Dentist Without Insurance | How Much Dentist Appointment Visit (2022)

Visiting the dentist every 6 months is generally known to be an important part of caring for your teeth, mouth, and gums. Your routine dental appointments should allow your dentist to identify and treat problems before they get too big. However, if you do not have dental insurance, it can be difficult to manage the costs while still maintaining good oral health.

Even if you do not have insurance right now, you still should make an appointment with a dentist if possible. There are ways to help lower the costs for preventative care, or to pay for your care over time instead of all at once. Also, some dental insurance plans, like those offered from Guardian Direct®, allow you to use your coverage* right away for preventative care. Although preventative care typically has no waiting period, there is typically a waiting period for more complex dental issues so it may be a good idea to enroll as soon as possible.

Dentist Without Insurance | How Much Dentist Appointment Visit (1)

To understand whether dental insurance is worth it or not, you should have a good understanding about how much dental treatment may typically cost without insurance.

How much is a dentist appointment without insurance near me?

Having dental insurance is an essential part to help maintain good oral health and saving money on dental work. Your routine dental visit will include an oral examination, a cleaning to get rid of tarter, X-rays, and oral cancer screening¹. Your dentist also will educate you on problem spots in your mouth so that you can target those areas and keep them clean.

If you do not have insurance, even preventative care and routine cleaning can really start to add up. A full cleaning, with exam, and X-rays depending on the dentist's office and local rates, may cost between $100 and $300 per visit, or an average cost of $200 to $600 per year if you go every 6 months². If you end up needed more work done, such as having a cavity filled, having a deep dental cleaning, or needing a root canal, the price can go up dramatically.

On average, and depending on many factors such as your state, Americans spend around $360 per year on dental insurance premiums³. This means that with dental insurance you could save money on preventative care alone. If other issues arise and you need to use your dental insurance for more complex procedures, then having coverage can help you save on dental care cost. For example, if you need a root canal done on a molar, and a crown put in, you could be looking at paying an average over $500⁴ for the root canal and over $800⁵ for a porcelain crown. If you have dental insurance, depending on your plan, a portion of the cost would be covered, without insurance the approximate cost could be $1,300 that you may have to pay for out- of-pocket.

(Video) How to get affordable dental care without insurance | ABC7

Clearly, the costs and benefits of having insurance will vary from person to person, the state where you live among other factors however, in many cases it is much less expensive to purchase insurance when compared with paying for dental procedures on your own. This is especially true if you are prone to dental issues or if you haven’t been to the dentist in a while. .

Dentist Without Insurance | How Much Dentist Appointment Visit (2)

Factors that determine how much a dentist visit is without insurance

There are a number of common factors that contribute to how much a dental visit may cost you without dental insurance. If you are looking for a dental provider, you might consider shopping around before making a final decision because pricing can vary based on these common factors.

One factor that typically determines how much a dental visit will cost is location. A dentist in a rural area will have different prices than a dentist in a city. Dental providers will charge what they need to stay in business in whatever area they are located, and this impact can be seen in the prices for their services. Even within the same city there can be different costs between providers because each provider has their own expenses and bills that vary from place to place.

Apart from location, there can be a difference in cost between different procedures. Some common procedures that can vary depending on severity, location, and materials used are:

  • Root canals – root canals can have a different cost depending on severity and location within the mouth. Root canals in the molars are more expensive than root canals on an incisor because molars have more roots⁶. Some root canals can be filled with a basic filling, while others will need a crown.

  • Crowns – depending on the material used and location crowns can cost in average between $500 and $3000⁷

  • Dentures – like crowns, denture price can vary depending on materials used. Basic to mid-range dentures can cost in average between $800 and $3,000 a set, while premium dentures can cost between $4,000 and $8,000 a set⁸

    (Video) How To Get Affordable Dental Care (without Dental Insurance)
  • Veneers – veneers vary in thickness, with thinner veneers costing more than thicker. Thicker porcelain veneers can cost in average between $500 and $1,100 per tooth and thinner Lumineer® veneers can cost between $700 and $1,300 per tooth⁹.

