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Does insurance cover treatment for a cracked tooth?

Yes, no and maybe.

It depends on the treatment necessary for the problem. There are times when root canal treatment and a crown may be necessary. Usually insurance plans cover fillings and root canal treatment at the benefit level they allow for basic services. Crowns, if covered, may be considered under basic or major categories. There may be a deductible and copay with the amount determined by the insurance contract. Also, some plans may only cover diagnostic and preventive services. In addition, there is often an additional copay for a tooth colored composite restoration in the posterior areas due to plan limitations. Annual maximums, frequency limitations and other restrictions may also affect coverage.

As with many dental services when you have a dental plan, it is often best to predetermine treatment for an estimate of your out-of-pocket costs.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.