Dental Plan ROI Calculator
Calculate whether a dental insurance plan is worth the premium based on your expected procedures and coverage levels.
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.
Inputs
Results
Net Savings (or Loss)
$320.00
≈ 6 tanks of gas
Return on Premium
67%
How to Use This Calculator
- Enter the monthly dental plan premium you would pay.
- Estimate your expected annual dental expenses (cleanings, X-rays, fillings, etc.).
- Enter the plan's annual maximum benefit and typical coverage percentages.
- Review the Net Annual Benefit to see whether the plan pays for itself.
- Adjust your expected expenses to model best- and worst-case scenarios.
How the result changes with Monthly Dental Premium
| Monthly Dental Premium | Net Savings (or Loss) | Return on Premium |
|---|---|---|
| $29.00 | $452.00 | 130% |
| $77.00 | -$124.00 | -13% |
| $134.00 | -$808.00 | -50% |
| $181.00 | -$1,372.00 | -63% |
What each input means
- Monthly Dental Premium
- Monthly premium for your dental insurance plan.
- Annual Maximum Benefit
- Maximum amount the plan pays per year. Most plans cap at $1,000-$2,000.
- Preventive Coverage
- Coverage rate for cleanings, exams, and X-rays. Usually 100%.
- Basic Procedure Coverage
- Coverage rate for fillings, extractions. Usually 70-80%.
- Major Procedure Coverage
- Coverage rate for crowns, bridges, dentures. Usually 50%.
- Planned Preventive Costs
- Expected cost of cleanings, exams, and X-rays this year.
- Planned Basic Procedure Costs
- Expected cost of fillings or other basic procedures.
- Planned Major Procedure Costs
- Expected cost of crowns, root canals, or other major work.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersMonthly Dental Premium = 40, Annual Maximum Benefit = 1500, Preventive Coverage = 100, Basic Procedure Coverage = 80 = 8 input(s) provided
- Calculate Net SavingsNet Savings320 = $320
- Calculate Return on PremiumReturn on Premium67 = 67%
- Calculate Insurance PaysInsurance Pays800 = $800
- Calculate Annual Premium CostAnnual Premium Cost480 = $480
Related Calculators
The questions that sit next to this one — chosen by subject, including calculators filed under a different category.
Health Plan Comparison Calculator
Compare total annual costs across Bronze, Silver, Gold, and Platinum health insurance plans based on your expected medical spending.
Health InsuranceOut-of-Pocket Maximum Calculator
Calculate your expected out-of-pocket costs based on planned medical procedures, deductible, coinsurance, and OOP maximum.
DentalDental 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.
Health InsuranceACA Subsidy Calculator
Estimate your Affordable Care Act premium tax credit based on household income and family size. Uses 2026 Federal Poverty Level guidelines and enhanced subsidy rates.
More in Insurance.