How does insurance shrink the money available for dental treatment? Think of insurance as a pool of free money that used to help patients say yes, and that pool has been draining for years. Maximums have barely moved while costs climbed, so each plan buys less real treatment than it did a decade ago. On top of that the carriers fight you harder on claims than they ever used to, clawing back and denying wherever they can. So you get hit twice. The patient's own disposable income is down, and the insurance cushion that once filled the gap is thinner and [...]