Getting a dental onlay might sound fancy, but it’s really just a way to fix a damaged tooth without going all in on a crown. Still, a common question patients have is: How much is this going to cost me? And the answer? It depends—on the material, the lab, and whether insurance kicks in.
In this quick guide, we’ll walk you through how much inlays, onlays, and overlays typically cost, what affects the price, and what you can expect to pay with or without insurance. Here’s a breakdown of dental filling costs in Washington
What Are Inlays, Onlays, and Overlays?
- Inlays are used when the damage is within the cusps (the bumpy parts) of your tooth. Think of it like a puzzle piece that fits neatly into the chewing surface.
- Onlays go a bit further. They cover one or more cusps and are sometimes called “partial crowns.”
- Overlays offer even more coverage, often wrapping over most of the tooth—like a crown, but with less removal of your natural tooth structure.
These options are more precise and durable than traditional fillings Check out our guide on when to get a dental crown vs. a filling, making them a great choice for restoring moderate tooth damage without needing a full crown.
How Much Does a Dental Onlay Cost to Lab?
On average, a dental onlay can cost anywhere from $650 to $1,200 per tooth. That price can go up depending on the material used, the complexity of the case, and your dentist’s location or experience.
But here’s something most people don’t realize: part of that cost often goes to an outside lab. This is where the onlay is custom-made to fit your tooth perfectly. So when you see “dental onlay cost to lab” or “porcelain onlay cost to lab” in your treatment estimate, that’s what it refers to.
If your case is more involved or if premium materials like porcelain or gold are used, expect to be on the higher end of the range. Composite options may cost less but may not last as long.
Cost of Materials: Porcelain, Gold, and Composite Onlays
The material you choose plays a big role in how much you’ll pay—and how long the restoration will last.
- Porcelain Onlays and Inlays: strong, tooth-colored, and blends in beautifully with your natural smile. That aesthetic comes at a price.
- Average cost: $800–$1,200
- Gold Inlays and Onlays: Gold may not match your tooth color, but it’s incredibly durable. Many dentists still recommend it for back molars where strength matters most.
- Average cost: $600–$1,000.
Fun fact: In some cases, gold inlay is cheaper than porcelain inlay.
- Average cost: $600–$1,000.
- Composite Resin: This is often the most affordable option. It looks natural but isn’t quite as durable as porcelain or gold. It might need to be replaced sooner, especially for people who grind their teeth. Here are signs it might be time for a new one
- Average cost: $500–$900
When reviewing your treatment plan, don’t be afraid to ask your dentist what materials are available and how each option fits your needs and budget.
Onlay and Inlay Costs with Insurance
If you have dental insurance, there’s a good chance it’ll cover part of your onlay or inlay—especially if it’s medically necessary (like fixing a cavity or cracked tooth). Most plans cover 50% to 80% of the cost after your deductible is met.
That said, coverage can vary depending on:
- Your insurance provider
- Whether the procedure is considered restorative or cosmetic
- The material used (some plans won’t cover gold or porcelain)
So, if you’re wondering about inlay cost with insurance or onlay cost with insurance, your best move is to ask your dental office to send a pre-authorization. That way, you’ll have a clearer picture of your out-of-pocket cost before the procedure. how different types of tooth fillings compare
Final Thoughts: What Should You Expect?
While onlays and inlays might cost more upfront than a regular filling, they’re built to last—and they help preserve more of your natural tooth compared to a full crown. If you’re paying out of pocket, talk to your dental office about lab fees, material options, and flexible payment plans. what to expect after getting a tooth filling
At btyDENTAL WA, we keep things simple and transparent. Whether you’re considering a tooth-colored porcelain onlay or a long-lasting gold inlay, our team is here to guide you through every step—with clear costs and compassionate care.
Schedule your dental filling consultation today at one of our convenient locations across Washington. Let’s get your smile feeling better than yesterday.
