How Much Are Cavity Fillings? Get the Real Cost Breakdown

How much are cavity fillings? A cavity filling is a dental procedure that restores the function and integrity of a tooth damaged by decay. When bacteria eat away at your enamel, they create holes—cavities—that need to be treated before they worsen. A dentist removes the decay and fills the space with material that seals the tooth and prevents further damage.

Fillings stop the spread of decay, reduce pain, and restore your ability to chew properly. Without treatment, cavities can lead to severe tooth pain, infection, and even tooth loss.

Why Cavity Fillings Matter for Your Health

Cavity fillings are not just about cosmetics or comfort. They’re essential to your oral and overall health. An untreated cavity can affect your immune system, cause abscesses, or even spread infection to other parts of your body.

In 2025, more Americans are turning to preventive dental care as evidence grows linking oral health to heart disease, diabetes, and other conditions. Filling cavities early is part of that proactive approach.

Types of Cavity Fillings in 2025

Different materials are used for dental fillings, each with pros, cons, and cost variations.

Amalgam Fillings (Silver)

• Durability: Lasts up to 15 years

• Cost: $100–$300 per tooth

• Pros: Strong and affordable

• Cons: Noticeable metallic appearance

Composite Fillings (Tooth-Colored)

• Durability: Lasts 5–10 years

• Cost: $150–$450 per tooth

• Pros: Blends with natural teeth

• Cons: More expensive than amalgam

Gold Fillings

• Durability: Lasts 15–30 years

• Cost: $600–$2,500 per tooth

• Pros: Highly durable and long-lasting

• Cons: Very expensive and noticeable

Ceramic Fillings

• Durability: Lasts more than 15 years

• Cost: $800–$3,000 per tooth

• Pros: Tooth-colored and stain-resistant

• Cons: Expensive

Glass Ionomer Fillings

• Durability: Lasts about 5 years

• Cost: $100–$400 per tooth

• Pros: Releases fluoride, great for kids

• Cons: Not as strong as other types

The Step-by-Step Cavity Filling Procedure

Here’s what you can expect when getting a cavity filled in 2025:

1. Examination and X-rays

2. Numbing the area with local anesthetic

3. Removing decayed tooth material

4. Cleaning the cavity

5. Filling the space

6. Polishing and bite check

The process typically takes 30–60 minutes and is relatively painless thanks to modern anesthesia.

2025 Cost Breakdown: How Much Are Cavity Fillings?

Average Cost Without Insurance

In 2025, the cost of a cavity filling without insurance ranges between $100 and $3,000 depending on the material, tooth location, and complexity.

Cost By Type of Filling

• Amalgam: $100–$300

• Composite: $150–$450

• Gold: $600–$2,500

• Ceramic: $800–$3,000

• Glass Ionomer: $100–$400

Cost By Location (Urban vs Rural)

• Urban areas: Higher due to clinic overhead and demand

• Rural areas: Often more affordable with fewer specialists

How Dental Insurance Affects the Cost

Most dental insurance plans in 2025 cover 50% to 80% of the cost of cavity fillings. Here’s how it breaks down:

• Basic plans: Cover amalgam and composite fillings

• Premium plans: May cover ceramic or gold options

• Annual maximums: Range from $1,000–$2,000

Check if your provider is in-network to reduce out-of-pocket costs.

Is It Cheaper to Pull a Tooth or Fill a Cavity?

Pulling a tooth can cost as little as $75–$300, which may sound cheaper than filling it. However, long-term consequences include:

• Misalignment of nearby teeth

• Need for bridges or implants ($3,000+)

• Bone loss and jaw weakening

Filling a cavity preserves natural teeth, which is almost always the better investment.

Comparing the Long-Term Value: Fillings vs Extractions

While tooth extraction may seem like a budget-friendly fix, the real cost appears later. Here’s why fillings win:

• Less invasive

• Maintains natural function

• Prevents the need for replacement treatments

• Saves thousands over time

Are Cavity Fillings Worth It?

Absolutely. Cavity fillings restore your tooth and protect your overall health. In 2025, advancements in materials and techniques make them more effective than ever.

Benefits include:

• Stopping decay before it spreads

• Avoiding costly root canals or crowns

• Preventing infections and tooth loss

How to Save Money on Cavity Fillings in 2025

If you’re uninsured or underinsured, consider these tips:

• Visit dental schools offering discounted services

• Look for community dental clinics

• Ask about payment plans

• Use dental discount plans (up to 60% off)

• Compare quotes from local providers

The Risks of Ignoring a Cavity

Skipping a filling can lead to:

• Severe toothache

• Tooth abscess

• Spread of infection to the bloodstream

• Root canals or tooth extraction

• Higher costs down the road

How to Tell If You Need a Cavity Filling

Watch for these symptoms:

• Tooth sensitivity

• Pain when chewing

• Visible holes or dark spots

• Bad breath

• Swelling or gum tenderness

If you notice these, schedule a dental check-up immediately.

Preventing Cavities Before They Start

Prevention remains the best solution. Follow these practices:

• Brush twice daily with fluoride toothpaste

• Floss daily

• Avoid sugary foods and drinks

• Visit the dentist every 6 months

• Use dental sealants for added protection

Do Most Insurances Cover Cavity Fillings?

Yes, most insurance policies cover basic restorative procedures, including fillings. Still, you must check your plan:

• In-network coverage: Lower costs

• Annual limits: Be mindful of yearly caps

• Exclusions: Some plans don’t cover composite or gold fillings

Where to Get Affordable Dental Fillings

Here are some reputable resources:

• American Dental Association – Find a Dentist

• State-funded health programs

• Federally Qualified Health Centers (FQHCs)

• Local dental hygiene schools

Call the official Medicare helpline at 1-800-MEDICARE (1-800-633-4227) to ask your questions or get more information.

FAQs

How much does it cost to get a cavity filled?

The cost ranges from $100 to $3,000 depending on the material, tooth location, and your insurance coverage.

Are cavity fillings worth it?

Yes, they prevent decay from spreading and save your natural teeth, avoiding costlier procedures later.

Is it cheaper to pull a tooth or fill a cavity?

Pulling a tooth may be cheaper short-term, but fillings are more cost-effective long-term because they avoid expensive replacements.

Do most insurances cover cavity fillings?

Yes, most dental plans cover 50% to 80% of filling costs, especially for basic materials like amalgam and composite.

How long do cavity fillings last?

Depending on the material, they can last 5 to 30 years. Gold and ceramic options last the longest.

Are white fillings better than silver?

White (composite) fillings look more natural but may wear out sooner than silver (amalgam) fillings. The best choice depends on the location of the filling and your budget.

Final Thoughts

In 2025, understanding how much cavity fillings cost—and how to choose the best type for your needs—can save you money and pain. Whether you’re covered by insurance or paying out-of-pocket, treating cavities early is one of the smartest health decisions you can make. Remember, preserving your natural teeth is almost always the most cost-effective and healthy choice.

Explore your options, talk to your dentist, and prioritize prevention. The right filling today can prevent major dental expenses tomorrow.

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