What determines the cost of dentistry?  The full fee is the fee for a service that reflects the cost of providing the procedure and the value of the dentist’s professional judgement.  Insurances typically set fees at 70-80% of what the average dentist submits as their fee for a given procedure.  Dentists hope to make up for the shortfall of 20-30% with volume of patients coming to the preferred provider accepting that paticular insurance.   Patients are more likely to come to the dentist when they have insurance.