Last updated: March 2026
How Much Does Silver Diamine Fluoride (SDF) Treatment Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| SDF Application (per tooth) | $25 – $50 | $0 – $15 |
| SDF Application (multiple teeth) | $50 – $75 | $10 – $25 |
| SDF with Follow-Up Application | $50 – $100 | $10 – $35 |
CPT/ADA Code: D1354
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: Preventive — increasingly covered by dental plans; some cover at 100%
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
SDF is a liquid applied to cavities to stop decay from progressing. It kills bacteria and hardens the tooth structure without drilling or injections.
Yes, SDF permanently stains the decayed area dark brown or black. It is often used on baby teeth or less visible areas where appearance is less of a concern.
SDF arrests decay but does not restore the tooth structure. It may need reapplication every 6-12 months and is often used as a bridge until definitive treatment can be performed.