Many dental insurance policies help cover most or all of your preventative care costs. In many cases, a yearly X-ray is part of preventative care. If some dental patients need additional X-rays, dental coverage may help reduce the costs of these services and associated procedures. Let’s dive deeper into how dental X-rays work, some common types, and factors that can impact costs.
Table of Contents
A dental X-ray is a simple procedure that helps a dentist see all areas in your mouth. It helps them see hidden structures, such as bones, nerves, and tooth roots. As a result, they can check the health of these structures and look for early warning signs of potential problems.1
To get an X-ray, the dentist uses X-ray equipment to send a small amount of X-ray radiation through your mouth. A detector on the other side captures the radiation to create the image.
Dental X-rays can either be intraoral or extraoral, meaning the film or sensor is placed inside or outside your mouth.1 Here are some intraoral X-ray types:
Here are some extraoral X-ray types:
Many dental insurance plans, such as Aflac dental insurance, offer full coverage for preventative care, which includes routine X-rays. As for the number of X-rays, our plans help cover one X-ray per year. Fortunately, many people with healthy teeth and gums may not need an X-ray that often.2
Some X-ray types, such as cone beam CT scans, may be part of basic or major services and cost extra. Still, Aflac offers significant coverage on basic and major treatments.
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedHere are some average costs for different kinds of X-rays without insurance:3
X-Ray Type | Average Cost |
---|---|
Bitewing X-rays | $52 to $120 |
Periapical X-rays | $42 to $102 |
Occlusal X-rays | $43 to $103 |
Panoramic X-rays | $57 to $343 |
Cephalometric X-ray | $110 to $274 |
Cone beam CT scan | $361 to $879 |
Here are some aspects that may affect the cost of your dental X-rays:
X-rays vary in complexity and resources required. Therefore, as seen above, each type may cost a different amount. For example, bitewing X-rays are the simplest and cost the least. On the other hand, cone beam CT scans are more complex and performed by a dental surgeon, driving up the cost.
The more X-rays you need, the more you’ll have to pay. For example, if you need multiple X-rays to help the dentist identify a potential dental issue, you may pay more to help cover the cost of all these X-rays. On the other hand, if you only need one routine X-ray, you may not pay as much.
Big cities tend to have higher living costs. A dentist in one of these cities may charge more for the same X-ray to remain profitable. On the other hand, a dentist in a more rural area may charge less. You may have fewer options and have to travel further, but you could save money.
Many dental insurance policies help cover the full cost of one annual X-ray as part of your preventative care coverage. Beyond that, plans vary. Some may offer partial coverage for additional preventative X-rays. Others may help cover X-rays that are part of procedures, such as dental implants, since these X-rays are part of the procedure’s total cost. Dental insurance that help cover more X-rays may cost more in premiums but can be worth it if you need the additional coverage.
Depending on your situation and the services you receive, you may have to pay additional fees. Some examples include digital image storage, records management, immediate image processing, and specialist analysis. Furthermore, emergency or after-hours X-rays may cost more due to their urgency.
X-rays are a crucial part of your preventative care, helping the dentist look at hidden areas of your mouth and catch early warning signs of issues while they're easier and less expensive to fix. Additionally, some X-rays are part of larger procedures, such as dental implants.
Aflac’s dental insurance policies offer full coverage for your annual preventative X-ray and can help reduce the costs of most other dental procedures. Speak with an agent today to explore your options and get a quote.
Get StartedDental insurance can help lower your dental care costs. Learn how dental insurance works and the benefits and coverage this type of plan offers.
Emergency dental care can be costly without insurance. Learn what to do in a dental emergency and how dental insurance can help.
1 Royal Dental, PLLC - Understanding the Different Types of Dental X-Rays and Their Uses. Published June 7, 2024. https://www.royaldentalva.com/understanding-the-different-types-of-dental-x-rays-and-their-uses. Accessed May 27, 2025.
2 The Center for Dental Excellence - How Often Are Dental X-rays Necessary? Updated February 18, 2025. https://www.cdepa.com/how-often-are-dental-xrays-necessary/. Accessed May 27, 2025.
3 Well U - How Much Do Dental X-Rays Cost? Prices by Type and Location. Published January 31, 2025. https://www.carecredit.com/well-u/health-wellness/dental-x-ray-cost/. Accessed May 27, 2025.
Dental, Vision, Hearing (DVH)
Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.
82000: In Delaware, Policies A82100R-A82400R. In Idaho, Policies A82100RID-A82400RID. In Oklahoma, Policies A82100ROK-A82400ROK. In Virginia, Policies A82100RVA-A82400RVA.
Coverage underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
In Delaware, Policy T80000. In Idaho, Policy T80000ID. In Oklahoma, Policy T80000OK.
Dental claims are administered by SKYGEN USA, LLC. Vision claims are administered by EyeMed Vision Care, LLC. Hearing claims are administered by Nations Hearing.
NOTICE: The coverage offered is not a qualified health plan (QHP) under the Patient Protection and Affordable Care Act (ACA) and is not required to satisfy essential health benefits mandates of the ACA. The coverage provides limited benefits.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
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