Are Crowns Covered by Insurance?

Are you in need of a dental crown? You may be wondering if your insurance policy will cover the cost. This can be a confusing topic, so we’re here to break it down for you. In this article, we’ll dive into the ins and outs of dental crown insurance coverage.

What is a Dental Crown?

A dental crown is a cap that goes over a damaged or decayed tooth. It can improve the tooth’s appearance and strength, as well as protect it from further damage. Crowns can be made from a variety of materials, including porcelain, ceramic, and metal alloys.

Why Would I Need a Dental Crown?

There are several reasons you may need a dental crown, including:

Reasons for a Dental Crown
To protect a weak tooth
If you have a tooth that is weakened due to decay or damage, a crown can provide extra strength and durability.
To hold a dental bridge in place
Crowns are often used to anchor dental bridges in place, helping to replace missing teeth.
To cover a dental implant
After a dental implant is placed in your jaw, a crown can be placed on top to create a natural-looking tooth replacement.
To improve the appearance of a tooth
If you have a discolored or misshapen tooth, a crown can be used to improve its appearance.

Is Dental Crown Coverage Included in Most Insurance Plans?

Dental insurance policies vary widely in what they cover. Some policies will cover dental crowns, while others may only cover a portion of the cost. It’s important to note that many insurance policies have a waiting period before coverage for major procedures, like a dental crown, kicks in.

What Factors Affect Dental Crown Insurance Coverage?

Several factors can affect your dental crown insurance coverage, including:

Factors Affecting Dental Crown Coverage
The type of dental insurance plan you have
Some dental insurance plans cover more than others. It’s important to review your policy to see what it covers.
The reason you need the dental crown
Some insurance policies only cover crowns if they are needed for functional purposes (like protecting a weak tooth), while others may also cover cosmetic reasons (like improving the appearance of a tooth).
The amount you’ve already used toward your annual maximum
Most dental insurance policies have an annual maximum, which is the amount the insurance company will cover each year. If you’ve used a large portion of that amount on other procedures, you may have less coverage remaining for a dental crown.

How Much Does a Dental Crown Cost?

The cost of a dental crown can vary widely depending on a variety of factors, including the type of material used, the extent of the damage to the tooth, and the location of the tooth in your mouth. On average, a dental crown can cost anywhere from $800 to $1,500. If you need a crown on multiple teeth or require additional procedures, the cost can quickly add up.

Is it Worth Paying Out of Pocket for a Dental Crown?

If your insurance policy doesn’t cover the full cost of a dental crown, you may need to pay out of pocket. In some cases, it may still be worth it to get the crown if it’s necessary to protect your oral health. However, if the cost is prohibitive, you may want to explore other options, such as dental financing or a dental savings plan.


Q: Does dental insurance cover all types of crowns?

A: Dental insurance policies differ in what they cover, so it’s important to review your policy to see what’s included. Some policies may only cover certain types of crowns, while others may cover all options.

Q: Can I get a dental crown without insurance?

A: Yes, you can still get a dental crown even if you don’t have insurance. However, you will need to pay out of pocket for the procedure. If cost is a concern, talk to your dentist about payment options or financing plans.

Q: How long does a dental crown last?

A: The lifespan of a dental crown can vary depending on a number of factors, including the type of material used and how well you care for your teeth. On average, a dental crown can last anywhere from 5 to 15 years.

Q: Are there any alternatives to dental crowns?

A: Depending on your specific dental needs, there may be alternative treatments to a dental crown. For example, if you only need to improve the appearance of a tooth, you may be a candidate for a veneer instead. Your dentist can help you explore your options.

Q: What should I do if I need a dental crown but can’t afford one?

A: If you’re struggling to afford a dental crown, talk to your dentist about payment options or financing plans. You may also want to explore dental savings plans or other resources that can help make treatment more affordable.

Final Thoughts

If you need a dental crown, it’s important to understand your insurance coverage and the potential costs involved. While dental crowns can be expensive, they can also be necessary for protecting your oral health. Talk to your dentist about your options and explore ways to make treatment more affordable if necessary.