Here's what your insurance covers in plain English. These are estimates — your dentist's office will verify your exact benefits before treatment.
{/* Summary cards */}
{cards.map(c => (
{c.label}
{c.value}
{c.sub &&
{c.sub}
}
))}
{/* Coverage breakdown */}
What's covered
{benefits.map((b, i) => {
const pct = b.coverage_pct;
const color = CAT_COLOR[b.category] || '#8b9aa7';
return (
{b.category}
=70?color:'#e8b339'}}>
{pct !== null && pct !== undefined ? `${pct}% covered` : 'Check plan'}
{pct !== null && pct !== undefined && (
)}
{b.services}
{b.notes &&
{b.notes}
}
{b.patient_copay && (
Your share: {b.patient_copay}
)}
);
})}
{/* Important notices */}
{(ins.waiting_periods || ins.missing_teeth_clause || ins.frequency_limitations || ins.prior_auth_required) && (
{ins.waiting_periods && (
Waiting periods: {ins.waiting_periods}
)}
{ins.frequency_limitations && (
Frequency limits: {ins.frequency_limitations}
)}
{ins.missing_teeth_clause && (
Missing teeth clause: Teeth missing before your coverage started may not be covered for replacement.
)}
{ins.prior_auth_required && (
Pre-authorization needed for: {ins.prior_auth_required}
)}
)}
{/* Contact */}
{(ins.phone_member || ins.phone_provider || ins.website) && (
Contact your insurer
{ins.phone_member &&
Member services: {ins.phone_member}
}
{ins.phone_provider &&
Provider services: {ins.phone_provider}
}
{ins.website &&
{ins.website}
}
)}
{ins.confidence === 'low' && (
{window.FlatIcon && React.createElement(window.FlatIcon, { name: 'info', size: 14, color: '#8b9aa7', style: { marginRight: 6, verticalAlign: 'middle' } })}
These are estimates based on typical plan structures. Your office will verify exact benefits via insurance eligibility check before treatment.
)}
);
}
// ─────────────────────────────────────────────────────────────────────────────
// OFFICE STAFF VIEW — pricing breakdown per procedure
// ─────────────────────────────────────────────────────────────────────────────
function OfficePricingBreakdown({ insurance }) {
const [deductibleUsed, setDeductibleUsed] = useIA(0);
const [annualUsed, setAnnualUsed] = useIA(0);
const [filter, setFilter] = useIA('All');
const ins = insurance || {};
// Parse annual max as number
const annualMax = parseInt((ins.annual_maximum || '').replace(/[^0-9]/g,'')) || 1500;
const dedAmt = parseInt((ins.deductible_individual || '').replace(/[^0-9]/g,'')) || 50;
const dedRemain = Math.max(0, dedAmt - deductibleUsed);
const maxRemain = Math.max(0, annualMax - annualUsed);
const categories = ['All', 'Preventive', 'Basic', 'Major', 'Periodontics', 'Implants', 'Orthodontics'];
const filtered = filter === 'All' ? PROCEDURES : PROCEDURES.filter(p => p.category === filter);
return (
Estimated patient cost based on scanned benefits. Adjust deductible and annual maximum usage below to get accurate quotes.
{/* Insurance header bar */}
CARRIER
{ins.carrier || '—'}
PLAN TYPE
{ins.plan_type || '—'}
MEMBER ID
{ins.member_id || '—'}
GROUP ID
{ins.group_id || '—'}
{ins.network_name && (
NETWORK
{ins.network_name}
)}
{/* Adjustable usage sliders */}
Adjust benefit usage for this patient
Annual max used: ${annualUsed} / ${annualMax}
setAnnualUsed(+e.target.value)}
style={{width:'100%',accentColor:'var(--acc,#27c1a3)',marginTop:6}}/>
=annualMax?'#e5654f':'#27c1a3',borderRadius:3}}/>
=annualMax?'#e5654f':'#8b9aa7',marginTop:2,display:'flex',alignItems:'center',gap:4}}>
{annualUsed >= annualMax
? <>{React.createElement(Fi, { name: 'alert', size: 12, color: '#e5654f' })} Annual max reached — patient pays 100%
: `$${maxRemain} remaining`}
{/* Category filter */}
{categories.map(c => (
setFilter(c)}
style={{padding:'4px 10px',borderRadius:20,border:'none',cursor:'pointer',fontSize:11,fontWeight:600,
background: filter===c ? (CAT_COLOR[c]||'#27c1a3') : '#1f2b36',
color: filter===c ? '#fff' : '#8b9aa7'}}>
{c}
))}
{/* Procedure pricing table */}
Procedure Fee Insurance Patient owes Status
{filtered.map((proc, i) => {
const cov = getCoverage(ins, proc.category);
const pct = cov?.coverage_pct ?? null;
const maxExhausted = annualUsed >= annualMax;
const effectivePct = maxExhausted ? 0 : pct;
const { insurancePays, patientPays, deductibleApplied } = calcPatientCost(proc.fee, effectivePct, dedRemain);
const color = CAT_COLOR[proc.category] || '#8b9aa7';
return (
{proc.name}
{proc.cdt} · {proc.category}
${proc.fee.toLocaleString()}
{pct === null ? '—' : maxExhausted ? '$0' : `$${insurancePays.toLocaleString()}`}
proc.fee*0.6 ? '#e5654f' : patientPays > proc.fee*0.3 ? '#e8b339' : '#3fb96b',fontWeight:700}}>
{maxExhausted ? `$${proc.fee.toLocaleString()}` : `$${patientPays.toLocaleString()}`}
{pct === null ? Verify
: pct === 100 ? Max reached
: deductibleApplied > 0 ? Ded. applies
: {pct}% covered }
);
})}
{/* Notices */}
Pre-authorization: Waiting periods: {ins.waiting_periods}Out-of-network: {ins.out_of_network}Disclaimer: Estimates only. Verify benefits via eligibility check (270/271) before quoting patients. Patient is responsible for final balance.
);
}
// ─────────────────────────────────────────────────────────────────────────────
// MAIN EXPORT
// ─────────────────────────────────────────────────────────────────────────────
function InsuranceAnalyzer({ insurance, defaultMode = 'patient' }) {
const [mode, setMode] = useIA(defaultMode);
if (!insurance) {
return (
Scan or enter insurance details above to see the coverage analyzer.
);
}
return (
{/* Mode switcher */}
{[['patient','user','Patient Explainer'],['office','building','Office Pricing Breakdown']].map(([k,icon,label]) => (
setMode(k)}
style={{flex:1,padding:'8px 12px',borderRadius:7,border:'none',cursor:'pointer',fontSize:12,fontWeight:700,
background: mode===k ? '#27c1a3' : 'transparent',
color: mode===k ? '#0b1116' : '#8b9aa7',display:'flex',alignItems:'center',justifyContent:'center',gap:6}}>
))}
{mode === 'patient' &&
}
{mode === 'office' && }
);
}
window.InsuranceAnalyzer = InsuranceAnalyzer;
window.PatientExplainer = PatientExplainer;
window.OfficePricingBreakdown = OfficePricingBreakdown;