Cost of Inlays & Onlays

Material

Both inlays and onlays can be fabricated from a range of materials, including porcelain, composite resin, and gold. Porcelain offers the most aesthetic option, but it is typically the most expensive. Gold inlays and onlays are more affordable but can negatively affect the aesthetics of your smile.

Composite resin, also known as an indirect filling, is less expensive but prone to staining over time. These types of restorations will typically not last as long as porcelain or gold. Although pricing is an important factor to take into account for an inlay or onlay, the experience of the dentist you are considering is equally, if not more, important.

Extent of Treatment

The extent of damage or decay requiring treatment can affect the overall cost of your procedure. In general, inlays are used for smaller areas and tend to cost less than onlays. However, if you need more extensive treatment, your dentist may recommend an onlay.

Sedation

While most patients undergo inlay and onlay placement with only local anesthesia, some prefer to be sedated during the procedure, especially if they have dental anxiety. Dental sedation will add to the overall price of your treatment and may not be covered by insurance.

Dentist’s Experience

Although pricing is an important factor to take into account if you have been told you need an inlay or onlay, the experience of the dentist you are considering is equally, if not more, important.

The placement of inlays and onlays is technique-sensitive and requires the expertise of a skilled dentist to produce satisfactory results. If placed improperly, an inlay or onlay can interfere with a patient's bite, resulting in the need for additional dental work.

Location of Practice and Lab

In some cases, the location of a dental practice can affect the overall price of your treatment. Since inlays and onlays are custom-made, the dental laboratory your dentist partners with can also play a role in the cost of your restoration. However, choosing a reputable dentist and a trustworthy lab can mean the difference between successfully restoring your tooth and experiencing more substantial issues in the future.

Dental Insurance

Since inlays and onlays are used to treat the effects of decay or trauma, dental insurance typically covers most or all of the patient’s treatment costs. A patient with a reasonably good insurance policy can usually expect to pay between $10 and $50 for a gold inlay or onlay, and between $40 and $100 for a porcelain or composite resin restoration.

Financing Options

For individuals without insurance, many dental practices offer financing options to place high-quality care within reach. Healthcare financing plans, such as Compassionate Finance® and CareCredit®, offer loan programs designed to make dental procedures more affordable to a wide range of patients.