Root canals are a common procedure used to repair and save damaged or infected teeth. Although they can be expensive, dental health insurance can help cover the cost of a root canal. In this article, we will explain the basics of root canal costs and how different types of insurance policies can help reduce your expenses.
Root Canal Cost Without Insurance
The average cost of a root canal varies depending on the type of tooth being treated. For front teeth, the procedure typically costs between $300-$1500, while bicuspids are slightly less expensive at around $250-$1300. Molars tend to be the priciest option, running anywhere from $400–3000 per tooth. Fortunately, with dental insurance and other types of coverage, you can significantly reduce your out-of-pocket expenses.
Root Canal Cost With Insurance
Many health and dental insurance policies provide coverage for root canals. Generally speaking, basic health insurance plans will cover 50–60% of the cost, while more comprehensive plans may cover up to 70–80%. Generally speaking, plans that offer higher monthly premiums or larger annual deductibles have more coverage for costly procedures like root canals. Additionally, some employers may offer supplemental coverage that also covers part or all of the cost of a root canal. It’s important to review your policy documents carefully before making a decision about whether or not to pursue treatment. Additionally, some insurers may offer discounts or special rates on root canal procedures. However, it is important to check with your insurer to understand what is covered and the available discounts that may be available.
With the most comprehensive dental insurance plans, it’s possible to greatly reduce the out-of-pocket cost of a root canal. According to Value Penguin, some employers offer the highest option of coverage which can bring a $1000 root canal down to as low as $300 or $500. These plans may come with larger monthly premiums — up to around $100-$150 per month depending on the employer.