How much does it cost to repair a chipped tooth?

The cost of repairing a chipped tooth can depend on where you live, the damage and the treatment needed to fix it. For example, if you live in Chicago, Illinois, you could pay up to $230 for a filling or up to $2,500 for a dental implant.1

Here’s some information on what causes chipped teeth, potential costs to fix them and more.  

What can cause chipped teeth?

Tooth enamel is the hardest substance in the human body.2 However, chipping a tooth is common and can happen in a number of ways: 

  • Biting down on something hard (ice, hard candy) 
  • Trauma to the mouth or face 
  • Bruxism (teeth grinding) 
  • Uneven chewing pressure 
  • Using teeth to open a bottle or package 

If you do chip a tooth, take these actions right away: 

  • Call your dentist and make an appointment as soon as possible—preferably the same day. 
  • Rinse your mouth with warm salt water to reduce the risk of infection. 
  • Apply pressure with a clean gauze if your mouth is bleeding. 
  • Cover the chip with a piece of sugarless gum or paraffin wax if it’s sharp or jagged. 

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Does dental insurance cover chipped teeth?

If fixing the chip is medically necessary, your dental insurance plan may cover some of the costs. If you don’t have dental insurance, you can use a health savings account (HSA) or flexible spending account (FSA) to pay for medically necessary dental treatments. HSAs and FSAs allow you to save money in an account before it’s been taxed to pay for eligible medical expenses.

Chipped tooth treatments and costs

For small chips, your dentist may simply smooth and polish the affected area. For medium and large chips, repairing the tooth will likely require 1 of these treatments: 

  • Dental bonding —A simple procedure where a composite material is molded onto the tooth to replace the missing piece. Once the composite has hardened, it can be polished to a natural-looking finish. 
  • Dental crowns —A metal, ceramic or porcelain shell that is custom fitted to cover an entire tooth. Crowns protect the tooth from irritation and infection and can help restore a natural appearance. If you live in Chicago, Illinois, you could pay between $700-$1,300 for a dental crown.1 
  • Dental veneers —Like crowns, veneers are porcelain covers for teeth. A thin layer can be used to cover the front of the tooth while a thicker section can fill in the chipped part of the tooth. 
  • Dental implants —If your tooth is severely chipped, cracked or broken, your dentist may recommend having the tooth removed and replaced with a dental implant.  If you live in Chicago, Illinois, you could pay between $850 - $2,500 for a dental implant.1

In severe cases, you may also need a root canal . This is only needed if the chip exposes the tooth's nerves and roots or damages the inner tissue. The root canal will remove the affected nerves or tissues and the tooth can be sealed up with a filling or crown. If you live in Chicago, Illinois, you could pay between $500-$1,400 for a root canal. 

Learn about dental plans with Humana

If you need dental treatment, Humana can help. We offer a broad range of dental plans with varying levels of coverage, many with affordable monthly premiums. Some of our plans also feature no waiting periods, which means you could get covered in about 5 days. To explore plans and prices in your area, check out our Humana dental insurance page .

Frequently asked questions

How can I avoid chipped teeth?

A few good ways to prevent a chipped tooth include: 

  • Not using your teeth as a tool to open things
  • Not chewing really hard foods
  • Wearing a mouth guard when playing sports
  • Seeing your dentist regularly to keep your teeth healthy

Will a chipped tooth heal naturally?

No. Teeth don’t have blood vessels like bones so they can’t repair naturally. You’ll need to see a dentist to have the chip fixed.

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From budget-friendly monthly premiums to low office-visit copays, Humana has a dental plan that is sure to fit your needs.

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Sources

  1. Humana Inc. NA-95 Dental Procedure Pricing Tool. This document is proprietary to Humana Specialty. Last accessed October 11, 2025.
  2. 5 Reasons Your Smile Is Stronger Than You Think ,” American Dental Association, last accessed Nov. 12, 2025.