Institutional-grade oral health analyzer. Calculate 2026 PPO premiums, 100/80/50 coverage tiers, and procedure-specific cost audits with actuarial precision.
Monthly premium variations by jurisdiction.
| Jurisdiction | Avg Rate |
|---|---|
| AK PPO High | $50.12 |
| WV PPO High | $18.45 |
| CA PPO High | $27.50 |
| NY PPO High | $42.30 |
| TX PPO High | $34.15 |
Institutional rates for uninsured work.
Standard PPO coverage tiers.
| Tier | Coverage | Procedure Examples |
|---|---|---|
| Preventive Care | 100% | Routine Cleaning... |
| Basic Restorative | 80% | Fillings... |
| Major Restorative | 50% | Crowns... |
Modern dental insurance in 2026 is no longer just a cleaning benefit. It is a complex financial hedge against high-cost procedures like implants (avg. $4,500) and root canals.
Major restorative work typically requires a 6-month wait or 'evidence of prior coverage' to wave the period in S-Class PPO tiers.
Maximum flexibility; in/out of network coverage.
Lower premiums; network dentists only; co-pay based.
Any dentist; highest monthly premium; fee-for-service.
Not insurance; direct discounts on procedures.
Cross-referenced health and protection audit engines.