As we go through the activities of daily living, our bodies are subjected to wear-and-tear – the pearly-whites in our mouths are no exception. Even if we follow our dentists’ advice to a T, brushing our teeth twice a day, flossing, using mouth wash, etc., the truth is that, sometimes, a tooth has simply become too damaged to be repaired.
This is where dental crowns enter the picture.
What are dental crowns?
Well, they’re basically a “cap” for your tooth that covers up the damage and are visually indistinguishable from genuine teeth. Crowns are applied not only to improve the appearance of teeth – everyone wants a healthy smile – but also to restore function (i.e., make it possible to chew with that tooth again).
Dental crowns are often a good option if cavities are too large to fill, if a tooth is cracked or otherwise very fragile, or when a person has had a root canal.
In this post, we’ll go over some of the financial aspects of dental crowns in Richmond, Texas. Read on to learn how much they cost, whether or not they’re covered by insurance, and if there are any financing options. Finally, we’ll show you what to look for in a dentist when getting a dental crown.
How Much Do Dental Crowns Cost?
Right off the bat, we’ll tell you that dental crowns can be expensive. They will typically cost at least a few hundred dollars, even with insurance, and can be as expensive as $3,000. The average cost of a dental crown in Richmond, TX is $1,200.
Insurance is not the only deciding factor when it comes to determining cost – the other is material. There are different types of dental crowns made from different sorts of materials. For example, you have porcelain, zirconia, and metal crowns, among others.
Each type has its own pros and cons. For instance – in general, porcelain crowns are more expensive than metal crowns but look more natural and give a brighter smile than metal crowns. Metal crowns, however, may be stronger and longer-lasting, meaning you’ll get more of a return on investment.
Your dentist will ultimately help you decide which type of material is best for you based on the function and location of the tooth (i.e., whether it’s an incisor, premolar, molar, etc.). They will also take your preferences into account though, obviously, it’s a good idea to put some trust in their expertise.
All that being said, you should be prepared to spend at least $500 and potentially as much as $2,000 to $3,000 when investing in a dental crown, though insurance and financing options can help.
Does Dental Insurance Cover Crowns?
The short answer is that, in general, dental insurance will cover crowns.
The longer answer is that, as with all procedures, insurance will only cover the cost of a crown if it’s being installed for health reasons and not cosmetic purposes.
This means that, in order to get some reimbursement from your insurance provider, your dentist will have to verify that the crown is medically necessary, that you would incur health risks without its placement.
If you’re hoping to get a crown just to have a better smile, insurance will not help out.
If you are covered, you can expect about 50 % of the costs to be paid by your insurance provider.
Of course, you will have to look at your individual plan to know for sure how things will work.
It’s a good idea to call up your insurance company and speak with a representative. If you don’t already know the amount of your deductible, find that out, stress that the procedure is medically necessary, and find out which dentists are in-network and out of network (if they’re out of network, your final expenditure will be higher, potentially by a lot).
You should also consider what your annual limit is – this is the amount beyond which your insurer will not pay. So if you have an annual limit of, say, $1,500, you could potentially reach this with one crown and have to pay more out of pocket for other procedures that year.
Once you know about how much the crown will cost, what your deductible is, and how much insurance will cover, you’ll have a good idea of just how much you’ll have to pay out of pocket even with insurance.
Financing Options for Dental Crowns
If you don’t have good dental insurance (or even if you do), there are fortunately plenty of financing options for dental procedures including dental crowns. These may be offered by the dentist’s office itself, or through credit plans.
Before taking a credit plan, ask your dentist if he or she offers financing options that will allow you to stretch out the payment over a set period of time.
To get the best credit plan deals, you’ll want to have a good credit score, although there are also options for people with poor credit (though you do need to be quite careful here to avoid untrustworthy loans). Consider looking into Credit Care.
It’s important to do your research – don’t just jump to work with a financer. Make sure you understand the APR and interest rates of each individual offer.
Finally, keep in mind that you may be able to find a low-cost option at a dental school and still get high-quality results.
How to Choose a Dental Crown Specialist in Richmond, Texas
When looking to have a dental crown installed, you’ll want to work with someone who has a lot of experience.
This is because a dental crown application can be a delicate procedure, and expertise is required to determine just which material is right for your situation.
Read patient reviews, find out about the dentist’s credentials, etc., before choosing a dental crown specialist.
Keep in mind that, for most dentists, two appointments will be necessary – this is because the crown needs to be manufactured first, based on a mold of your tooth. Certain dentists have specialized equipment that can apply a dental crown in one visit, but they may be more likely to not take insurance.
It can take 1-3 weeks for the mold to be completed. In the meantime, a temporary dental crown will be applied.
If your dentist has recommended you get a crown, they’re not leading you wrong! In most cases, it’s best to have the procedure done as soon as possible to prevent further disintegration and decay of your tooth.
Overall, dental crowns are sometimes a necessary part of maintaining good oral health. If you have chipped, cracked, or teeth that are overly-decayed, getting a crown even without good dental insurance may be worth the cost – this is something you’ll have to decide. Of course, financing options can help you cover the costs, too.