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Root Canals and Dental Insurance: The Costs Associated With Treatment

By Clifford J. Ruddle, DDS, in collaboration with Philip M. Smith, DDS

What Is the Cost of Root Canal Treatment?

There are many factors that affect the cost of root canal treatment and whether or not dental insurance will cover the treatment. Each patient and tooth presents a different set of circumstances.

Generally, the cost of a root canal procedure is directly related to the chair time necessary to perform the treatment, as well as to the costs of the staff, training and technology that the root canal dentist has available when performing the procedure.

There are many factors that influence the amount of chair time necessary to treat any particular tooth:

  • The position of the tooth in the mouth.
  • The number of roots and the number of canals within these roots.
  • Root curvatures and the length of the roots.
  • The presence or absence of calcifications within the root canal space.
  • Special dental considerations. For example, it may be more difficult for the endodontist to work through an existing crown or a bridge than to work on a tooth with only a small previous filling.

    Also, some teeth may have been severely broken down by past dental disease and these may have to be "built-up" before the root canal procedure can be started so that an aseptic field can be established and maintained during treatment.

In addition to the chair time involved for treatment, other factors are also taken into consideration when determining a fee for root canal treatment:

  • The cost of technology. Dentists who use state-of-the-art technology for certain procedures have invested in microscopes, computer digital radiography, ultrasonics and specialized training courses for themselves and for their staff. The costs of these items are shared by those patients who benefit from them.
     
  • The costs of the dental office overhead include staff, rent and supplies in addition to many other expenses. These costs vary significantly in different areas of the country.
     
  • Fees vary among practitioners due to differences in their endodontics treatment philosophies, which in turn dictate the chair time required, the materials selected and the technologies utilized.

In conclusion, there can be marked discrepancies in the fees charged for root canal treatment by different dentists.

Ultimately, the best value for care is treatment that is done once and works over a period of many years.

Conversely, the most expensive dental treatment is the treatment that may cost less initially but does not work predictably and needs to be redone one or more times. The wise dental consumer does not make a treatment decision on the basis of cost alone.

Will Dental Insurance Cover the Cost of Root Canal Treatment?

Dental insurance will usually help with a portion of the endodontics treatment fee. A variety of dental insurance plans are available.

A specific dental insurance benefit package is selected contractually by each employer for the benefit of the employees. Some dental insurance benefit packages may restrict or not recognize certain procedures, while in other instances the yearly maximums are unrealistic for anything other than the most basic care.

The dentist will make a professional judgment and treatment recommendation based on what is best for the patient, not on what is best for the for-profit dental insurance company.

The total fee is the patient's responsibility but the dental office will work with the dental insurance carrier to get the maximum contracted benefit. The patient should speak with the dental treatment coordinator before treatment begins in an attempt to estimate the available dental insurance benefit.

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