Same-Day Indirect Ceramic Polymer Inlays/Onlays

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Inlay/Onlay Reimbursement

An inlay is an indirect restoration constructed of cast metal, porcelain/ceramic, or composite/resin that neither supports nor replaces a cusp (or cusps) of a tooth. The inlay restoration is nothing more than a centric stop in that it provides no protection for the cusp tip as concerns lateral and/or protrusive masticatory forces in excursions.
The onlay component of an inlay/onlay restoration is another story. The onlay component replaces the cusp tip (or tips). The onlay entirely replaces the cusp tip so as to maintain and/or restore the vertical dimension in the preparation. When the cusp tips are sound (Figures 3, 6, and 8), the original vertical dimension is not altered.
The coding sequence provides for a single code number to identify an inlay with an associated onlay component. As we all know, it is a technical impossibility to construct an onlay without first identifying the surfaces of the inlay. Hence, the descriptions are currently somewhat misleading.
With regard to third-party reimbursement, few if any benefit plans consider an inlay in the absence of an onlay component to be a contractual benefit. Since an inlay is nothing more than a centric stop that adds little or no strength to the remaining natural tooth structure, it is traditionally reimbursed at the level of a traditional, direct restoration.
Inlay restorations (Figures 6, 7, and 9) are optional benefits when the tooth can be restored adequately with a similar direct restoration. An allowance is generally made for that similar material, and the patient is responsible for the difference in cost.

Table. 2010 Resin-Based Composite Inlays/Onlays
Code Description Lower Low Medium High Higher Average RV
  Inlay/Onlay Restorations              
D2650 Inlay-resin based composite
composite/resin-1 surface
$205 $448 $450 $801 $1,115 $574.00 13.05
D2651 Inlay-resin based composite
composite/resin-2 surfacea
$250 $493 $495 $846 $1,200 $619.00 14.07
D2652 Inlay-resin based composite
composite/resin-3 or more surfaces
$350 $593 $595 $946 $1,300 $719.00 16.34
D2653 Onlay-resin based composite
composite/resin-3 surfacea
$500 $743 $745 $1,096 $1,450 $869.00 19.75
D2654 Onlay-resin based composite
-4 ore more surfaces
$554 $783 $795 $1,169 $1,475 $968.70 22.02

This data represents 100% of the 90th percentile. The relative value is based upon the national average and not the individual columns of broad-based data. The abbreviated code numbers and descriptors are not intended to be a comprehensive listing.