.3

Dental crowns

A dental crown is a cap that goes over a tooth to restore damage. They may be made from metal, resin, porcelain-fused-to-metal, or other materials. Dental crowns can be used to repair teeth that have decay or chips or cover dental implants or severely discolored teeth.4

Dental veneers

Dental veneers are custom-made shells created to fit over the front surfaces of your teeth to conceal cracks, chips, and other cosmetic issues.3 These may be used to cover up significant chips.

Dental implants

Dental implants are a surgical tooth replacement option, filling gaps in your smile with artificial teeth like crowns, bridges, or dentures.5 They may be used to replace severely chipped teeth that have to be removed entirely.

How much does repairing a chipped tooth cost without insurance?

Without insurance, you’ll be on the hook for the full cost of repairing a chipped tooth. These costs range depending on the type of procedure:

Type of procedure Cost
Dental bonding $288 - $9151
Dental crowns $800 - $2,5006
Dental veneers $500 - $2,8957
Dental implants $3,000 - $7,0002
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Additional factors that affect the cost of fixing a chipped tooth

The type of procedure is one of the most significant factors that affects the cost of fixing a chipped tooth, but it’s not the only one. Some others include:

  • Severity of the chip: More severe chips that have removed part of the enamel or done significant damage to the tooth will cost more to fix.
  • Follow-up procedures: If you need additional procedures to fix the tooth, they will cost more money.
  • Location: Dentist offices tend to charge more in areas with higher costs of living due to the higher wages they must pay staff.
  • Insurance coverage: Dental insurance can often help cover procedures to fix chipped teeth, which can reduce your out-of-pocket costs.

Does dental insurance cover the cost of a chipped tooth?

Dental insurance usually helps with a part of the cost to fix a chipped tooth if fixing the issue is deemed medically necessary by a dentist. If it’s purely cosmetic and the chip poses no risk of damaging the tooth further, insurance may not cover the procedure.

  • Insurance can make a significant difference in the price of fixing a chipped tooth if medically necessary.

Aflac’s network dental insurance plans can help cover many dental services. We also offer supplemental dental insurance that can provide a cash benefit direct to the policyholder, unless assigned otherwise, for out-of-pocket expenses not covered by your primary insurance plan.

Other ways to save money on repairing a chipped tooth

Repairing a chipped tooth can be a significant expense without insurance, but there are a few other ways you can save money:

  • Dental discount plans: Dental discount plans are alternatives to dental insurance that allow you to buy an annual membership plan that offers discounts on dental procedures like potentially fixing a chipped tooth.
  • Payment plans: You can often negotiate your dental bill if you show paying the bill will cause financial hardship. Your dentist may work with you to offer a payment plan to reduce the upfront costs and make it easier to pay for services.

Get a quote for Aflac dental insurance

While chipping a tooth can be painful, a dentist can help fix this issue, and a dental insurance plan can help reduce your out-of-pocket costs. Aflac offers both primary dental insurance and supplemental dental insurance plans to help reduce your out-of-pocket costs when getting procedures to fix chipped teeth. Chat with an agent today to learn more about the coverage we offer and get a quote.

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