You've just imagined (or maybe it's happened to you) you are eating your favorite candy bar and – oof! Your tooth hurts sharp. Or maybe you have a worn-down tooth or an old crack that’s been bugging you for a while. That’s where dental crowns help. 

But what exactly are these dental crowns, and how much will dental insurance cost you? No need to worry; this guide will break down all that you should know about dental crowns.

What is a dental crown?

A dental crown is a cap that is custom-made for the entire tooth including the surface that chews and all the way down to your gum line. The tooth crown is an important dental care tool, and a crown's cost is calculated per tooth basis.

What would make you need dental crowns? There are several reasons:

  • To protect a weak tooth from breaking.

  • Repair an already broken tooth

  • Fill metal structures inside severely decayed tooth.

  • Help to hold together parts of a cracked tooth

Types of dental crowns

Not every dental crown is made the same. Let's explore the different types you might encounter:

Porcelain crowns

Porcelain crowns are the supernaturals of natural teeth. Made to match the color of your existing teeth, you’ll barely notice them. They’re great for the front teeth if you want a more natural look. While porcelain fused to metal crowns are great, they are a little more fragile and more expensive than other types.

Metal crowns

Metal crowns are very strong and can go through a lot of chewing and biting. And they are less likely to chip or break and last the longest. The downside? These crowns may not be the best choice for front teeth but they're pretty noticeable. These crowns are usually made from materials like gold, platinum, or metal alloys, which make them strong and long-lasting.

Ceramic crowns

Ceramic crowns are a popular choice for both front and back teeth due to their natural appearance and good durability. They are entirely metal-free, making them an excellent option for individuals with metal allergies. While they are not as strong as metal crowns, they are more resistant to wear than porcelain crowns and offer a good balance of strength and aesthetics. Their natural tooth-like color makes them a great choice for visible teeth, providing a pleasing and seamless look.

Resin crowns

These are the budget equivalents. The least expensive crown would normally be a resin crown. They do break more easily, and they wear down quicker. However, they’re a good temporary solution but you might be requiring replacement sooner than other types.

How much do dental crowns cost with insurance?

The cost of dental crowns ranges based on your insurance plan. Here's a general breakdown of the cost of a dental crown with insurance:

Porcelain crowns with insurance

  • Typical out-of-pocket cost: $500 to $1,000

  • The total cost might even be 50% to 80% covered by insurance.

  • Factors affecting cost: Dentist's expertise, Complexity of the procedure, location.

Metal crowns with insurance

  • Typical out-of-pocket cost: $400 to $800

  • Porcelain crowns usually have similar insurance coverage.

  • Because of lower material costs the costs are also often less expensive.

Ceramic crowns with insurance

  • Typical out-of-pocket cost: $500 to $1,100

  • Your particular insurance plan determines coverage

  • Might be a little bit more expensive than metal crowns

Resin crowns with insurance

  • Typical out-of-pocket cost: $300 to $600

  • Often the most affordable option

  • Insurance might cover a larger percentage due to lower overall cost

How much do dental crowns cost without insurance?

Without insurance, dental crowns can be quite expensive. Now, let's take a look at how much is a crown without insurance:

Porcelain crowns without insurance

  • Full cost range: $800 to $3,000

  • Average cost: Around $1,500

  • Factors include dentist's location, complexity of the procedure

Metal crowns without insurance

  • Full cost range: $700 to $2,500

  • Average cost: Around $1,200

  • Less expensive due to material costs

Ceramic crowns without insurance

  • Full cost range: $800 to $3,500

  • Average cost: Around $1,700

  • Slightly more expensive due to material and crafting complexity

Resin crowns without insurance

  • Full cost range: $300 to $1,500

  • Average cost: Around $800

  • Most affordable option, but may require more frequent replacement

Dental crown replacement cost

Replacing a dental crown isn't cheap, but sometimes it's necessary:

  • Porcelain Crown Replacement: $800 to $3,000

  • Metal Crown Replacement: $700 to $2,500

  • Ceramic Crown Replacement: $800 to $3,500

  • Resin Crown Replacement: $300 to $1,500

Signs you need a dental crown replacement

When do you need to change your dental crown? Watch out for these warning signs:

  • Chips or cracks that are visible in the crown

  • Pain, or sensitivity, around this crowned tooth

  • You feel that the crown is loose or you can move the crown with your fingers.

  • Noticeable wear and tear

  • Swelling of gum around the crown

  • Your bite or how your teeth fit together changes.

Is replacing a dental crown worth it?

It doesn’t seem to be much benefit to replacing a dental crown, it is a very important investment in your oral health.

A broken or old crown will only lead to more dental problems if left alone. Replacing a compromised zirconia crown ensures you prevent potential infection. Moreover, it stops further tooth decay and avoids more severe dental treatment. 

A new crown provides the improved ability to chew and protects your tooth below it from more damage. Moreover, it fits the aesthetic appearance of your smile. 

The upfront cost may seem steep but it is much more worth it. Waiting to be in such a situation would cost far more. It can lead to complex dental procedures resulting from leaving an unstable crown. 

The bottom line is that if you maintain your crown, thereby keeping it healthy, never worry about it again. You should remain proactive with dental practice health to prevent more costly problems.

Conclusion

Dental crowns sound pricey, but you’re really investing in your oral health when you get them. They protect your teeth, stop deteriorating them more, and can save you money in the future. However, it’s always a good idea to check with your dentist to see which type of crown is best for you on a case by case basis.