Cost is one of the most common concerns patients have when they learn they need oral surgery. We understand, and we want to help. At Oral Surgeons of Indiana, we believe that financial concerns should never stand between a patient and the care they need.
Here's a complete guide to understanding what oral surgery costs and how to make it work for your budget.
What Does Oral Surgery Typically Cost?
Costs vary significantly depending on the procedure, complexity, anesthesia, and other factors. General ranges include:
- Wisdom Teeth Removal: $345–$865 per tooth, depending on complexity (IV sedation billed separately)
- Single Dental Implant (surgical placement): $3,100 — the abutment and crown are placed and billed separately by your restorative (general) dentist
- Bone Grafting: $800–$4,500 depending on size
These are rough estimates. The only way to get an accurate cost is through a consultation and treatment plan.
Does Insurance Cover Oral Surgery?
Dental insurance typically covers:
- Wisdom tooth extractions (fully or partially)
- Tooth extractions
- Some implant procedures (varies widely by plan)
- Biopsies and oral pathology
Medical insurance typically covers:
- Treatment of infections or abscesses
- Facial trauma
- Sleep apnea surgery (when structurally indicated)
- Biopsy of suspicious lesions
- TMJ surgery in some cases
We recommend calling your insurance company before your appointment to understand your coverage. Our team verifies your dental benefits on your behalf prior to your appointment and provides a written estimate. Medical insurance may apply in some cases; we recommend confirming any medical-side coverage directly with your medical carrier.
Financing Options
Sunbit Sunbit offers simple, fast financing with no hard credit check required. Approval decisions come in seconds and most patients are approved. Plans are available with Special financing available options.
*Subject to credit approval. See CareCredit.com for details.
CareCredit CareCredit is a healthcare credit card that can be used for dental and medical expenses. It offers promotional Special financing available financing for qualified applicants and can be used for future healthcare expenses as well.
*Subject to credit approval. See CareCredit.com for details.
In-House Payment Plans We understand that some patients' needs fall outside the scope of third-party financing. Please speak with our financial coordinator about flexible payment arrangements.
Pay Bill Online
For the convenience of our patients, we offer online bill payment through our secure Weave payment portal. You can pay your balance at any time at your convenience.
3% Credit Card Surcharge
Please note that payments made by credit card are subject to a 3% surcharge. We accept cash and check at no additional charge.
Tips for Managing Oral Surgery Costs
- Use your dental benefits before year-end - Most dental insurance plans reset on January 1. Use your remaining annual maximum before it expires.
- Ask about treatment phasing - Some treatment plans can be phased across two calendar years to maximize insurance benefits.
- Apply for pre-authorization - For larger procedures, submit for insurance pre-authorization so you know your coverage before proceeding.
- Use a Health Savings Account (HSA) or Flexible Spending Account (FSA) - These tax-advantaged accounts can be used for qualified oral surgery expenses.
Our Commitment
We never want cost to prevent you from getting the care you need. Our team will work with you to understand your options, maximize your benefits, and create a plan that works for your situation.
How Cost Varies by Procedure
It helps to understand why two patients can receive very different estimates for what sounds like the same treatment. The complexity of your case is the biggest driver. A simple, fully erupted tooth costs far less to remove than a deeply impacted one that requires surgical access. Likewise, a single dental implant in an area with healthy bone is more straightforward, and therefore less expensive, than an implant that first requires a bone graft or sinus lift to rebuild the foundation.
Anesthesia is another factor. Choosing IV sedation for your comfort adds to the cost compared with local anesthesia alone, but for many patients the peace of mind is well worth it. Whether you are budgeting for wisdom teeth removal, dental implants, or bone grafting, the most reliable number comes from a consultation where we can examine your anatomy with 3D imaging and build an accurate treatment plan.
Understanding Your Estimate Before You Commit
Before any procedure, we provide a written estimate so you can see exactly what is covered by insurance and what your responsibility will be. We encourage you to ask questions about every line item, and to let us know your budget so we can identify the most cost-effective path. If a treatment can be safely phased over time to spread out the expense, we will tell you.
Our office serves patients throughout Indianapolis and the surrounding suburbs, from Carmel and Fishers to Zionsville and Greenwood, and the same financial support is available to everyone we treat. You can review more details on our financing page or reach out through our contact page to ask about your specific situation before scheduling.