Dental PPO plans cover preventive care, but patients absorb a significant share of costs for more common restorative procedures, according to data from DentalInsurance.com.
Here is how much patients pay out of pocket for four common procedures under a PPO plan:
- Fillings: 38%
- Crowns: 64%
- Root canals: 64%
- Dental implants: 57%
PPO plans also cap annual coverage through a maximum benefit, which averages $2,210 per year and ranges from $500 to $10,000.
The report analyzed 1,196 dental plans offered by 19 insurance companies — 94% of which were PPO plans — all from the 2026 plan year.
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