How Much Does Wisdom Tooth Removal Cost With Insurance?

Wisdom tooth removal is a common dental procedure, and while it’s often necessary to maintain good oral health, the cost can vary significantly depending on whether or not you have insurance. For patients with dental insurance, understanding what’s covered and how much you’ll need to pay out-of-pocket is crucial.

This guide will break down the average cost of wisdom tooth removal with insurance, the factors that affect pricing, and how to maximize your insurance benefits.

 

5 Factors That Influence the Cost of Wisdom Tooth Removal With Insurance

 

Even with insurance, several factors can impact how much you end up paying for wisdom tooth removal:

 

Type of Extraction

Simple extractions (where the tooth is fully erupted) typically cost less than surgical extractions, such as the removal of impacted teeth. Insurance plans usually cover a portion of both types, but surgical procedures tend to have higher out-of-pocket costs. Learn more about the extraction process.

Coverage Limits and Deductibles

Many insurance plans cover 50-80% of the cost for oral surgery, including wisdom tooth extraction, after you’ve met your deductible. The remaining cost will be your responsibility. It’s important to check if your plan has a yearly maximum payout, as exceeding this amount could leave you covering the rest.

Geographic Location

The cost of wisdom tooth removal can vary based on location. At UrgentDent, we provide competitive pricing across both our Munster and Merrillville clinics, ensuring that patients receive quality care at affordable prices.

Anesthesia and Sedation Options

While local anesthesia is generally covered by insurance, sedation options such as IV sedation or general anesthesia may not be fully covered. Discuss your options with your dentist to understand what portion of sedation is covered by your insurance.

Emergency Wisdom Tooth Removal

If you require an emergency wisdom tooth removal, the cost may be higher than a scheduled procedure due to the urgent nature and complexity of the situation. However, many insurance plans will still cover part of the emergency procedure. Learn more about emergency dental care.

 

Average Cost of Wisdom Tooth Removal With Insurance

 

On average, wisdom tooth removal can cost between $75 and $200 per tooth with insurance. This range typically includes simple extractions but may rise for surgical extractions or impacted teeth. For more complex cases, the cost may go up to $500 per tooth, even with insurance coverage.

Patients without insurance can expect to pay between $200 and $700 per tooth, as mentioned in our previous blog, How Much Does Wisdom Tooth Removal Cost?.

 

How Insurance Affects Out-of-Pocket Costs?

 

After your deductible is met, your insurance plan will generally cover a percentage of the procedure. Here’s an example to illustrate:

  • Deductible: Let’s say your deductible is $200, which you’ve already met.
  • Coverage: Your insurance covers 80% of wisdom tooth extractions.
  • Cost of Extraction: If the cost of your procedure is $400, your insurance will pay $320, and you’ll be responsible for the remaining $80.

 

It’s important to check with your insurance provider for specifics, as each plan differs.

 

Key Facts to Consider About Insurance Coverage

 

  • Preventative vs. Major Dental Work: Wisdom tooth removal is often classified as major dental work, so the coverage may be different compared to routine cleanings or check-ups. For general preventive care, visit our Cleaning and Prevention services page.
  • Pre-authorization: Some insurance plans require pre-authorization for oral surgery. Be sure to confirm with your provider before scheduling the procedure.
  • Annual Maximums: Dental insurance plans often have annual maximum benefits, typically between $1,000 to $2,000. If your wisdom tooth removal exceeds this amount, you’ll be responsible for the remaining costs.

 

For patients who need guidance on post-extraction care, we recommend reading our blog What Can You Eat After Wisdom Teeth Removal?.

 

Emergency Wisdom Tooth Removal Costs with Insurance

 

In emergency situations, such as infections or severe pain from impacted teeth, wisdom tooth removal may need to happen quickly. Insurance can still cover a significant portion of the cost, but the urgency can raise the total fee. If you’re in need of urgent care, our team at UrgentDent provides emergency wisdom tooth removal services to help you alleviate pain as soon as possible.

 

What If My Insurance Doesn’t Cover the Full Cost?

 

Even with insurance, some out-of-pocket costs may apply. If your insurance plan only covers a portion of the procedure, UrgentDent offers flexible payment plans to help ease the financial burden.

 

Steps to Maximize Your Insurance Coverage

 

  1. Verify Your Coverage

Before scheduling your wisdom tooth removal, contact your insurance provider to verify the details of your coverage. This can help you avoid unexpected out-of-pocket costs.

 

  1. Ask About Pre-authorization

Check if your insurance requires pre-authorization for wisdom tooth extraction. This is often necessary for more complex extractions or if sedation is involved.

 

  1. Plan Ahead

If your annual maximum is nearly met, consider planning the extraction for the next coverage period. This can help you avoid out-of-pocket costs that exceed your plan’s annual limit.

 

  1. Explore Payment Options

At UrgentDent, we offer a variety of payment options for patients who need assistance managing the cost of their wisdom tooth extraction. Call us at 219-513-0555 or visit our contact page for more information.

 

Why Choose UrgentDent for Your Wisdom Tooth Removal?

 

UrgentDent is committed to providing high-quality dental care for patients in Munster and Merrillville. With our experienced team of dental professionals, we offer both scheduled and emergency wisdom tooth removal services. Our focus is on patient comfort and satisfaction, and we work with most major insurance providers to ensure you receive the care you need without breaking the bank.

We also prioritize providing resources and support during your recovery. For example, if you’re wondering when it’s safe to stop using gauze after surgery, check out our blog When To Stop Using Gauze After Wisdom Tooth Extraction?.

For more information about wisdom tooth removal or to schedule an appointment, visit ourcontact page or call us at 219-513-0555.

Schedule Appointment


Captcha captcha

Subscribe to our newsletter

Call Now Book An Appointment