How Much Does Dental Insurance Cost for One Person?

There is no exact price for how much dental insurance will cost for one person. There are variables that affect the cost, such as where you live, the type of plan, and your healthcare needs.

The truth is that the insurance company may give you a monthly premium that is different from your neighbor’s. If you’re looking for insurance just your child, that can affect the cost of the plan as well.

Keep reading to learn how much dental insurance costs for one person.

How Much Does Dental Insurance Cost for One Person?

Employee and group policies that charge an annual premium can range between $234 and $432 per person. The cost to purchase an individual dental insurance policy averages $360 per year.

If these costs seem a bit high, think about the cost of dental procedures—both routine and major—without a dental insurance plan that covers standard services. The ADA (American Dental Association) offered national average costs for standard preventive services:

  • General dental exam: $44.10
  • Cleaning: $61.14 for children
  • Fluoride: $31.70 for children

Serious treatments and procedures can cost even more without help from insurance coverage. These out-of-pocket costs may surprise you:

  • Check-ups: $288 for exam, X-rays and teeth cleaning
  • Fillings: $50–$4,500
  • Extractions: $75–$600
  • Crowns: $328–$821
  • Root Canal: $120–$185

What Does Dental Insurance Cover?

Most people have 100-80-50 dental coverage, which means that the insurance policy pays 100% of routine preventive and diagnostic care (check-ups or cleanings), 80% for basic procedures (root canals or fillings), and 50% for major procedures (bridges and crowns).

Although many parents might not think it’s worth it to pay upfront costs like premiums or deductibles, having insurance for your child can definitely save you money when he or she needs a serious dental procedure. 

Find Affordable Payment Options at Kool Smiles

Kool Smiles opened its doors in 2002 with a single goal: provide quality dental care to children all over the country.

Whether your child is covered by insurance or not, we have affordable payment options for all of our procedures and accept most major insurance plans.

We also accept government plans like Medicaid, TRICARE, and SCHIP without limiting the number of patients we see with these insurance plans.

For more information about our services, or to schedule an appointment for your child at a location near you, contact us online or call us today.




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