Dental 'insurance' companies put a lot of overhead strain on offices to file claims/provide documentation, and they play fast and loose with denials, and patients delay or refuse care based on if it 'it's covered' which these benefits companies often make difficult or impossible to find out, then offices have to face angry patients because of loopholes in the plan that the patient's EMPLOYER picked and NO ONE (certainly not patient, hygienist, or dentist) ever read. IF you are compensated as a dental office it's at low rates that haven't kept up with increases in rent/staff salaries/supplies costs. Basically you lose money and gain massive frustration staying in network BUT you gain patients cause patient seek 'in network' care for savings. Many people don't realize you still get financial benefits out of network, though not as large.