Insurance is only one of several financial tools available to pay for medical and dental services. There are other tools like CareCredit and health savings accounts. Healthcare is a unique service that does not operate like standard business models. Be aware that prices of services or product are set at cost of operating the business and rate of inflation as other businesses do. As labor cost go up, so do the cost of the services. However, the unique dental needs of each patient requires individual treatment that does not always fall within an insurance companies policies. That is when insurance companies may say that we, as doctors, overcharge for services. These insurance companies are attempting to make a profit for their shareholders. I try to keep fees as reasonable as possible to continue to operate for our community. Thank you..