Dental Insurance Cost Calculator by State
Free dental insurance cost estimator for every US state — enter your plan and expected procedures to see your out-of-pocket total.
Select your state to open its dental insurance cost calculator, or scroll the grid below. Every state page uses the same 100-80-50 coverage model with state-typical premiums, deductibles, and annual maximums.
All 50 states
How the estimate works
- Enter your plan numbers — monthly premium, annual deductible, annual maximum.
- List your expected procedures — cleanings, fillings, crowns, root canals, extractions, implants.
- See your out-of-pocket total — premiums plus coinsurance after the deductible, capped at the annual maximum.
- Compare with and without insurance — the result shows what you would pay without coverage.
Typical procedure costs used
| Procedure | Typical cost | Typical coverage |
|---|---|---|
| Routine cleaning | $150 | 100% (preventive) |
| Filling | $300 | 80% (basic) |
| Extraction | $300 | 80% (basic) |
| Crown | $1,200 | 50% (major) |
| Root canal | $1,000 | 50% (major) |
| Implant | $4,000 | 50% (major) |
Cost figures are national averages for estimate purposes only and vary by office and region. Coverage percentages follow the standard 100-80-50 dental model; your plan may differ.
Frequently Asked Questions
How does dental insurance work?
Most plans follow a 100-80-50 model: 100% of preventive care (cleanings, exams), 80% of basic work (fillings, extractions), and 50% of major work (crowns, root canals). You pay the annual deductible first, then your coinsurance share, up to the annual maximum.
What is the difference between a deductible and coinsurance?
The deductible is the fixed amount you pay each year before insurance shares costs. Coinsurance is your percentage share after the deductible — for example, you pay 20% of basic procedures.
Why is my result higher than the premium alone?
Because the calculator adds your full out-of-pocket cost: annual premiums plus any deductible, coinsurance, and costs above the annual maximum. Most people pay both, not just the premium.
Are braces covered by dental insurance?
Orthodontics is usually a separate rider with its own lifetime maximum (often $1,000–$2,500). The 100-80-50 model above does not include orthodontic benefits.
What happens if my procedures exceed the annual maximum?
Once the insurer has paid the annual maximum, you pay 100% of remaining costs. This calculator includes that cap so the estimate stays realistic.