If you’re dealing with tooth pain or sensitivity, one of the first questions that may cross your mind is:
“Does my insurance cover a root canal?”

The short answer for most patients is yes — typically, it does.
But the exact amount depends on your plan, deductible, and whether you’re visiting an in-network specialist.

Below is a simple, straightforward breakdown to help you understand what to expect.

Do Most Dental Insurance Plans Cover Root Canals?

Yes. Root canal therapy is usually classified as a “major” or “basic” dental service depending on your insurance provider.

Most plans cover:
✔ 40%–80% of the procedure
✔ Depending on your benefits
✔ After your deductible is met

Coverage varies, but root canals are considered medically necessary procedures — especially when an infection is involved.

Understanding Your Level of Coverage

Your out-of-pocket cost depends on three main factors:

1. Your Plan’s Coverage Category

Root canals may fall under:

  • Basic services → typically 60–80% covered

  • Major services → typically 40–60% covered

2. Your Annual Deductible

This is the amount you must pay before insurance contributes.
Most dental deductibles range from $50–$150 per year.

3. Your Yearly Maximum

This is the total amount your plan will pay in a calendar year.
Common annual maximums: $1,000–$2,000.

If you’ve already used part of your benefits earlier in the year, your remaining coverage may be affected.

Does Insurance Cover All Types of Root Canals?

Most plans help cover:
✔ Molars, premolars, and front teeth
✔ Retreatment (when a previous root canal needs to be redone)
✔ Emergency endodontic care
✔ Surgical procedures (like apicoectomy), depending on the plan

Coverage can vary for more advanced procedures such as laser-assisted treatment, but the core root canal therapy is generally included.

Are Specialists (Endodontists) Covered?

Yes — dental insurance typically covers care from a specialist like an endodontist.

Your benefits may differ slightly depending on:

  • Whether the specialist is in-network

  • Your plan’s PPO or HMO rules

  • Whether a referral is required (rare, but possible)

At Eastern Idaho Endodontics, many patients discover their coverage is better than expected, even when visiting a specialist.

How Much Does a Root Canal Cost With Insurance?

Costs vary based on the tooth, complexity, and plan.

Typical out-of-pocket estimates after insurance:

  • Front tooth: $0–$300

  • Bicuspid (premolar): $50–$400

  • Molar: $150–$600

Most patients are surprised by how affordable treatment becomes once insurance benefits are applied.

Does Insurance Cover the Final Crown?

Usually, yes.

A crown is recommended (especially on molars) to protect the tooth long-term.
Crowns often fall under major services, with 40–60% coverage depending on the plan.

How to Check Your Exact Insurance Coverage

Before your visit, you can easily verify benefits by:
✔ Calling your insurance provider directly
✔ Checking your online member portal
✔ Providing your insurance info to our team — we can look up coverage for you

Most patients prefer the third option because it’s faster and avoids long hold times.

Do You Need Insurance to Get a Root Canal?

No. Many patients choose to self-pay.
Flexible payment arrangements and financing options may be available if you’re not using insurance.

The Bottom Line: Root Canal Coverage Is Better Than Most People Think

Insurance can significantly reduce the cost of root canal treatment, and for many patients, it covers the majority of the procedure.

If you’re experiencing pain, sensitivity, swelling, or pressure, delaying treatment can worsen the problem — and increase costs. Our Idaho Falls team can help you understand your exact insurance benefits and get you the relief you need.