Root Canal Costs: With & Without Insurance
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Table of Contents
- Average Root Canal Costs
- Reduce Costs With Insurance
- What to Expect
- Offsetting the Cost
A root canal is often necessary when tooth decay has weakened the structure of the tooth, and dead or dying tissue needs to be removed. It is considered a medically necessary procedure, and it is often covered by dental insurance as a result.
A root canal will cost significantly more out of pocket without dental insurance coverage.
The out-of-pocket cost of a root canal can range from $200 with good dental insurance to over $1,500 without insurance. The price is also impacted by which tooth is affected, where you live and have the procedure done, and how extensive the procedure needs to be.
Even if you don’t have dental insurance, there are ways to offset the cost. You can use a health savings account (HSA) or set up a dental payment plan.
Average Root Canal Costs
The average cost of a root canal in the United States is between $600 and $1,400 without insurance.
The cost is going to be based on which tooth needs the procedure and where it is located in your mouth. For example, front (anterior) teeth are typically the easiest to access; therefore, the root canal will be less than it would be for a bicuspid or molar. Molars are generally the most expensive teeth for root canal procedures.
Other factors influencing cost can include:
- Where you live. Geographical regions influence cost.
- Who does the procedure. A general dentist will typically cost less than an endodontist.
- Difficulty of the procedure. The more extensive the root canal, the higher the cost.
- Dental insurance coverage. Insurance can lower your out-of-pocket costs.
Reduce Costs With Insurance
Dental can cut the cost of your root canal in half, depending on your coverage. On average, dental insurance covers 30 to 50 percent of a root canal.
Comprehensive dental insurance often costs more in monthly premiums but will have lower deductibles and out-of-pocket costs for procedures like root canals. Basic dental insurance is often free or very low cost on a monthly basis, but the deductibles are higher, and it may only cover a small portion of your root canal procedure.
The average cost of a root canal when you have insurance coverage ranges from $200 to over $1,000. Again, specific pricing will depend on the tooth’s location, the difficulty of the procedure, and where it is performed.
Dental insurance will cost you more up front, but it can save you a lot of money down the road when you need procedures like this.
What to Expect
When getting a root canal, you need to be prepared for additional costs that might be billed as additional charges. A root canal will often require the following:
- Multiple x-rays
- Anesthesia during the procedure
- Medications both before and after the root canal.
- A crown on the tooth
Talk to your dental provider ahead of time to learn about all the potential costs that need to be considered for your root canal so you are not surprised later.
Offsetting the Cost
Aside from dental insurance, you can opt for a dental discount plan that can save you money on dental procedures, such as a root canal. These plans usually have an annual fee. They are membership programs that work with a network of dentists to offer discounted rates.
You will need to pay for your services when you get them, but the cost is generally lower than it would be without such a plan.
Dental offices often offer discounts if you pay the entire cost in one payment, up front, or in cash. Many also offer dental payment plans to help you spread out the cost over a longer period of time, making the payments more manageable. Often, you can use an HSA or special tax-exempt medical savings account to pay for the procedure as well.
Community dental centers and dental schools may offer root canals at lower prices. Many states have programs to help people afford dental care and necessary root canals when cost is a deterrent. Nonprofit organizations, such as Dental Lifeline, run programs to help people afford the dental care they need.
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What Is a Root Canal?- Pain, Procedure, & Cost. (2021). Crest- Proctor & Gamble. Date Fetched: June 20, 2021.
How Much Does a Root Canal Cost? (January 2021). The Balance. Date Fetched: June 20, 2021.
Affordable Alternatives to Dental Insurance You Never Knew About. (March 2021). Health. Date Fetched: June 20, 2021.
Dental Lifeline. Dental Lifeline Network.
Root Canal. (June 2021). U. S. National Library of Medicine (NLM). Date Fetched: June 20, 2021.