Cost Estimator

Know your cost before you call.

Most PPO plans cover endodontic treatment even when you visit an out-of-network provider. Here's how to estimate what you'll actually pay out of pocket — in under 60 seconds.

Estimate your costs

Check your insurance card or call your benefits line.

60%
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Most PPO plans cover 50–80% of out-of-network procedures. If you're unsure, 60% is a reasonable starting estimate.

Your estimate will appear here

Select a procedure and insurance type above to see your estimated cost breakdown.

Out-of-network billing is simpler than you think.

You may be surprised to learn that most dental insurance plans — even PPO plans — allow you to see any licensed dentist, including specialists. Here's how the reimbursement process works.

Step 1

You receive treatment.

You visit us for your root canal or other endodontic procedure. We provide the same high-quality care we'd provide to any patient.

Step 2

We file your claim.

After your visit, we submit a claim directly to your insurance on your behalf. We handle the paperwork — you don't need to do anything.

Step 3

Your insurer reimburses you directly.

Your insurance company sends payment directly to you — not to us. We can provide any documentation your plan requires.

Insurance terms simplified.

Understanding a few key concepts helps you know what questions to ask your insurance company.

Usual & Customary Fees (UCR)

Insurance companies maintain a fee schedule for each geographic region. If our fees exceed your plan's UCR, you'll be responsible for the difference. This gap exists with all out-of-network providers, not just specialists.

Annual Maximum

Most dental plans cap the total amount they'll pay per year (typically $1,000–$2,000). If you've already used some of that maximum on other treatment this year, less is available for your root canal. Call your benefits line to check your remaining balance.

PPO vs. HMO

PPO plans offer the most flexibility for out-of-network care. HMO/DMO plans typically cover only in-network providers and offer limited or no reimbursement for out-of-network visits. If you have an HMO, we can discuss your options during your consultation.

Pre-Authorization

Some insurance plans allow pre-authorization for specialty procedures. We can submit a pre-treatment estimate to your insurance before your appointment — giving you a firm number to budget around. Ask us about this at your consultation.

What is a superbill?

A superbill is the detailed receipt and procedure record your insurance company needs to reimburse you. Here's what to expect.

After your visit

We provide a complete superbill with procedure codes, diagnosis codes, and our National Provider ID — everything needed for your insurer.

Submit to your insurer

Upload the superbill through your insurance portal, mail it in, or call their member services line — they guide you on the fastest method.

Reimbursement arrives

Most insurers send payment directly to you within 2–4 weeks. The check is yours — you pay us for treatment, then get reimbursed for the covered portion.

We can help

If your plan allows pre-authorization, we can submit a pre-treatment estimate before your visit — so you know the exact reimbursement before committing.

Want an exact number?

The estimator gives you a reasonable starting point. For a definitive figure, call us with your insurance information ready — we'll verify your exact benefits and tell you exactly what you'll owe.

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