Dental Crown Financing Options: Affordable Restorative Dentistry

Dental crowns are a common restorative dental treatment used to repair and protect damaged or decayed teeth. While the cost of dental crowns can be a concern for many individuals, there are various payment options available to ensure you can receive the necessary dental care without financial strain.

Average cost of dental crowns

The cost of dental crowns can vary based on several factors, including the type of material used for the crown and the experience of the dentist. Here are the average costs for some of the most popular dental crowns:

  • Porcelain-fused-to-metal (PFM) crowns: These crowns have a metal base with a layer of porcelain fused to the outside. The cost is typically in the range of $800 to $1,500 per tooth.
  • All-ceramic or all-porcelain crowns: These crowns do not contain any metal and are known for their natural appearance. The cost can be higher than PFM crowns and may range from $800 to $2,500 per tooth.
  • Zirconia crowns: Zirconia crowns are a type of all-ceramic crown known for their durability and strength. They can cost between $1,000 to $2,500 per tooth.

To get an accurate quote, setup a consultation with a qualified dentist who provide you with a cost estimate based on your specific case.

Dental crowns financing options

The following are some financing options to help make your treatment more affordable.

  1. Dental Insurance: If you have dental insurance, it is important to review your policy to determine if dental crown treatment is covered. Dental insurance plans often provide coverage for restorative procedures like dental crowns, although coverage limits, waiting periods, and pre-authorization may apply.
  2. Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs): FSAs and HSAs are tax-advantaged accounts that allow you to set aside pre-tax dollars for eligible medical and dental expenses, including dental crowns. Contributions to these accounts are deducted from your paycheck before taxes, reducing your taxable income. Utilizing FSAs or HSAs can help make dental crown treatment more affordable by using tax savings to offset the cost.
  3. Payment Plans: Many dental practices offer payment plans or financing options to help patients manage the cost of dental treatments. With a payment plan, you can spread out the cost of dental crown treatment into manageable monthly payments. Speak with your dentist or the practice’s financial coordinator to inquire about available payment plans and discuss the terms and conditions that best suit your budget.
  4. Dental Financing: Dental financing companies specialize in providing loans specifically for dental treatments. These companies offer flexible financing options with competitive interest rates and extended repayment terms. Dental financing can help you cover the upfront cost of dental crown treatment while allowing you to make affordable monthly payments over time. Research dental financing options and compare interest rates and repayment terms to find the best fit for your needs.
  5. Negotiation and Discounts: Discussing the cost of dental crown treatment with your dentist or dental practice may lead to potential negotiation or discounts. In some cases, dental practices offer discounts for paying in full upfront or provide promotional offers for new patients. It’s worth inquiring about any available discounts or flexible arrangements to help make dental crown treatment more affordable.
  6. Personal Savings: Using personal savings to cover the cost of dental crown treatment is another payment option. If you have savings set aside for healthcare expenses, this can be a convenient way to pay for the treatment without incurring interest or loan repayments. However, consider the impact on your overall financial situation and ensure that you have sufficient savings for other potential needs.
  7. Healthcare Credit Cards: Healthcare credit cards can be used for a variety of medical and dental expenses. They typically offer special financing options, including interest-free promotional periods and low-interest extended payment plans. This allows you to cover the full cost of treatment upfront and make convenient monthly payments based on the agreed terms.
  8. Dental Schools and Charitable Organizations: Dental schools and charitable organizations may offer reduced-cost or discounted dental crown treatment. These options are typically available for individuals who meet specific income criteria or demonstrate financial need. Contact local dental schools or charitable dental organizations in your area to inquire about their programs and eligibility requirements.

Dental crown treatment is an investment in your oral health and overall well-being. Speak with your dentist and financial advisor about which financing option that is right for you.

Content written by Emily Wagner, MS |Reviewed by Greg Grillo, DDS | Last updated 6/5/2023

Article Sources


• Martin, Allison. Types of personal loans and their uses. Bankrate, (June 6, 2023). Available from https://www.bankrate.com/loans/personal-loans/types-of-personal-loans/
• MyCreditUnion.gov. Consumer Loans. Available from https://mycreditunion.gov/life-events/consumer-loans
• Consumer Financial Protection Bureau (CFPB). Prepaid cards and other prepaid accounts. Available from https://www.consumerfinance.gov/consumer-tools/prepaid-cards/
• Lake, Rebecca. What is a Personal Loan? (April, 26, 2023). Available from https://www.investopedia.com/personal-loan-5076027
• National Institutes of Health. The difference between a Flexible Spending Account (FSA) and a Health Savings Account. Available from https://hr.nih.gov/about/news/benefits/difference-between-flexible-spending-account-fsa-and-health-savings-account-hsa