Is it legal for a patient to drop their insurance for major treatment? It can be, and it's a legitimate option when your state hasn't fixed the maximum-benefit problem for you. The patient temporarily drops their plan, and you do the major treatment at or near your full fee instead of the contracted rate. But this only works on the back of an honest conversation. You tell them plainly, I can't afford to rebuild you under what the insurance reimburses, and you offer a discount off your full fee to make it worth their while. The real issue is the loss [...]