All the costs above are for patients without insurance. Typically, your insurance will cover a portion of these costs, up to your yearly maximum, in many cases the savings that you will receive from your insurance will far exceed the amount that you would save on your monthly premium for the year by not having insurance.

Does a dental visit cost more without insurance?

Dental insurance covers the majority, if not all, of your preventative care services including X-rays, examination, and dental cleaning. Without insurance you will be responsible for the full cost of all preventative care, which, in the end can cost you much more than the prices of your monthly premiums.

Another way that dental insurance can help save you money is through their network. Guardian Direct® has a network of over 100,000 dentals professionals who all charge rates that are negotiated through the carrier. These rates are typically lower than the rate that your dentist would charge a person without insurance.

Is there a dentist that accepts patients without insurance near me?

Finding a dentist that accepts patients without insurance can seem like a difficult thing to do, however, it is not as hard as you might think. Most dentists will take patients without insurance by accepting CareCredit® to help pay for services. In fact, there are over 225,000 health and wellness providers who accept CareCredit® as a means of payment¹⁰.

CareCredit® is like a credit card that allows patients to pay for health and wellness procedures over time. CareCredit® can be used for a variety of dental services including preventative, restorative, and cosmetic dentistry¹¹.

If you go to the dentist without your insurance card & Insights

Sometimes, in the hustle and bustle of everyday life, we forget things. If you find yourself in your dentist’s office before an appointment without your insurance card, don’t fret. Your dentist can look up all your member information by others means if you have a current dental insurance policy. There is no need to cancel your appointment or reschedule just because you do not have all your information handy.

(Video) What to do if you don’t have dental insurance?

Typically, buying dental insurance is a straightforward process and can typically be completed entirely online. If you are shopping for dental insurance, it is important to understand the ins-and-outs of each plan including coverage, network, and all associated costs. Guardian Direct® has resources available on our website that can help you do research so that you can make an informed decision for you and your family.

Lumineers® is a registered trademark of DenMat.


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  1. (2021), accessed August 2021

  2. accessed August 2021

    (Video) No Dental Insurance? No Problem!

  3.,falls%20between%20%241%2C000%20and%20%242%2C000. (2020), accessed August 2021

  4. accessed August 2021

  5. accessed August 2021

  6. accessed August 2021

  7. accessed August 2021

  8. accessed August 2021

  9. accessed 5/7/2021

  10. accessed October 2021

  11. accessed October 2021

Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.(exp.11/23)


How much is a dentist visit without insurance near me? ›

If you do not have insurance, even preventative care and routine cleaning can really start to add up. A full cleaning, with exam, and X-rays depending on the dentist's office and local rates, may cost between $100 and $300 per visit, or an average cost of $200 to $600 per year if you go every 6 months².

What should I say at my dentist appointment? ›

What do you say when you call to make a dentist appointment?
  1. Tell them if you're a new patient or a returning patient.
  2. Let them know the reason for your visit: are you in pain? ...
  3. Any preferences you have for your visit to make you feel more comfortable: male or female dentist, days and times you're available.
7 Jan 2020

How much is a dentist appointment? ›

Dental procedures cost list
Dental ServiceAverage Cost (depends on insurance plan)
Regular cleaningBetween $75 and $200
Oral examBetween $50 and $200
Dental crownBetween $500 and $3000
FillingBetween $50 and $450
8 more rows

How often should you go to the dentist for check up? ›

A reasonable goal is to visit the dentist at least once a year for an oral health checkup, although some evidence suggests that those at a low risk for disease may extend to 18-24 months.

Do all dentists charge the same? ›

There can be wide variations in prices for the same dental procedures from different providers. Individual dental practices set prices for their offices based on market prices and the costs of doing business. These costs include rent, salaries, insurance, supplies and more.

