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Patient education

Cost, insurance, and financing.

We work with most major plans and make treatment easier to afford. Here is how coverage, estimates, and financing work at MFE.

Direct answer

Does insurance cover a root canal? Most dental plans include coverage for root canal treatment, and many also cover retreatment. What you pay depends on your plan, deductible, and annual maximum. We are in-network with many PPO, DMO, HMO, and Medicaid dental plans, our team verifies your benefits before treatment, and CareCredit financing is available.

MFE is in-network with a wide range of dental plans, including PPO, DMO, and HMO coverage from carriers such as Aetna, Cigna, Delta Dental, MetLife, Guardian, Humana, and United Healthcare, and we are in-network with Medicaid dental plans including MCNA, DentaQuest, and Liberty Dental Plan. In-network status varies by plan, so our team verifies your exact benefits before treatment and gives you an estimate in advance. CareCredit financing is available when you need it. See the current list on our insurance and fees page.

Topics covered in this guide

  • Which dental insurance plans does MFE accept?

  • How does MFE verify my insurance benefits before treatment?

  • What financing options are available if I do not have dental insurance?

  • Is keeping a tooth with root canal therapy less expensive than an implant?

  • What is CareCredit and how does it work for dental care?

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Common questions about cost and insurance

Does MFE take my insurance?
We are in-network with a wide range of dental plans spanning PPO, DMO, and HMO coverage, and we are in-network with Medicaid dental plans as well. In-network status varies by plan and can change, so see our insurance and fees page for the current list or call your nearest office to confirm your specific plan.
How much will my treatment cost?
Cost depends on the tooth, the procedure, and your insurance plan, so there is no single price. Once we examine the tooth and verify your benefits, we provide a clear estimate before any treatment begins. Call your nearest office for an estimate for your situation.
Will you check my benefits before my appointment?
Yes. Our team at each office verifies your benefits ahead of time and explains what your plan covers. You will know your estimated portion before treatment starts, with no surprise charges after the fact.
What if I do not have dental insurance?
You are welcome at MFE with or without insurance. We accept cash and major credit cards and offer financing through CareCredit so you can spread payments over time. Your nearest office can walk you through the options.
What is CareCredit?
CareCredit is a healthcare financing option that lets you pay for treatment over time, often with interest-free plans on qualifying care. Many patients use it to make treatment fit their budget. Ask your MFE office how to apply.
Is a root canal worth the cost compared with pulling the tooth?
In most cases, keeping your natural tooth is the more economical choice over time. An extraction often leads to the added cost of an implant or bridge to replace the missing tooth. Root canal therapy preserves what you already have, and your endodontist will give you an honest recommendation.
Do you offer payment plans?
Yes. Through CareCredit, qualifying patients can break treatment into manageable monthly payments. Combined with your insurance benefits, this keeps care within reach. Your office can review the details with you.
Does insurance cover the whole treatment?
Coverage varies by plan. Many PPO plans pay a portion of root canal treatment, and your remaining share depends on your benefits and deductible. We verify all of this in advance and give you a written estimate. Call your nearest location with questions about your plan.
Does MFE accept HMO plans or Medicaid?
Yes to both. Our in-network list includes HMO and DMO plans such as Safeguard HMO, Deltacare USA, Aetna DMO, and Cigna DMO, and we are in-network with Medicaid dental plans including MCNA, DentaQuest, and Liberty Dental Plan. Participation varies by plan and by office, so call with your carrier name and plan ID and we will verify your coverage before your visit.
Does insurance cover root canal retreatment?
Many plans do, including PPO and some HMO plans, but some do not. Retreatment is billed under its own ADA codes, D3346, D3347, or D3348, depending on the tooth. Waiting periods, frequency limits, and your annual maximum still apply, so we verify your benefits before treatment begins.
Does my annual maximum or deductible affect what I pay?
Yes. Most PPO plans have an annual deductible and a yearly maximum benefit. Our team reviews both when verifying your benefits, so you will have a clear picture of what your plan covers before any treatment begins.
Can I get a cost estimate before my appointment?
A precise estimate depends on an exam and X-rays, but our team can give you general information about your plan’s coverage over the phone. Call any MFE location with your insurance card and we will do our best to prepare you.

Questions about coverage?

Get an estimate for your plan.

Call any MFE location and our team will verify your benefits and explain your options.

Find your nearest location Insurance details