When it comes to dental treatment costs, most patients end up asking the same question: how much will it actually cost? And how much of that will be covered by their health insurance? The price of dental care depends on numerous factors, yet it is essential that patients receive clear and transparent information. This guide helps you navigate the different types of costs — in plain language, with clinical accuracy, and without unnecessary technical jargon. It is written for anyone who wants to understand what determines the cost of dental treatment and how to make confident decisions even before the first consultation.
Our article is about the following:
- What do I have to pay for myself at the dentist?
- How much does health insurance cover for dental treatment?
- When is it worth investing in higher-quality materials?
- How to plan your dental treatment costs wisely
What do I have to pay for myself at the dentist?
In most countries — particularly across Europe — a significant proportion of dental treatments involve a patient co-payment. This means the patient pays a certain fee per procedure, even when insured. There are several reasons for this.
- Most dental procedures are not classified as emergency care. Health insurers often only cover “necessary and sufficient” treatment options, such as simple fillings, extractions or the management of acute infections.
- Aesthetic upgrades and premium materials come with an additional fee. If a patient chooses zirconia crowns, premium implants or higher aesthetic standards, these are typically not covered by standard insurance policies.
- The complexity of the treatment plan also affects the final cost. More extensive procedures (such as full mouth rehabilitation) may involve several steps: diagnostics, X-rays, 3D scanning, temporary restorations and laboratory work — all of which add to the overall fee.
Patients generally pay the full cost for the following treatments: 
- professional scale and polish / dental hygiene appointment
- Tooth whitening
- zirconia, pressed ceramic or gold crowns
- dental implants and implant supported restorations
- invisible orthodontics
- dental bone graft
- veneers
But an important note: many clinics offer a free initial assessment or a discounted first consultation. This is an excellent opportunity to clarify costs before beginning any treatment.
How much does health insurance cover for dental treatment?
Most insurers provide reimbursement only for specific types of treatment — and often only up to a fixed amount. The exact percentage varies between countries, but the principle is similar.
What is typically covered?
- basic amalgam or composite fillings
- non-surgical tooth extractions
- standard radiographs
- treatment of acute infections
As mentioned earlier, higher-end or more aesthetic treatment options are rarely covered. Insurers determine the reimbursement level based on the submitted treatment plan. This is why it is advisable to request a detailed written estimate for any major treatment so that the insurer can review it as well. A practical tip: if there are several possible treatment options (e.g. metal-ceramic vs zirconia crown), ask for two separate quotes. This makes it clear how much more the premium option will cost. More about dental health insurance
How much does a dentist get paid for a tooth extraction?
Tooth extraction is one of the most common procedures — and also one where patients are often surprised by the price differences. The cost of a simple extraction and a surgical wisdom tooth removal can be miles apart. 
Average international prices:
- simple extraction: 43–132 £
- surgical extraction: 132–300 £
- wisdom tooth removal (surgical): €200–600
Why such a wide range?
- Time required: a difficult wisdom tooth extraction can take 30–60 minutes.
- Technical resources: use of CBCT imaging, specialised instruments and a sterile surgical environment.
- Clinical expertise: the procedure is performed by an oral surgeon with advanced qualifications.
Insurers usually cover the cost of a basic extraction, but the additional fee for surgical intervention is typically paid by the patient.
How much does dental treatment cost without health insurance?
Without insurance, the patient pays the full price of the treatment. This may sound daunting at first, but many clinics offer transparent package fees and even instalment plans.
Average costs without insurance:
- composite filling: 60–140 £
- root canal treatments: €150–500, depending on the tooth and number of canals
- metal-ceramic crown: €350–700
- zirconia crown: 450–900 £
- complete implant restoration: 1000–2100 £
The price of treatment is largely determined by the quality of the materials, the level of technology used (digital impression, 3D planning) and the dental laboratory’s craftsmanship. A modern CAD/CAM-milled zirconia crown is in a completely different category — not just in price, but also in durability — compared with an older-type metal-ceramic crown.
When is it worth investing in higher-quality materials?
Sometimes the cheapest option ends up being the most expensive in the long run. If a crown needs replacement after three years, it wasn’t really good value. Therefore, it is worth considering:
- How heavily loaded the tooth is (chewing zone vs front tooth)
- How important aesthetics are
- Which material can withstand greater biting forces
Long-term stability often pays off more than a one-time saving. Read more about different types of dental implants
How to plan your dental treatment costs wisely
Patients make the best decisions when they understand exactly what the treatment plan involves, what alternatives exist, and why each procedure costs what it does.
Follow these steps:
- Request a detailed written treatment estimate
- Prepare for two or three alternative treatment options
- Ask what is covered by your insurer
A good dentist does more than treat teeth — they help you navigate the financial aspects as well. The goal is simple: to find a solution that is clinically sound, long-lasting and financially manageable for the patient. Check our dental implants costs, all on 4 costs, dental bridge cost, cost of dental bone graft, dental crown cost
