🏦 Cost Estimators

Dental Insurance Calculator

Enter your dental plan details to estimate coverage for preventive, basic, and major procedures. Understand your remaining annual maximum, deductible status, and out-of-pocket costs before your appointment.

100/80/50 Plans Annual Maximum Deductible Tracking Per-Procedure Estimate PDF Export
Dental Insurance Calculator
Estimate coverage before your appointment
Your Plan Details
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Coverage Percentages

Most PPO plans follow a 100/80/50 structure. Check your plan's Summary of Benefits for exact percentages.

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Planned Procedures

Enter the fee your dentist quoted for each procedure. Leave at $0 if not applicable.

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🏦 Insurance Coverage Estimate

Remaining Benefit
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Available this year
Insurance Pays
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Estimated coverage
Your Out-of-Pocket
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Estimated cost to you
Annual Maximum Usage
Used: $0 Remaining: $1,500
Per-Procedure Breakdown
Disclaimer: These are estimates only. Actual coverage depends on your specific plan, network status, waiting periods, frequency limitations, and pre-existing condition clauses. Always verify with your insurance carrier before treatment. This calculator is not a guarantee of benefits.

How dental insurance actually works

Most employer-sponsored dental PPO plans follow a 100/80/50 structure. Preventive care (exams, cleanings, X-rays) is covered at 100%. Basic care (fillings, extractions, most root canals) is covered at 80% after the deductible. Major care (crowns, bridges) is covered at 50%. Orthodontics is often separate with a lifetime maximum.

The annual maximum - typically $1,000-$2,000 on most plans - is the total the insurer will pay per calendar year. Once hit, everything is out-of-pocket until January 1st resets it. Unused benefits don't roll over. If you're approaching year-end with remaining benefits, that's the time to schedule elective procedures like crowns or fillings that you've been delaying.

For a full breakdown of procedure costs, use our Treatment Cost Estimator. For copay and deductible-specific calculations, see our Copay and Deductible Calculator. For annual budget planning, our Annual Dental Budget Planner helps phase treatment across benefit years.

Frequently Asked Questions

The deductible is the amount you pay out-of-pocket before your insurance starts contributing to basic and major procedures. Most dental deductibles are $50-$100 per year per person. Preventive care is typically exempt from the deductible. Once you've paid the deductible for the year, your insurance covers its percentage share of remaining costs until you hit the annual maximum.
In most traditional dental PPO plans, no - unused benefits expire at the end of the plan year (typically December 31st). A few newer plans offer rollover benefits where a portion of unused maximum carries forward. Check your plan documents for rollover provisions. If you have remaining benefits in November or December, use them for preventive visits or schedule elective procedures before year-end.

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