Choose a procedure, how many teeth, and your coverage. The estimator applies your deductible, your plan’s coverage percentage and your remaining annual maximum.
Dental cost estimator
Pick the procedure and your coverage. We’ll estimate what insurance pays and what you pay.
You’ll likely pay about
$0
Total fee$0
Plan pays$0
You pay$0
Estimates use national price ranges and simplified plan rules. Your dentist’s fees, your plan’s negotiated rates, frequency limits and waiting periods all change the real number: ask for a written treatment estimate and an insurance pre-determination for big work.
How dental insurance math works
- Deductible first: you pay the first $50-$100 a year (usually waived for cleanings and exams).
- Coinsurance: the plan pays a percentage, often 100% preventive, 80% basic, 50% major.
- Annual maximum: once the plan has paid $1,000-$2,000 in a year, you pay everything else until it resets.
Example: a $1,400 crown with a $50 deductible and 50% coverage → the plan pays $675, you pay $725, if you have at least $675 of annual maximum left.
Before big work
Ask your dentist to send a pre-treatment estimate (pre-determination) to your insurer. It shows exactly what they’ll pay, including any downgrades or frequency limits.
Frequently asked questions
Why did my insurance pay less than expected?
Common reasons: the plan uses its own fee schedule, a “downgrade” (e.g., paying composite fillings at the amalgam rate), a waiting period, a frequency limit or a reached annual maximum.