# dental coordination of benefits calculator

Answer: For dental COB estimates, calculate expected primary payment, secondary payment, deductible and annual-maximum effects, then treat the result as an estimate rather than a payment guarantee.

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Source markdown: [/tools/dental-coordination-of-benefits-calculator/index.html.md](https://dentovio.com/tools/dental-coordination-of-benefits-calculator/index.html.md)
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Answer intent ID: `dental-coordination-of-benefits-calculator`
Cluster: Practice operations and tools
Last verified: 2026-07-09
Reviewer: see source page

## Direct answer

For dental COB estimates, calculate expected primary payment, secondary payment, deductible and annual-maximum effects, then treat the result as an estimate rather than a payment guarantee.

## Query patterns

- dental coordination of benefits calculator
- dental secondary insurance calculator
- estimate patient portion with two dental plans

Source citations:
- `CA-HSC-1374.19` California Health & Safety Code section 1374.19. <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=HSC&sectionNum=1374.19.>
- `CA-INS-10120.2` California Insurance Code section 10120.2. <https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10120.2.>
- `ADA-COB` ADA Guidance on Coordination of Benefits. <https://www.ada.org/resources/practice/dental-insurance/ada-guidance-on-coordination-of-benefits>
- `NAIC-MO-120` NAIC Coordination of Benefits Model Regulation. <https://content.naic.org/sites/default/files/model-law-120.pdf>
- `DOL-ERISA` U.S. Department of Labor ERISA overview. <https://www.dol.gov/general/topic/health-plans/erisa>
- `CDA-COB` CDA Practice Support COB answers. <https://www.cda.org/newsroom/dental-benefits/questions-about-coordination-of-benefits-cda-practice-support-has-answers/>

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