The short answer
A filling repairs a defined area of lost tooth structure. A crown covers the tooth after it has been shaped. Monitoring may be reasonable for some findings that do not need immediate treatment. The choice depends on the examination, how much sound tooth remains, cracks or decay, the bite, symptoms and the expected loading on that tooth.
Ask what has weakened the tooth
Decay, a fracture, a large previous filling, wear and root canal treatment can affect how much support remains. Ask the dentist to show or explain the finding, whether more investigation is needed and what could happen if no treatment is carried out now.
Understand what each restoration changes
A filling replaces a local area. A crown covers the remaining tooth and requires tooth preparation. Neither term alone tells you the material, design or expected limitations. Ask why the proposed restoration fits this tooth, what alternatives exist and what healthy tooth structure must be altered.
Monitoring needs a clear review plan
Monitoring does not mean ignoring a problem. Ask what will be watched, how it will be recorded, when it should be reviewed and which symptoms should bring you back sooner. If treatment is deferred, continue the cleaning and preventive steps recommended for your individual risk.
Compare the whole plan and likely maintenance
Ask whether temporary work, laboratory stages, a build-up, root canal treatment or another procedure is separate from the quoted restoration. Discuss expected care, review visits and the possibility of future repair or replacement. Request an itemised estimate before deciding.
Explore related care
Continue from the question you have
General information for planning a visit. This guide is not individual clinical advice. Further reading: NHS: crowns and fillings · NHS: chipped, broken or cracked tooth.