Dental Savings Plan vs Insurance Calculator
Compare the total annual cost of dental insurance vs a dental savings/discount plan based on your expected dental spending.
Medical Disclaimer
This calculator is for informational and educational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider before making decisions about your health. Never disregard professional medical advice or delay seeking it because of results from this tool.
Insurance Total Annual Cost
$720
Discount Plan Total Annual Cost
$850
Recommendation (1=Insurance, 2=Discount)
1
Inputs
Comparison
Insurance Net Benefit
$280
Discount Plan Savings
$300
Insurance vs Discount Plan Cost Comparison ($)
How to Use This Calculator
- Enter your Insurance Premium ($/month) — your monthly dental insurance premium cost.
- Enter the Insurance Annual Deductible ($) and Insurance Annual Maximum ($) from your plan documents.
- Enter the Coinsurance Rate (%) — the share your insurance pays after the deductible (e.g., 80%).
- Enter the Discount Plan Annual Fee ($) and Discount Plan Rate (%) for any savings plan you are considering.
- Enter your Expected Annual Dental Spending ($) based on planned procedures.
- Review Insurance Total Annual Cost vs Discount Plan Total Annual Cost, and check the Recommendation (1 = Insurance, 2 = Discount) to see which plan saves you money.
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