Free patient tools
Estimate dental plan payment and patient responsibility using an allowed amount, deductible, coverage percentage, and annual benefit remaining.
Estimated insurance payment
$575
Estimated patient responsibility
$625
Annual benefit remaining afterward
$325
This is arithmetic, not a coverage determination. Plan exclusions, waiting periods, frequency limits, downgrades, and coordination of benefits can change the final amount.
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Using the estimate
The dental insurance calculator estimates how an allowed amount may be divided between a plan and a patient. It applies the remaining deductible, the entered coverage percentage, and the remaining annual benefit in that order. The result is a planning estimate because the insurer makes the actual benefit determination.
Step-by-step guide
Step 1
The calculator subtracts the remaining deductible from the allowed amount. If the deductible is larger than the allowed amount, the estimated plan payment is zero for that service.
Step 2
The entered coverage percentage applies to the amount left after the deductible. For an allowed amount of $1,000 with a $50 deductible and 50% coverage, the preliminary plan share is $475.
Step 3
The plan estimate cannot exceed the remaining annual benefit entered. A calculation of $475 becomes $300 when only $300 of annual benefit remains.
Common questions