Why do dentists charge so much? ›

Dental practitioners also have to pay laboratories for the technical work they give them for things like dentures and crowns. This is the main reason why dental treatment is one of the costliest part of healthcare today. A basic teeth cleaning procedure typically ranges from Rs. 500 to Rs.

What should you not do before a dentist appointment? ›

It is recommended you do not have anything to eat or drink (except for water) at least 5 hours before your scheduled appointment. This will prevent food debris from lodging in your teeth, which can irritate you during a cleaning and give your dentist a little extra work to do.

How can I calm down at the dentist office? ›

When she's aware you're scared or anxious, she can discuss potential treatment options that may help.
  1. DISTRACT YOURSELF. One way to help yourself remain calm during a dental visit is to distract yourself. ...
6 May 2021

How much is a dental cleaning without insurance? ›

Without insurance, the cost of a routine dental cleaning could range from $75 to $200, with an average cost of around $125. This amount may vary based on where you live or the experience and training of the dental professional.

How much do fillings cost without insurance? ›

The Cost of Dental Fillings Without Insurance

The average cost of each type of filling, according to CostHelper, is: $50 to $150 for one to two metal (silver amalgam) fillings, and $120 to $300 for three or more. $90 to $250 for one to two tooth-colored resin fillings, and $150 to $450 for three or more.

How much does it cost to fill a cavity? ›

Composite fillings are made from a resin designed to match the color of tooth enamel. They aren't as noticeable as metal fillings, but they are less durable. Composite fillings may cost between $150 to $300 for 1–2 teeth or $200 to $550 for 3 or more teeth.

What does 0 mean at the dentist? ›

Code 0 – Healthy gums, no bleeding when probed, no calculus or gingival pockets under 3.5mm. Code 1 – Slight bleeding when probed, no calculus or gingival pockets under 3.5mm. Code 2 – Slight bleeding when probed, Calculus or Plaque present and gingival pockets under 3.5mm.

Are dental cleanings really necessary? ›

So, if you were wondering, “Are regular teeth cleanings necessary?” the answer is yes. It's important to visit the dentist or hygienist so that they can remove tartar between teeth which helps prevent a host of additional overall health problems.

What happens if you don't go to the dentist for 2 years? ›

The build-up of plaque and the formation of tartar will lead to tooth decay if not treated by a dentist. Tooth decay can lead to a mess of other dental health issues including bad breath and ultimately tooth loss.

Are dentists negotiable? ›

Do some haggling. If you don't have insurance or your policy won't pay for a particular procedure, ask for a discount. Start by looking at the "fair" prices in your area for your procedure at FAIR Health and Healthcare Bluebook. If your dentist charges more, negotiate.

Do dentists let you keep your teeth? ›

Can I give patients their teeth after they have been extracted? Yes, you may return extracted teeth to patients upon request.

Do dentists try to upsell? ›

Upselling is a great strategy for boosting your bottom line, but it is one that most dentists probably avoid. After all, dentistry is a medical field. Selling patients treatments that they do not need may seem unethical, but there are exceptions.

Why do some dentists make you pay upfront? ›

It requires a lot of skill on the doctor's part and there are extremely high fees for materials and lab work that the doctor has to pay for many months in advance to you having a finished product. That's why asking for payment upfront is not uncommon.

How do people afford a lot of dental work? ›

Managing Your Dental Care Expenses
  1. Find a dentist that offers a membership plan for uninsured patients. ...
  2. Familiarize yourself with what your dental insurance covers. ...
  3. Open a Health Savings Account (HSA). ...
  4. Take out a low-interest personal loan. ...
  5. Apply for a CareCredit credit line.
31 May 2022

How can I impress my dentist? ›

5 Tips to Impress Your Dentist at Your Next Checkup
  1. Drink Water. Staying hydrated is critical for the health of your body and mouth. ...
  2. Brush Your Teeth & Your Tongue. ...
  3. Floss Daily. ...
  4. Chew Sugar-Free Gum. ...
  5. Use a Nightguard to Combat Bruxism. ...
  6. A Healthy Mouth Contributes to a Healthy Body.

