Last updated: March 2026
How Much Does Dental Inlay Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Porcelain Inlay | $650 – $1,300 | $200 – $525 |
| Gold Inlay | $700 – $1,400 | $225 – $550 |
| Composite Inlay | $600 – $1,100 | $175 – $425 |
CPT/ADA Code: D2542
What Affects the Cost
- Geographic location (urban areas cost 20-40% more)
- Dentist experience and specialization
- Type of dental insurance plan (PPO vs HMO/DHMO)
- Whether the procedure is classified as preventive, basic, or major
- Lab and material costs
- Number of teeth or surfaces involved
Insurance Coverage
Typical coverage: Major restorative — typically 50% after deductible
Most dental PPO plans have an annual maximum of $1,000-$2,500. Preventive care (cleanings, exams, X-rays) is typically covered at 100%. Basic procedures (fillings, simple extractions) at 70-80%. Major procedures (crowns, bridges, implants) at 50%. Many plans have a 6-12 month waiting period for major work.
How to Save Money
- Dental schools offer procedures at 50-70% discount
- Dental discount plans save 20-50% for $80-$200/year
- Ask about payment plans — many dentists offer CareCredit 0% financing
- Community health centers provide sliding-scale pricing
- Get quotes from 2-3 dentists in your area
- Consider dental tourism for expensive procedures
Related Procedures & Costs
Frequently Asked Questions
A dental inlay is an indirect filling that fits within the cusps of a tooth. It is custom-made in a lab from porcelain, gold, or composite and cemented into the cavity.
Inlays are stronger, more durable, and better fitting than direct fillings for medium-to-large cavities. They can last 20+ years compared to 5-10 years for composite fillings.
Traditional inlays require two visits — preparation and impression at the first visit, placement at the second. Same-day CAD/CAM inlays can be completed in one visit.