Total Treatment
$6,270
Patient Responsibility
$2,964
Year-End Insurance Split
Save $856Phase 1 — December 2026
$3,700RCT #3
Post & core #3
Crown #3
Crown #19
Insurance coverage ($1,450 of $1,450 remaining)100%
Patient pays: $2,250
Phase 2 — January 2027
$2,570Crown #30
Composite #14
Bonding #8
New year benefit ($1,856 of $2,000 available)93%
Patient pays: $714
By splitting treatment across benefit years, the patient saves
$856
compared to paying everything in a single year