Making dental insurers show your exact costs before treatment

Dental plan portal.

Introduced· 2026-02-17

Who's it for

Who's it for: Everyday People

What it means for you

8/10Helps you

Good for everyday people ·

Plain‑English summary, cross‑checked against the official bill text.

This bill forces dental insurance companies to create a free online tool so your dentist can tell you exactly what you will owe before you get any work done.

Our take

What we think, in plain words.

Nobody likes getting a surprise bill weeks after a trip to the dentist. Right now, it can be a guessing game to figure out what your insurance will actually pay for a filling or a crown. This bill fixes that by forcing dental insurers to build a round-the-clock online portal. Dentists will be able to look up your exact coverage, see your remaining annual limit, and tell you your out-of-pocket costs right then and there. It takes the blindfold off patients and holds insurance companies accountable for their coverage promises.

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The facts

What the bill actually says, no spin.

Requires dental insurers to build a free online portal for dentists.
Forces insurers to show exact out-of-pocket cost estimates for specific procedures.
Makes insurers list your deductibles, waiting periods, and remaining annual maximums.
Allows dentists to submit claims and X-rays electronically through the system.
Punishes insurance companies that refuse to follow the new rules.