Last updated: March 2026
How Much Does Dental Filling Cost?
Without Insurance
$150 – $400
Average: $275
With Insurance
$25 – $100
Average: $63
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Composite (tooth-colored) | $150 – $400 | $25 – $100 |
| Amalgam (silver) | $100 – $250 | $20 – $75 |
| Gold Inlay | $500 – $1,500 | $150 – $500 |
| Porcelain Inlay | $500 – $1,200 | $150 – $400 |
CPT/ADA Code: D2391
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: 60-80% after deductible (basic restorative)
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.
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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
Yes, most plans cover fillings at 60-80%. Some pay amalgam rate even for composite — you pay the difference.
Composite: 5-10 years. Amalgam: 10-15 years. Gold/porcelain inlays: 15-20+ years.
Composite matches your teeth and bonds to tooth structure. Amalgam is cheaper and more durable for large back-tooth fillings.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.