Dental Insurance Cost Calculator in Connecticut
Estimate your out-of-pocket dental costs in Connecticut — enter your plan and expected procedures for a free yearly total.
Runs entirely in your browser — your premium, deductible, and procedure inputs never leave this pageTry: Monthly premium=58, Annual deductible=150, Annual maximum benefit=2000, Cleanings per year=2, Fillings expected=1, Crowns expected=0, Root canals expected=0, Extractions expected=0, Implants expected=0 → $696, $600, $300, $120, $0, $420, $876, $600, $-276
How to use
Enter your monthly premium, annual deductible, and annual maximum, then estimate how many of each procedure you expect this year. The calculator applies the standard 100-80-50 coverage model (100% preventive, 80% basic, 50% major), subtracts the deductible, and caps insurer payments at the annual maximum.
Connecticut plans frequently quote a $150 deductible and a $2,000 annual maximum on mid-tier PPO products.
All calculations happen in your browser. Results are estimates — your actual plan may use different coinsurance tiers, waiting periods, or in-network pricing. Confirm with your insurer before treatment.
FAQ
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.