CoverCapy rating
CoverCapy's 0 to 100 score for every plan, built from coverage breadth, cost, and real patient data.
What is the CoverCapy rating?
The CoverCapy rating is a 0-to-100 composite score computed for each dental plan and dentist profile on the platform, synthesizing four weighted factors: coverage breadth (what CDT codes are covered and at what coinsurance), annual maximum relative to premium, waiting period structure (shorter waits score higher), and verified patient review quality. The rating is designed to let patients compare plans beyond the surface-level sticker price, a $25/month plan with a 12-month major wait and a $1,000 max may score lower than a $38/month plan with a 6-month wait and a $1,500 max, even though the cheap plan's marketing appears more attractive.
How it works
CoverCapy's scoring algorithm weights each factor by its impact on patient out-of-pocket costs in a typical dental care scenario. Coverage breadth is assessed against a standard care basket (two cleanings, one set of X-rays, one filling, one crown per 5 years). Annual maximum is compared to average plan-year utilization. Waiting periods are penalized using a cost-of-delay model (months of delayed care times estimated procedure cost). Review quality draws from verified appointment-based ratings on the CoverCapy platform.
| Factor | What it measures | Higher score when |
|---|---|---|
| Coverage breadth | CDT codes covered and at what coinsurance | More services, lower patient share |
| Annual maximum vs. premium | Yearly cap relative to what you pay | Higher cap per premium dollar |
| Waiting period structure | Months before each tier activates | Shorter or no waits |
| Verified review quality | Appointment-based patient ratings | More high, verified reviews |
Plan A: $22/month, $1,000 max, 12-month major wait, 80/50 coinsurance. CoverCapy score: 61. Plan B: $36/month, $1,500 max, 6-month basic / 12-month major wait, 80/50 coinsurance. CoverCapy score: 74. Plan B scores higher despite costing $14/month more because the higher annual maximum and shorter basic waiting period produce better expected outcomes for a patient who uses their benefits.
What to watch out for
- The CoverCapy rating is a comparative tool, not a guarantee of plan performance. Individual situations, your specific dental needs, location, preferred dentist's network participation, may cause the right plan for you to differ from the highest-rated plan.
- Ratings are recalculated as plan benefits, premiums, and review data update. A plan's score may change at annual renewal. Re-verify your plan's rating when shopping each year.
Frequently asked questions about the CoverCapy rating
Dentist profiles on CoverCapy are scored using weighted averages of verified patient reviews (appointment-based, not self-reported), responsiveness to PPO eligibility verification requests, membership tier (Capy Accredited and Platinum Elite offices meet higher clinical standards), and breadth of PPO network participation.
No. CoverCapy is an independent dental concierge platform. Carrier listings and ratings are based on CoverCapy's own analysis and patient data, no carrier pays for a higher score or position in search results.
Yes. The rating reflects aggregate data. A newer practice with fewer reviews may score lower despite excellent care. Use the rating as a starting point, then verify: Is the dentist in-network for your PPO? Do they accept your carrier? Are they accepting new patients? Schedule a new patient exam to assess fit personally.
CoverCapy reviews are tied to confirmed appointments made or verified through the platform. This reduces fraudulent reviews compared to self-nomination review sites. Verified reviewers must have completed an appointment at the practice within the prior 24 months to submit a rating.
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