How do you know if a dentist is good? ›

What Are Some Of The Signs Of A Good Dentist?
  1. He/she cares about your comfort. ...
  2. He/she asks questions and listens to you. ...
  3. He/she is in good standing with the American Dental Association. ...
  4. He/she respects your resources and your time. ...
  5. He/she follows up. ...
  6. He/she respects staff members. ...
  7. Call us to learn more.

Why have I not gone to the dentist in 10 years? ›

If you haven't been to the dentist in over 10 years, it is likely that you will need to fill a cavity and/or take preventative action against gum disease.

Should I tell my dentist I have anxiety? ›

Tell your dentist about your anxiety. When you book your appointment, tell the receptionist you're nervous about dental visits. Remind the dentist and dental staff about your anxiety when you arrive. Share any bad experiences you may have had in the past, and ask for suggestions on coping strategies.

What is dentist anxiety? ›

Dental anxiety is fear, anxiety or stress associated with a dental setting. Being scared to visit the dentist can result in delaying or avoiding dental treatment. Things like needles, drills or the dental setting in general can trigger dental anxiety.

How do you not get embarrassed at the dentist? ›

Tips to Overcome Your Embarrassment of Going to the Dentist

Communicate your concerns. Explain to your dentist why you're embarrassed before your visit. Sharing your concerns with the dentist and dental staff will help them adapt their treatment to your needs and put you at ease while you're in the chair.

How do dentists face the fear? ›

6 more tricks for overcoming your dental anxiety
  1. Find the right dentist. The right dentist can make all the difference. ...
  2. Use relaxation techniques and medications. Ahead of your appointment, take some time to get in the right mindset. ...
  3. Bring a friend. ...
  4. Arrive early. ...
  5. Let your dentist know! ...
  6. Ask lots of questions.
13 May 2019

How much does it cost to fill 10 cavities? ›

Filling Materials and Prices

In general, they will run you about $50 to $150 per filling, or about $120 to $300 for three or more tooth surfaces.

How long does it take to fill 3 cavities? ›

The maximum time required for filling a moderate cavity doesn't exceed 40 minutes per tooth. Therefore if you have three intermediate holes, expect to spend about a couple of hours at the dentist's office to restore your tooth to full functionality with dental fillings.

How many fillings should you have in one visit? ›

How many cavities can a dentist fill at once? Most dentists will not perform more than 4 fillings in one sitting. Technically there is no limit to home many fillings can be given at a time. However, we do not recommend doing more than four at one time.

How long do fillings last? ›

In general: amalgam fillings last 5 to 25 years. composite fillings last 5 to 15 years. gold fillings last 15 to 20 years.

Can you fill a cavity at home? ›

So, can you fix cavities at home? Unfortunately, no. Only a dentist can repair a cavity, so you should make an appointment to see your dentist as soon as possible. However, you do have the power to halt the decay and prevent future damage.

How much does a crown cost? ›

The price of a crown depends primarily on the material used to make it, which may be porcelain, ceramic, metal, or combination of materials. Prices average between $1,000 and $1,500, while topping out around $2,500. Dental insurance should cover the cost if you're getting a crown due to medical necessity.

Which tooth is connected to the heart? ›

Heart – Upper and lower third molars (wisdom teeth) Bladder –Upper and lower incisors. Kidney – Upper and lower incisors.

What does 7 mean at the dentist? ›

5 mm - 7 mm with bleeding: Besides almost certain gum disease, bone loss and tissue damage are also possible. 7 mm+ with bleeding: Pockets deeper than 7 mm means advanced gum disease is certain. Surgical intervention may be appropriate to resolve the disease.

