Coinsurance in dental insurance is the percentage of the cost of a service that the patient is responsible for after the deductible is met. Common coinsurance levels vary by service type: preventive care might have low or no coinsurance (e.g., 0-20%), basic procedures might have moderate coinsurance (e.g., 20-50%), and major procedures typically have the highest coinsurance (e.g., 50-80%). These percentages can differ significantly between plans.
The most popular coinsurance levels for preventive, basic, and major are 100-80-50.