Estimate the cost of dental procedures in your state, with and without insurance coverage.
Last updated: February 2026
How to Use This Tool
1
Select Category
Choose a dental procedure category such as preventive, restorative, or cosmetic.
2
Choose Procedure & State
Pick the specific procedure you need and select your state for localized pricing.
3
View Cost Breakdown
See estimated costs with and without insurance, plus a price range for your area.
Select a procedure above to see estimated costs.
Money Saving Tips
Practical ways to reduce your out-of-pocket dental costs
1Ask About Payment Plans
Many dental offices offer in-house payment plans that let you split your bill into monthly installments, often with little or no interest. Do not hesitate to ask your front desk before scheduling a procedure -- you may be surprised by the flexibility available.
2Get Multiple Quotes
Dental fees can vary widely between practices, even in the same city. Before committing to an expensive procedure, get written treatment plans and cost estimates from two or three different dentists. Comparing quotes can save you hundreds or even thousands of dollars.
3Consider Dental Schools
Dental school clinics offer treatments performed by supervised students at 40-60% less than private practices. The care is thorough (often more so, since instructors check every step) and uses the same materials. Search for accredited dental schools near you through the ADA website.
4Look Into Dental Discount Plans
If you do not have insurance, dental discount plans (also called dental savings plans) charge an annual membership fee and give you 10-60% off procedures at participating dentists. Plans typically cost $80-$200 per year and have no waiting periods, deductibles, or annual maximums -- a great alternative to traditional insurance.
5Maximize Insurance Benefits
Most dental plans have an annual maximum (commonly $1,000-$2,000). If you need multiple procedures, schedule them across two calendar years to use two maximums. Also, always use your free preventive cleanings -- catching problems early avoids costly treatments later.
6Ask About Cash-Pay Discounts
Many dentists offer a 5-15% discount when you pay the full amount in cash (or by check) at the time of service. This saves the practice credit-card processing fees and billing overhead, and they often pass those savings on to you. It never hurts to ask!
Payment Plans & Financing Options
Ways to make dental care more affordable
CareCredit
Healthcare credit card accepted at most dental offices. Offers promotional 0% APR financing for 6, 12, 18, or 24 months on qualifying purchases. Apply online and get an instant decision.
In-Office Payment Plans
Many practices offer their own interest-free installment plans. Typically you pay a portion upfront and the rest in monthly payments over 3-12 months. Ask your dental office about their specific terms and options.
Dental School Clinics
Accredited dental schools provide high-quality care at 40-60% less than private practices. Treatments are performed by dental students under close faculty supervision using the same professional-grade materials and equipment.
Dental Savings / Discount Plans
Not insurance, but membership plans ($80-$200/year) that give you 10-60% off at participating dentists. No waiting periods, no deductibles, no annual maximums. Ideal for individuals and families without employer-sponsored dental coverage.
Medical Disclaimer
This article is for informational purposes only and does not constitute medical advice. Always consult with a qualified dental professional for diagnosis and treatment. Do not delay seeking professional advice because of something you read on this website.