Yes—most dental insurance plans do cover root canals, but how much they cover depends on your specific policy, deductible, and whether you’ve already used up part of your annual benefit. Let’s break it all down below.

Let’s Talk Insurance (Without the Headache)

We get this question all the time—“Is a root canal covered by my dental insurance?”
And honestly, we don’t blame you for asking. The last thing you want to worry about when you’re in tooth pain is how much it’s going to cost.

Here at Eastern Idaho Endodontics, we believe in making things as easy as possible, so we’ve broken down what you need to know in plain English—no jargon, no surprises.

So… Is It Covered?

Short answer: Yes, in most cases.
The majority of dental insurance plans include coverage for root canal therapy, often under the category of “major dental services.” But, like everything with insurance, the details matter.

Here’s what typically happens:

  • Preventive care (cleanings, exams): 100% covered

  • Basic procedures (fillings): 70–80% covered

  • Major procedures (root canals, crowns): 50% covered

Root canals usually fall into that 50% bracket, but this can vary depending on your plan.

What Does Insurance Actually Pay For?

Let’s break it down with a hypothetical example

Say your molar root canal costs $1,200. If your plan covers 50% of major procedures, and you’ve met your deductible, insurance might pay $600, and you’d owe the other $600 out-of-pocket.

But don’t forget—some plans also cover:

  • Diagnostic exams and X-rays

  • Follow-up visits

  • Part of the crown cost (depending on the plan)

Every plan is a little different, which is why we always recommend checking with your provider—or letting us help with that part.

Your Coverage Might Depend On These 5 Things:

1. Your Insurance Provider

Each company (Delta Dental, MetLife, Cigna, Aetna, etc.) has different rules, coverage levels, and approved procedure codes.

2. Annual Maximum

Most dental plans cap coverage between $1,000–$2,000 per year. If you’ve already had a crown or deep cleaning, some of that may be used up.

3. Deductible

Before insurance kicks in, many plans require you to meet a deductible—typically $50 to $150 annually.

4. Waiting Periods

Some plans have a waiting period before they’ll cover major procedures like root canals—usually 6–12 months after enrollment.

5. In-Network vs. Out-of-Network

Using a provider in your network often means better coverage and lower out-of-pocket costs. We’re happy to check that for you!

What About Crowns—Are Those Covered Too?

Great question! Most molar and premolar root canals will require a crown to protect the tooth after treatment. These are often covered at a different percentage—usually 50% or less—under “restorative services.”

So yes, crowns are typically covered, but often not at 100%. Be sure to ask your provider or reach out to us if you’d like help understanding that part of your plan.

Don’t Have Insurance? You’re Not Alone.

If you’re uninsured or underinsured, don’t worry—we believe everyone deserves access to care, and we offer:

  • Transparent pricing

  • Payment plans

  • Flexible financing through third-party partners

We’ll walk you through all your options and work with your budget. You’ll never be pressured—just supported.

How We Help with Insurance at Eastern Idaho Endodontics

We know how confusing insurance paperwork can be. That’s why our friendly front desk team is happy to:

  • Verify your benefits before treatment

  • Submit your claim directly

  • Provide a cost estimate before you commit

  • Explain your expected out-of-pocket costs

No surprises, no stress. Just clear answers.

Conclusion

Most dental insurance plans do cover root canals, but there are always variables. From annual maxes to waiting periods, it pays to know the fine print.

If you’re dealing with tooth pain and wondering what’s covered, our best advice? Don’t wait.
We’ll help you understand your benefits and build a plan that works—for your mouth and your wallet.

FAQs – Quick Answers to Your Root Canal Coverage Questions

1. How much of a root canal is typically covered by insurance?

Usually about 50%, but it depends on your plan, deductible, and annual limit.

2. Are crowns included in root canal coverage?

They’re usually covered separately, under restorative care, often at 50%.

3. What if I don’t have dental insurance?

We offer financing options and payment plans to help make treatment affordable.

4. Can you check my insurance benefits before I come in?

Absolutely! Just call us with your provider details and we’ll take care of the rest.

5. Is it cheaper to pull the tooth instead?

It might be cheaper short-term, but replacing a missing tooth can cost 3–5x more in the long run.