What do dentists mean when they say 2? ›

2 means there is some hardened dead plaque attached to your teeth, which some gentle cleaning and a little oral health education can help with. It's the 3 scores that present the difficulty. It is where we are in the balance between health and disease.

Why are dentists pushing deep cleaning? ›

You might need a deep cleaning if gum disease causes your gums to pull away from your teeth, creating a space greater than 5 millimeters (mm) deep. If gum disease worsens, the space between your gums and teeth can continue to widen. This can weaken the bones that support your teeth, causing loose teeth or tooth loss.

Why does my dentist want to see me every 3 months? ›

Reduce the Risk of Tooth Decay

The bacteria start to eat away at the tooth enamel, forming a hole. This hole/cavity will only get deeper the longer it goes without treatment. By going to the dentist every 3 months instead of the typical 6 month schedule, more plaque is removed from your teeth to prevent cavities.

What happens if you don't have teeth cleaning? ›

Left unchecked, tartar can cause tooth decay, cavities, erosion of gum tissue, gum disease and other problems. Gum disease, also known as periodontitis, involves swelling and bleeding in your mouth and can lead to early tooth loss.

Is lack of dental care abuse? ›

Maltreatment includes physical and sexual abuse and can include evidence of bite marks and dental neglect. Bullying and the human trafficking of children also occur and can have serious long-term effects.

How long is too long to not go to the dentist? ›

Usually, the recommended maximum amount of time between dental appointments is six months. However, your dentist in Fairfax may recommend that certain people visit more often, including those who are at higher risk of developing dental problems such as: Pregnant women. Smokers.

At what age do you stop seeing a dentist? ›

Some see patients until they are teenagers, others until they are 18, and others into early adulthood. If you are thinking of transitioning your child to a certain general dentist, whether it is the one you yourself see or another dental office, it is important to ask what ages of patients they will accept.

Do I have to pay for the dentist Scotland? ›

Treatment costs are set by the Scottish government. They're the same for all NHS dentists in Scotland. You pay 80% of the cost. The amount you pay is capped at £384 per course of treatment.

How much money is needed to clean the teeth? ›

Cost of Dental cleaning in India can be approximated to range around INR 500 to INR 20,000. It is usually a good practice to undergo dental cleaning twice annually. However, those suffering from periodontal disorders need to undergo 3 to 4 dental sittings each year.

Do teeth need to be professionally cleaned? ›

Everyone needs to have their teeth professionally cleaned on a regular basis. This dental cleaning is necessary in order to remove any plaque or tartar buildup occurring on the teeth, which can lead to your experiencing a wide variety of dental problems.

How much does it cost to get 10 cavities filled? ›

In general, they will run you about $50 to $150 per filling, or about $120 to $300 for three or more tooth surfaces.

At what age do you get free dental treatment? ›

You're entitled to free NHS dental treatment if at the start of the treatment you're: under 18. under 19 and in full-time education. pregnant or have had a baby in the previous 12 months.

At what age does free dental treatment stop? ›

You're entitled if you are: aged under 18, or under 19 and in qualifying full-time education. pregnant or have had a baby in the previous 12 months. staying in an NHS hospital and your treatment is carried out by the hospital dentist.

Do you get free dental treatment at 60? ›

If you're aged 60 and over, you get free: NHS prescriptions. NHS sight tests. NHS dental check-ups in Scotland or Wales.

Can a rotten tooth be fixed? ›

When decay reaches the inner material of your tooth (pulp), you may need a root canal. This is a treatment to repair and save a badly damaged or infected tooth instead of removing it. The diseased tooth pulp is removed. Medication is sometimes put into the root canal to clear any infection.

How long does it take to fill a cavity? ›

In general, a filling takes an hour or less. A simple filling may take as few as 20 minutes. Many dental offices now have the technology to make onlays and inlays in one appointment, though a larger filling or multiple fillings can take longer.


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