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Does Dental Insurance Cover Fillings?
For Everyone

Does Dental Insurance Cover Fillings?

Dental insurance policies vary, but many do cover fillings as they are generally considered a basic restorative procedure. Read on for some common circumstances under which dental insurance often covers fillings.

In what circumstances does dental insurance cover fillings?

Whether or not dental insurance covers fillings depends on a number of factors. Here are the main ones to keep in mind.

Type of Plan

Preventive and Basic Care Plans: Fillings are usually covered under plans that include preventive and basic care.

Comprehensive Plans: Higher-tier plans that include major restorative work often cover fillings alongside more extensive procedures like crowns and bridges.

Coverage Percentage

Copay and Coinsurance: Many plans cover a percentage of the cost (e.g., 50–80%) after a deductible has been met, with the patient responsible for the remainder.

Full Coverage Plans: Some full-coverage dental insurance plans may cover the entire cost of the filling after a small co-pay.

Material Used

Amalgam vs. Composite: The type of material used for the filling may also affect coverage. Amalgam (silver) fillings are generally less expensive than composite (tooth-colored) fillings, and some insurance plans may only cover the cost of an amalgam filling.

Annual Maximums and Deductibles

Annual Maximum: Keep in mind that dental insurance often has an annual maximum limit. Any costs incurred above this limit would typically be out-of-pocket.

Deductibles: Depending on your plan, you may need to meet a deductible before insurance starts to cover a portion of the costs.

Frequency Limitations

Replacement Period: Insurance might not cover the cost to replace a filling that is still considered serviceable or that was recently placed.

Pre-Approval and Necessity

Medical Necessity: Generally, the filling must usually be deemed medically necessary and not purely cosmetic.

Pre-Authorization: For more expensive or multiple fillings, some plans may require pre-approval.

In-Network vs. Out-of-Network

Network Restrictions: Seeing an in-network dentist may result in higher coverage percentages than if you visit an out-of-network provider. If you are patient visiting an out-of-network provider, read our Complete Guide to Out-of-Network Reimbursement for more information.

Additional Factors

Waiting Periods: Some insurance plans have a waiting period before you can claim for restorative procedures like fillings. Consult your plan details to know more, as waiting periods may vary significantly. 

Age Limits: Some pediatric dental insurance plans may have age limits for certain procedures, including fillings.

It is always advisable to check with your insurance provider for specific details on what is covered under your plan, including what percentage is covered and if there are any limitations or restrictions.

A step-by-step guide to insurance reimbursement for dental fillings

Insurance reimbursement for dental fillings involves multiple steps, and knowing what to expect can help both patients and dental providers navigate the process more efficiently. Here's a step-by-step guide:

Before the Appointment

Insurance Verification:

  • Contact the insurance company to verify eligibility and dental benefits.
  • Confirm if fillings are covered and at what percentage.
  • Check if there is a waiting period for restorative procedures.
  • Verify if you have met your deductible and what your annual maximum is.

Schedule the Appointment:

  • Make sure to schedule your appointment keeping in mind any waiting periods or other insurance restrictions.

Initial Consultation:

  • During the initial consultation, the dentist will determine if a filling is necessary.
  • X-rays and other diagnostics may be performed.

Treatment Plan and Approval

Treatment Plan:

  • The dentist will create a treatment plan outlining the procedure, including what type of filling material will be used.

Cost Estimate:

  • An estimate of the costs involved is generally provided, sometimes with a breakdown of what insurance is likely to cover and what will be out-of-pocket.


  • If required by the insurance policy, a pre-authorization request will be submitted to the insurance company along with any necessary documentation.

Day of the Procedure

Payment Arrangement:

  • Before the procedure, financial arrangements may be confirmed, such as how much you'll need to pay upfront, if applicable.

Dental Filling Procedure:

  • The actual filling procedure is performed.

Billing and Reimbursement

Claim Submission:

  • After the procedure, the dental office will prepare and submit an insurance claim. This usually includes detailed procedure codes and may also include x-rays or other supporting documents.

Direct Billing or Reimbursement:

  • If the dentist’s office has a direct billing arrangement with the insurance company, they will receive payment directly from the insurance company.
  • If you had to pay upfront, you would submit the necessary paperwork to your insurance company for reimbursement.

Explanation of Benefits (EOB):

  • Once the claim is processed, both you and the dentist will receive an Explanation of Benefits (EOB) outlining what the insurance covered and what your responsibility is, if any.


  • If the insurance payment didn't cover the entire cost, you would be responsible for paying the remaining balance. This could be due immediately upon receiving the EOB or could be billed to you later, depending on the dentist’s billing practices.

Check Coverage Percentage:

  • Confirm that the insurance company covered the expected percentage of the cost. If there's a discrepancy, you may need to contact them for clarification.

Follow-up and Record-Keeping

Payment Receipt:

  • Keep all receipts, invoices, and EOBs for your records.

Follow-Up Care:

  • If necessary, schedule any follow-up appointments or care.
  • By following this guide, you'll have a clearer understanding of what to expect at each step of the insurance reimbursement process for dental fillings. Always communicate openly with both your dentist and insurance provider to ensure that there are no surprises along the way.

How might the dental insurance reimbursement process be optimized for fillings?

There’s a great deal of hassle around insurance reimbursement for dental fillings. Whether you’re a dental practice, dental biller, insurance company, or a patient looking to get a filling, we have some ideas about how to make things smoother. 

