Dental Insurance Cost Calculator — See Your Out-of-Pocket by State
A free dental insurance cost estimator for every U.S. state. Pick your plan and expected procedures to see your out-of-pocket total with insurance — and what it costs without it.
Estimate your out-of-pocket cost
Your estimate appears here
Pick your state and expected procedures above, then tap Calculate to see your out-of-pocket with and without insurance.
Popular states
Jump to typical premiums, deductibles, and waiting periods for the most-searched states.
How the estimate works
Most U.S. dental plans use the standard 100-80-50 coverage model. We apply it with your state-typical premium, deductible, and annual maximum so the number reflects a real market plan, not a generic guess.
Preventive — 100%
Cleanings, exams, and X-rays are usually covered in full and do not count toward your deductible.
Basic — 80%
Fillings and simple extractions. You pay the deductible first, then 20% of the cost.
Major — 50%
Crowns, root canals, and implants. You pay the deductible first, then 50%, up to the annual maximum.
Coverage percentages follow the standard 100-80-50 dental model (NAIC dental model act + Delta Dental public plan summaries). Procedure prices are national averages from the ADA 2024 Survey of Dental Fees and FAIR Health 2025. Your plan may differ — confirm with your insurer.
Guides & tools
Deeper reads that explain what each number really means.
Typical procedure costs used
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, simple extractions), and 50% of major work (crowns, root canals, implants). 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 total higher than the premium alone?
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 to $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.