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Cavities are one of the most common oral health issues. In fact, nearly 90% of U.S. adults have had decay in their teeth at some point in their lives.1 Just because they're common, however, doesn't mean they're inexpensive to fix. Luckily, Aflac offers network dental insurance for individuals and families that can lower the out-of-pocket cost of your dental needs. Let's explore how dental fillings work and how much they may cost with and without insurance.
Table of Contents
Tooth fillings are a treatment for cavities or minor tooth damage. They can repair the small holes that develop from tooth decay by filling in the space, which helps restore your tooth’s shape and function.
Dental fillings help prevent decay from spreading, reducing your risk of needing a crown or root canal down the line. By acting fast, you may avoid more serious dental issues and the associated costs of fixing them in the future.
When you go in for a tooth filling, your dentist will:2
Dental fillings can be made from several types of materials, including:
The right option may depend on your tooth’s location, budget and dentist’s recommendation.
Dental charges for fillings can range from $100 to $1,150 per tooth, depending on the type of material you choose. Below are the average cost ranges for each filling type:2
| Filling type | Cost range |
|---|---|
| Amalgam | $108 - $256 |
| Composite | $173 - $439 |
| Gold | $361 - $817 |
| Porcelain | $755 - $1,774 |
Along with filling material, the following factors can impact the cost of dental fillings:
The cost of a tooth filling with dental insurance depends on your plan’s deductible and coinsurance, as well as your dentist and location. Even after factoring these costs into your filling procedure, you’ll typically pay less than you would without insurance.
For instance, let’s say your dental insurance plan covers 80% of basic services, and you need a composite cavity filling for $400. In this case, your plan would cover $320, leaving you responsible for the remaining $80.
Don’t wait until it’s too late. Protect yourself and your family with coverage from Aflac.
Get StartedDepending on your provider, dental fillings are could be considered medically necessary procedures, and may be covered under that plan. Aflac network dental insurance provides coverage that can help reduce your out-of-pocket costs as you maintain your oral health.
The lifespan of your dental fillings largely depends on the materials used and how well you care for them. Below is a breakdown of the average lifespan for the most commonly used materials:2
Practicing good oral hygiene and visiting your dentist regularly can help extend the life of your fillings. If a filling becomes loose, worn or painful, your dentist may need to repair or replace it.
Dental fillings can help prevent tooth decay from developing into a more serious issue. With Aflac dental insurance, you can find a plan that helps with many of your dental needs.
Ready to get a dental insurance plan? Explore Aflac network dental insurance plans and chat with an agent today to get a personalized quote.
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Dental insurance covers a variety of treatments and procedures. Learn about how dental insurance works and what a dental insurance plan typically covers.
A root canal procedure can be more costly if you don't have dental insurance. Discover what coverage dental insurance offers and if it covers root canals.
1 Forbes – Dental Facts And Statistics In 2025. Published June 3, 2024. https://www.forbes.com/health/dental/dental-facts-statistics/. Accessed April 23, 2026.
2 CareCredit - How Much Does a Dental Filling Cost? Publishedd January 10, 2025. https://www.carecredit.com/well-u/health-wellness/dental-tooth-fillings-cost-dental-fillings-financing/. Accessed April 23, 2026.
The plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Dental: In Delaware, Policies A82100R-A82400R. In Idaho, Policies A82100RID-A82400RID. In Oklahoma, Policies A82100ROK-A82400ROK. In Virginia, Policies A82100RVA-A82400RVA. Not available in New Mexico.
Coverage is underwritten by Tier One Insurance Company.
Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Dental, Vision, Hearing (DVH): Policy Series T80000 - In Arkansas, Policy T80000AR. In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK. In Oregon, Policy T80000OR. In Pennsylvania, Policy T80000PA-DEN ONLY; T8000PA-DVH. In Texas, Policy T80000TX and T80000TXR. Not available in New Jersey, New Mexico, New York, Puerto Rico, Virgina or Virgin Islands.
Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.
This is a brief product overview only. Coverage may not be available in all states, including but not limited to NJ, NM, NY, or VA. Optional riders may be available at an additional cost. Policies and riders have limitations and exclusions that may affect benefits payable. Refer to the exact policy and rider forms for benefit details, limitations, and exclusions. For costs, complete details of the coverage and for policies available in your state, please contact your local Aflac agent.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Aflac WWHQ | Tier One Insurance Company | 1932 Wynnton Road | Columbus, GA 31999
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