Root canal treatment is often necessary when the inside of a tooth becomes infected or severely damaged. While the procedure can save a tooth and prevent further complications, many patients worry about the cost and wonder whether dental insurance will help cover the treatment.
Understanding how dental insurance covers root canals can help you estimate your out-of-pocket expenses and compare different dental insurance plans before scheduling treatment.
Quick Answer
Dental insurance usually covers root canals because they are considered medically necessary restorative procedures. Most dental insurance plans classify root canals as basic or major procedures and may cover between 50% and 80% of the treatment cost after the deductible is met. Coverage can also depend on waiting periods and annual maximum limits.
When Dental Insurance Covers Root Canals
Dental insurance typically covers root canal treatment when it is required to treat infection or severe tooth decay. Dentists often recommend a root canal when the pulp inside the tooth becomes inflamed or infected.
Because the procedure helps preserve the natural tooth and prevents more serious dental problems, many insurance providers include it in their coverage for restorative treatments.
When Root Canal Coverage May Be Limited
Although root canals are commonly covered, some dental insurance plans may limit coverage depending on the policy details.
For example, certain plans may require a waiting period before major procedures become eligible for coverage. Others may apply annual maximum limits that restrict how much the insurance provider will pay in a single year.
You can learn more about these restrictions in our guide to dental insurance waiting periods.
Average Cost of a Root Canal
The cost of root canal treatment varies depending on the location of the tooth and the complexity of the procedure.
Typical price ranges may include:
- Front tooth root canal: $600 – $1,100
- Premolar root canal: $700 – $1,300
- Molar root canal: $900 – $1,500
If you want to understand how dental insurance affects treatment pricing, our dental insurance cost guides explain how deductibles and coverage limits work.
How Dental Insurance Covers Root Canal Treatment
Dental insurance plans usually divide treatments into three main categories:
- Preventive care
- Basic procedures
- Major procedures
Root canals may fall into the basic or major procedure category depending on the insurance provider and the complexity of the treatment.
To better understand how coverage differs between plans, see our guide to types of dental insurance plans.
How to Reduce the Cost of Root Canal Treatment
Even with dental insurance, root canal procedures can involve some out-of-pocket costs. However, there are several ways to reduce the total cost of treatment.
- Choose an in-network dentist
- Compare dental insurance plans before treatment
- Check your annual maximum coverage
- Ask your dentist about payment plans
If you’re evaluating coverage options, our guide to compare dental insurance plans can help you review different plans.
Frequently Asked Questions
Are root canals considered basic dental procedures?
Root canals may be classified as basic or major procedures depending on the insurance plan and the complexity of the treatment.
Does dental insurance cover root canal retreatment?
Some dental insurance plans may cover retreatment if the original root canal fails, but coverage may be subject to limitations and waiting periods.
Is a crown required after a root canal?
In many cases, dentists recommend placing a crown after a root canal to protect the tooth and restore its strength.
Explore Dental Insurance Guides
If you’re researching dental coverage options, exploring different dental insurance plans can help you understand what treatments may be covered and how plan structures differ.
