See what you pay for a treatment after the deductible and your share of the plan's eligible fee, plus the annual premium.
Use this calculator for a private or group dental plan, or for the CDCP co-payment. Enter the eligible amount the plan recognises, not necessarily the dentist's full bill: many plans reimburse up to a provincial fee guide amount (sometimes the previous year's guide), and the CDCP pays up to its own established fees.
Formula: your deductible = the lesser of the bill or the deductible; your share = (eligible cost − deductible) × your percentage; out-of-pocket = deductible + share; total = out-of-pocket + premium.
Worked example (illustrative): $4,500 of major work, $50 deductible, plan pays 50%. Your share = ($4,500 − $50) × 50% = $2,225; out-of-pocket = $2,275. The plan's share would be $2,225.
Check the annual maximum yourself: most dental plans cap what the plan pays per person per year (for example an illustrative $1,500). If the plan's share above ($2,225) exceeds that maximum, add the difference to your cost: $2,225 − $1,500 = $725 more, so you would pay $3,000. Also add any amount the dentist charges above the eligible fee.
CDCP: set the deductible to 0 and your share to 0%, 40% or 60% depending on your co-payment tier, then add any extra charges your provider has told you about. Implants are excluded under the CDCP, so the plan pays nothing for them.
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