Part 2: The Role of Insurance Companies in Corrupting Dentistry

How Insurance Compliance and Price Fixing Fuel Bad Dentistry:
Corporate dental chains, largely run by non-dentists, are rewarded for one thing: compliance. As long as they follow insurance company rules, they keep getting patients—while reimbursements keep dropping. Lower payouts mean higher profits for insurers, but worse care for patients. It’s a race to the bottom. Like the auto industry—when you can’t build a car profitably, you start selling bicycles. In dentistry, that means cutting quality, upselling unnecessary work, and replacing skilled care with volume-based assembly-line treatment.
Dental insurance Network market control:
Insurance companies set artificially low UCR (Usual, Customary, and Reasonable) fees, particularly in areas with heavy DSO contracted network presence. This strategic suppression of reimbursement rates discourages independent providers and rewards high-volume chains. It’s price fixing in all but name.
- According to a 2021 report by the American Dental Association Health Policy Institute, insurance reimbursement rates have declined by an average of 5% over the past decade in markets dominated by DSOs.
Dentist employed by insurance companies to fight other dentist claims:
To make matters worse, insurance companies employ their own dentists—not to treat patients, but to review and deny claims. Even the most legitimate, well-documented treatments can be downgraded or denied by reviewers who have never seen the patient. This system is designed not to reimburse, but to delay and discourage treatment, pushing patients back into the contracted network of "preferred providers-chain-corporate-DSO" who accept low fees in exchange for volume.
Finding a way to do a $10 job for .25 cents is not possible!!!
- The National Association of Dental Plans (NADP) highlights that over 60% of dental plans restrict patient choice by limiting in-network providers.
Quality Dentistry Takes Time — But DSO/ franchise Quotas and High Volume Don’t Mix:
Good dentistry takes time, skill, and attention to detail. Unfortunately, under the high quotas and volume demands of most dental franchises and DSOs, these two essentials are often at odds.
There comes a point where the “product” simply can’t be made within the cost constraints which we are rapidly approaching with this mode of opertaion. It’s like trying to manufacture a quality car on a motorcycle budget.
So what is the “motorcycle market” for dentistry? It’s a one-size-fits-all approach, often driven by insurance agreements, referral kickbacks, and profit margins benefiting the DSO rather than patient well-being.
- The National Association of Dental Plans (NADP) highlights that over 60% of dental plans restrict patient choice by limiting in-network providers.
Don’t let insurance -corporate DSO limitations dictate your dental care. This is why independent dentists who control their materials, labs, and treatment decisions provide care that is more thorough, tailored, and trustworthy.
Contact us to learn how we offer transparent quality care without compromise.
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