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Individuals & Families
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How Much is a Dental Visit with and Without Insurance?

The CDC recommends adults visit the dentist at least annually for preventative care to maintain good oral health and to help keep your teeth clean.1 Aflac’s primary dental insurance plans for individuals has coverage options available for your dental care. Additionally, we offer supplemental dental insurance that can give you extra coverage for expenses not covered by your primary insurance plan. Read on to learn about common dental care costs and how dental insurance can significantly reduce your out-of-pocket expenses.

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Key Takeaways

  • A basic dental cleaning can cost between $75 and $200 without insurance, and the cost of a dental visit can vary depending on the procedures needed.2
  • Regular dental visits are essential for preventive care, helping to catch small issues early before they turn into more serious and costly problems.
  • Aflac offers network dental insurance for individuals to support regular dental care, supplemental dental insurance that pays cash benefits direct to policyholder unless otherwise assigned, to help cover non-dental expenses, and Dental, Vision and Hearing (DVH) insurance plans that provide three types of coverage in one policy.

How much does a dental visit cost without insurance?

The cost of dental visits may vary significantly depending on what they involve:

Routine cleanings2

Without insurance, a basic dental cleaning will likely cost between $75 and $200. However, with insurance, it may be less. Insurance policies will typically cover routine cleanings each year, but may require a copayment for additional visits.

Dental procedures

If you need to undergo a dental procedure, you should expect to pay more without insurance. Below are some examples of what you can expect to pay without insurance for some common procedures:

Type of procedure Cost
Dental filling $50 - $4503
Dental bonding $288 - $9154
Dental crowns $800 - $2,5005
Dental veneers $500 - $2,8956
Dental implants $3,000 - $7,0007

Dental insurance can help pay for medically necessary procedures, reducing your out-of-pocket costs. Policy specifics vary, but insurers typically offer at least partial coverage after you meet your deductible and copay requirements.

Does insurance cover dental visits?

Aflac’s primary dental insurance plans for individuals covers preventative, basic, and major services that you may need during a dental visit. Aflac supplemental dental insurance can also provide cash benefits for expenses that are not covered by your primary insurance plan, such as deductible costs. Additionally, Aflac’s DVH insurance allows you to combine dental, vision, and hearing coverage into a single collective plan.

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How much is a dental visit with insurance?

While dental insurance may not cover the full cost of a visit, it can significantly lower your out-of-pocket costs. Every policy is different, and other dental visits may still cost less with insurance than without insurance. Many dental plans follow a 100/80/50 structure, where preventive care is covered at 100%, basic procedures at 80%, and major procedures at 50%.8 For example:

  • If your dental insurance plan covers 80% of basic procedures, a dental filling may cost you $20 rather than $100.
  • If your dental insurance plan covers 50% of major procedures, you may pay $750 instead of $1,500 for a dental crown.

Why dental visits are important

Visiting the dentist regularly is important for several key reasons:

  • Preventative care: Regular dental visits can help you maintain a healthy smile and prevent significant issues.
  • Pain management: Dentists can identify and treat the source of oral pain — such as tooth decay, infection, or gum disease — before it worsens.
  • Cost savings: Getting regular cleanings and addressing concerns early on can help you avoid more complex and expensive treatments down the line.

Get a quote for Aflac dental insurance

Everyone should see the dentist regularly to help maintain a healthy smile and reduce the likelihood of needing major dental procedures in the future. With dental insurance, the costs of visiting the dentist may be significantly less than they would be without insurance.

Aflac offers primary dental insurance, supplemental dental insurance, and DVH insurance plans for individuals and families, giving you several options for paying for dental visits. To learn more about your coverage options, speak with an Aflac agent and get a quote today.

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