Will Dental Insurance Cover Crown Replacement?

Are you facing the need for a crown replacement but unsure if your dental insurance will cover the cost? This is a common concern among individuals who require dental procedures. Understanding what your dental insurance covers can be the key…

Are you facing the need for a crown replacement but unsure if your dental insurance will cover the cost? This is a common concern among individuals who require dental procedures. Understanding what your dental insurance covers can be the key to making informed decisions about your oral health. In this article, we’ll explore whether or not dental insurance covers crown replacement and what you can do to maximize your coverage.

Will Dental Insurance Cover Crown Replacement?

Will Dental Insurance Cover Crown Replacement?

If you have a dental crown that needs to be replaced, you may be wondering if your dental insurance will cover the cost. The answer is that it depends on the type of insurance you have and the reason for the replacement. Here is some information to help you understand whether or not your dental insurance will cover crown replacement.

Reasons for Crown Replacement

There are many reasons why a dental crown may need to be replaced. Here are a few of the most common reasons:

Tooth Decay

One of the most common reasons for crown replacement is tooth decay. If the tooth underneath the crown has decayed, the crown may need to be removed so that the decay can be treated. Once the decay is treated, a new crown can be placed on top of the tooth.

Cracked or Broken Crown

Another reason for crown replacement is if the crown has become cracked or broken. This can happen due to wear and tear over time or as a result of a trauma to the mouth. If the crown is cracked or broken, it will need to be removed and replaced with a new one.

Improper Fit

Sometimes a crown may not fit properly, which can cause discomfort or even pain. If this is the case, the crown will need to be removed and replaced with a new one that fits properly.

Types of Dental Insurance

There are two main types of dental insurance: HMO and PPO. Here is how crown replacement is typically covered under each type of plan:

HMO

If you have an HMO dental plan, you will typically be required to see a dentist who is within the plan’s network. The plan may cover a certain percentage of the cost of crown replacement, but you will likely need to pay a copayment or coinsurance.

PPO

If you have a PPO dental plan, you will typically have more flexibility in choosing a dentist. The plan may cover a certain percentage of the cost of crown replacement, but you will likely need to pay a deductible and coinsurance.

Benefits of Dental Insurance for Crown Replacement

If your dental insurance does cover crown replacement, there are several benefits to having the procedure done:

Financial Assistance

Having dental insurance can help offset the cost of crown replacement, which can be quite expensive. This can make the procedure more affordable and accessible to those who need it.

Peace of Mind

Knowing that you have dental insurance to cover crown replacement can give you peace of mind. You won’t have to worry about the financial burden of the procedure and can focus on getting the treatment you need.

Crown Replacement vs. Other Procedures

If your dental insurance doesn’t cover crown replacement, there are other procedures that may be covered instead. Here are a few examples:

Fillings

If the tooth underneath the crown has only minor decay, a filling may be a more affordable and appropriate solution.

Bridge

If the crown is being replaced due to a missing tooth, a bridge may be another option. A bridge is a prosthetic device that is anchored to the teeth on either side of the gap.

Implant

If the tooth is missing and there are no healthy teeth to anchor a bridge, an implant may be the best solution. An implant is a prosthetic tooth that is anchored to the jawbone.

Conclusion

In conclusion, whether or not your dental insurance will cover crown replacement depends on the type of plan you have and the reason for the replacement. If your plan does cover the procedure, there are several benefits to having it done. If your plan doesn’t cover crown replacement, there are other procedures that may be covered instead. Consult with your dentist and insurance provider to determine the best course of action for your individual situation.

Frequently Asked Questions

What is a dental crown?

A dental crown is a tooth-shaped cap that is placed over a tooth to restore its shape, size, strength, and improve its appearance. It is commonly used to protect a weak tooth, restore a broken tooth, cover a dental implant, or hold a dental bridge in place.

When is a crown replacement necessary?

Crown replacements are necessary when the crown becomes worn, broken, or loose. It is important to replace a crown as soon as possible to prevent further damage to the tooth and to ensure proper dental hygiene.

Does dental insurance cover crown replacement?

Most dental insurance plans cover a portion of the cost of crown replacement. However, the amount of coverage may vary depending on the plan and the reason for the replacement. It is recommended to check with your dental insurance provider to determine the specific coverage for your plan.

What is the cost of crown replacement without insurance?

The cost of crown replacement without insurance can vary depending on the location, dental practice, and the type of crown used. On average, the cost can range from $800 to $3,000 per crown. It is recommended to consult with your dentist to determine the specific cost for your crown replacement.

How long does a crown replacement procedure take?

The crown replacement procedure typically takes two dental appointments. During the first appointment, the dentist will remove the old crown, prepare the tooth for the new crown, and take impressions of the tooth. A temporary crown will be placed while the permanent crown is being made. During the second appointment, the permanent crown will be placed and adjusted for proper fit and bite. The entire process usually takes 2-3 weeks.

Does Insurance Cover Dental Crowns


In conclusion, the answer to whether dental insurance will cover crown replacement depends on the type of insurance plan you have. Some plans cover the cost of crown replacement entirely, while others only cover a portion of the cost. It is important to carefully review your insurance policy and speak with your dental provider to understand what is covered and what is not.

However, if your insurance plan does not cover the cost of crown replacement or only covers a portion, it is important to explore other options. Many dental providers offer financing plans or payment options that can help make the cost of crown replacement more manageable.

Overall, it is crucial to prioritize your dental health and seek necessary treatments, such as crown replacement, even if it requires some financial investment. Taking care of your teeth and ensuring they are in good health can have long-term benefits for your overall wellbeing.

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