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Man brushing his teeth with a cracked tooth wondering how he will cover his emergency dental costs

Cracked Tooth? How to Cover Emergency Dental Costs

Dental treatments can be costly, especially if it involves repairing or replacing a broken tooth. Dental insurance only covers a portion of the costs and frequently restricts your options for dentists. But what if it's a dental emergency, where the pain or infection needs immediate treatment?

If you need urgent dental care but are unsure how to pay the bills, this article can help you anticipate the costs, understand what you can expect from your insurance provider, and learn how to get a loan to cover the rest.

Cost of dental treatment for broken teeth

The treatment cost depends on the damage and how many teeth were affected.

If it can be fixed with a dental filling, you can spend about $200 to $450, depending on the filling you pick.

For chipped or broken front teeth, dentists will recommend veneers. These wafer-thin shells are customized according to your tooth shape and color, then bonded to the surface to hide any imperfections. These can cost from $400 to as high as $2,500 per tooth. If you need to get veneers for all four front teeth, the bill can reach almost $5,000.

Damage to the molars can be trickier to treat since you will need x-rays to determine whether rot has weakened the tooth structure and will impact chewing and eating. Unfortunately, just those tests and the doctor's fees will cost about $500.

If the tests reveal that the crack has weakened the tooth, you will need a dental crown or cap. The cheapest dental crowns cost $500 to $1,500. More high-quality crowns made of metal alloys or porcelain can cost as much as $2,000 to $3,000.

If the tooth has been knocked out or cannot be saved, the last recourse is to get dental implants (about $1,000 to $3,000). The cost can increase if you need extractions or bone grafts to make room for the implant.

Why dental insurance can't cover all the costs

Even with dental insurance, patients usually spend hundreds or thousands of dollars on dental treatments. There are many possible reasons.

Insurance caps

Every dental insurance plan has an annual maximum, or the highest amount that you can reimburse within the year. Most dental plans set this below $1,500. So, if you need a dental implant for about $3,000, you will still shoulder half of the treatment costs.  

In addition to limiting the total amount of insurance payouts, many plans have a maximum number of visits per year. So, if your broken tooth requires follow-up appointments or several procedures scheduled within the year, your insurance may not cover it.

Outside of coverage

Some dental plans will only cover preventive treatments like cleanings and annual check-ups. Others may pay for tests and emergency treatment if the damage has an immediate impact on their health.

Dental plans will not pay for cosmetic work such as veneers since the crack or break doesn't affect the tooth’s function. However, cosmetic treatment isn't necessarily unimportant or frivolous, and insurance providers don't recognize that.

Broken teeth affect your confidence and may even affect your work. For example, some jobs will require you to interact with customers or have an image that represents the company well—and if you can't smile, you can't do your work well.

Specific coverage structure

Some dental plans offer 100-80-50 percent coverage. That means they will cover 100% of any preventive treatments like cleanings, 80% of basic procedures like cavity fillings, and 50% of major procedures like dental crowns or root canals. This type of plan will also exclude specific treatments like veneers or sealants.  

Age of policy

Some insurance plans will only cover significant procedures after the first year of coverage. So, if you're a new policyholder, you will have to pay for all costs beyond tooth cleaning or fillings.

Provisions for emergency care

Some insurance policies will have different payment schemes for urgent or after-hours care. Check the plan to see if you have to pay a deductible or bear a larger percentage of the total costs.

It is also essential to verify if your emergency care facility needs to be accredited by the provider or if they will waive this restriction if the situation requires immediate attention—for example, if the tooth was knocked out because of an accident or sports injury, or if you were in extreme pain or experiencing a fever because of an infection.

Network of providers

Your dentist may not accept your specific insurance provider, so you must look for a dentist or ask your provider for a list of their accredited clinics.

The problem is that their dentists may put you on a waitlist. In addition, depending on the severity of the broken tooth, you may not be able to delay dental care.

How to handle the cost of dental treatments

Before getting any procedure done, calculate your out-of-pocket costs. Then, read your insurance policy to find out whether it is covered, and call your provider to confirm.

Then, ask your dentist to make a pre-treatment estimate. This should have a list of the fees (including tests and follow-up checkups) and what you will pay after deductibles, co-insurance, and the annual maximum.

From there, you will know how much money you need to raise for the treatment. Then, you can apply for a personal loan if it's beyond your budget.

A personal loan can assist you in covering dental costs so that you do not lose your entire salary due to your treatment. And since payments are spread out over several months, you can afford even more expensive treatments if needed.

Simple, fast loans for emergency dental care

A broken tooth often needs immediate treatment, especially if it is painful or prone to infection. However, processing most bank loans will take several days (or even weeks). If you don't have a high credit score, you'll also be asked to gather financial documents before knowing whether you qualify.

SimpleFastLoans provides an easier and faster way to get cash for emergency dental care. Depending on your income and financial history, you can borrow up to $3,000. And unlike traditional banks, you don't have to have a perfect credit score to apply.

Here are the benefits of working with SimpleFastLoans:

  • 100% online transaction. You don't have to go to the branch to talk to a loan representative, submit documents, or collect the cash. You can do everything from the comfort of your home—which is extra convenient when you're in pain or feeling self-conscious because of a broken tooth.
  • Simple and safe verification. You have to answer the questions on the online form. It takes just minutes to complete. In addition, the site is secure; all answers are confidential and only used to process your application.
  • No collateral. You do not have to present collateral to apply for a loan.
  • Quick loan decisions. You don't have to wait long to determine if your loan is approved. Just minutes after you send the application, you get a loan decision.
  • Fast payouts. Once your loan is approved, the funds are transferred to your account either the same day or the next business day.
  • Convenient payments. When your loan is approved, you are given a customer account profile where you can make and monitor all your loan payments. You can check your profile at any time and know immediately when a payment is due and your current balance.
  • Easy interface. The online application form is intuitive and easy, even if you're not computer-savvy. It has drop-down menus and easy instructions, and if you're lost, you can easily reach out to the customer representative team and get instant assistance.

Types of loans for dental treatment

SimpleFastLoans offers installment loans and personal loans. The application process is the same, but installment loans have flexible payment schemes. For example, instead of paying back the loan in one lump sum, you spread out the payment over several months.

Personal loans are ideal for smaller fees or situations when you expect funds to come in at a specific time. For example, the insurance provider needs a few weeks to process reimbursement, or your paycheck will come in after a few weeks, and you need a loan to "fill the gap."

Installment loans are ideal for larger payments that cost $1,000 or more. However, with its flexible plans, you can break it down into more affordable monthly payments that won't break your budget. Since the payments have a fixed amount and due date, you can also plan your finances ahead.

Don't let a broken tooth break your budget

With SimpleFastLoans, you can get an emergency loan ASAP to cover your necessary dental treatment, and you only need to spend a few minutes at your computer.

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