Optimizing the dental insurance reimbursement process for fillings could involve streamlining operations, reducing errors, and improving patient satisfaction. Here's how this could be achieved:

For Dental Practices

Automate Insurance Verification: Utilize software like SuperBill’s SuperDial that integrates with insurance databases to verify patient eligibility and coverage in real-time. This can save administrative time and ensure that patients are adequately covered for fillings.

Standardized Treatment Plans: Create templates for common procedures like fillings to make it easier to generate and share treatment plans with insurance companies for pre-authorization.

Digital Claims Submission: Make use of electronic claims submission for faster processing and fewer errors. Many platforms validate the claim data before submission, reducing denials.

Immediate Coding: Use chairside tablets or mobile devices for dentists to immediately enter the procedure codes during treatment, reducing the chance of errors in the coding phase.

Claims Tracking: Use software to track the status of each claim and flag any that have been denied or delayed, enabling quicker follow-up actions.

For Insurance Companies

Speedy Pre-Authorizations: Accelerate and streamline the pre-authorization process by allowing online submissions and providing rapid decisions.

Real-time Updates: Provide real-time updates on the claim status and, if possible, instant approval for basic procedures like fillings.

Transparent Policies: Clearly outline what is and is not covered in your policies, and make this information easily accessible to both providers and insured individuals.

Standardized Documentation: Create templates for required documentation to make it easier for dental practices to provide necessary information.

For Both Practices and Insurance Companies

Online Portals: Establish online portals where dental practices can directly submit claims, track their status, and view past submissions. These could also be used by patients to view their claim statuses and understand their financial responsibilities.

Direct Payment Options: Consider options for direct payment to the dental practice to speed up the reimbursement process and reduce the administrative burden on patients.

Blockchain Technology: Explore the use of blockchain for claim verification and processing to increase transparency and speed.

Data Analytics: Use data analytics to identify bottlenecks in the reimbursement process, both for specific claims and overall operational efficiency.

Regular Training: Regularly update and train staff on both ends about the latest regulations, technologies, and best practices for reimbursement.

Quality Assurance: Perform routine audits of claims processing to ensure compliance with policies and identify areas for improvement.

Feedback Mechanism: Implement a feedback loop for dental offices and insurance company staff to share their experiences and propose improvements to the reimbursement process.

Educational Resources: Provide easily accessible educational resources for patients, including how-to guides and FAQs, to guide them through the reimbursement process for fillings, reducing confusion and administrative delays.

By implementing these optimizations, both dental practices and insurance companies can aim to reduce administrative costs, speed up the reimbursement process, and improve patient satisfaction.

Are you a dental billing specialist? Try these tricks to streamline your practice.

As dental billing specialists, we at SuperBill are happy to offer some tricks and best practices that can help streamline your dental billing processes, enhance efficiency, and improve your practice's overall financial health.

1. Verify Insurance Beforehand

  • Automate the Verification Process: Use software to automatically verify patient eligibility and the extent of their coverage before their appointment.

2. Accurate Procedure Coding

  • Real-Time Code Entry: Use chair-side tablets to allow clinicians to enter codes right away, reducing errors and speeding up claims.

3. Electronic Claim Submission

  • Batch Processing: Use electronic claim submission systems and submit claims in batches to save time.

4. Timely Follow-Up on Unsettled Claims

  • Set Reminders: Use a system that alerts you when a claim is past due, and automate the follow-up process when possible.

5. Optimize Billing Cycles

  • Regular Billing: Generate bills at regular intervals, such as weekly or bi-weekly, to maintain a steady cash flow.

6. Staff Training and Professional Development

  • Regular Updates: Keep staff updated on new insurance policies, coding changes, and any regulatory changes that may affect billing.

7. Use Data Analytics

  • Metrics and KPIs: Track the key performance indicators such as claim denial rates, average time-to-payment, and billing errors.

8. Patient Communication

  • Automated Patient Reminders: Send automated reminders to patients for upcoming appointments and outstanding balances.

9. Regular Audits

  • Quality Checks: Periodically conduct internal or third-party audits to ensure compliance and identify any gaps in your billing process.

10. Maintain Detailed Records

  • Digital Document Management: Keep all patient records, transaction histories, and interactions with insurance companies digitally stored and well-organized.

11. Direct Payment Options

  • Online Payment Portal: Offer online payment options to patients to facilitate easier payments and quicker reconciliations.

12. Financial Policy and Transparency

  • Clear Guidelines: Make sure patients are fully aware of your financial policies to avoid misunderstandings. Use software to generate accurate cost estimates for patients based on their insurance coverage.

13. Keep up-to-date with Software

  • Software Updates: Regularly update billing software and invest in technology that improves the efficiency and accuracy of your billing system.

14. Outsourcing Complex Cases

  • Specialized Services: Consider outsourcing complex or troublesome aspects of billing to specialists.

15. Streamline Pre-Authorizations

  • Digital Submissions: For treatments requiring pre-authorizations, have a system in place to manage and submit digital pre-authorizations to speed up approval times.

By implementing these tricks and best practices, you can create a more streamlined, efficient, and effective dental billing process that will benefit both your practice and your patients.

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About the Author

Sam Schwager

Sam Schwager co-founded SuperBill in 2021 and serves as CEO. Having personally experienced the frustrations of health insurance claims, his mission is to demystify health insurance and medical bills for other confused patients. Sam has a Computer Science degree from Stanford and formerly worked as a consultant at McKinsey & Co in San Francisco.