The insurance companies use a term "Usual, Customary, and Reasonable" or "UCR". We really don't know how they come up with fees, but one thing is for sure they don't adjust these fees for rates of inflation or new technology. There are some insurance companies that haven't adjusted their fees in many years, which explains why they haven't raised their annual benefit in 40 years either. Our fees reflect the time, technology and experience necessary to provide quality dental care in the 21st century. Unfortunately, we are unable to provide high level dental care at fees determined by many dental insurance companies.