Transparent calculator methodology
Estimate whether a second dental plan pays for itself
Dual dental coverage does not mean both plans pay the full bill. The primary plan processes the claim first, then the secondary plan applies its own allowable fee, deductible, annual maximum, and coordination method. This tool keeps that sequence visible.
What the estimate includes
- Incremental payroll premium for each available dental plan
- Preventive, basic, major, and orthodontic benefits
- Per-person deductibles and annual or orthodontic maximums
- Traditional, nonduplication, maintenance-of-benefits, and unknown coordination scenarios
How the comparison works
Each expected procedure is priced under Plan A alone, Plan B alone, and both possible dual-plan orders. The secondary estimate is limited by its coordination method, remaining plan maximum, and the patient balance. Annual premiums are then added to the estimated patient share to compare total household cost.
Important limitation
Actual allowed fees, network adjustments, frequency limits, waiting periods, missing-tooth clauses, and claim order can change the result. Confirm the coordination method in both plan documents and request a pretreatment estimate for material dental work.