the typical out of pocket cost? I live in a big city

The other two answers are good: there are so many different plans and clauses in each plan, it's impossible to say what yours will cover.

But....typical dental insurance (if there IS such a thing) pays 80% of their "usual and customary" charges on oral surgery. If you have a deductible, it will apply as well.

So, in the above example, if your oral surgeon charges you $1000 and you have a $50 deductible you will pay 20% ($200) plus the deductible for a total out-of-pocket of $250. Of course, if your insurance company thinks $900 is "usual and customary", then it would pay 20% of that.

See why it gets complicated???

Ask the dental office to give you an estimate before doing the work. The most reliable way to know your costs before hand is to request a pre-authorization. It takes time, but if money is a concern, this is the best way to go.

Coverages from company to company vary soo much. Your dentist company can send it in to them prior to the service to find out exactly what it will cover and how much your portion of the bill is!

You need to contact your Dental Insurance Company for that question. I don't know the details of your coverage so It's hard to tell.