Dental Insurance Write-Off Calculator

A dental practice billing $1.1 million in gross production and collecting $820,000 has written off $280,000, about 25.5% of everything it produced. That write-off figure is not a rounding error. It is the direct cost of insurance participation, and most dentists do not track it precisely enough to understand which contracts are worth renewing. The American Dental Association has documented steady fee compression from major PPO networks over the past decade, with some plan fees 20 to 40% below the dentist's usual and customary rate. This calculator takes your gross production, the contracted fee schedules or write-off percentages for each insurance plan, and returns your total write-off amount and effective net collection rate so you can evaluate individual plan profitability and make data-driven contract decisions.

This calculator takes your gross production and your contracted fee reductions (by insurance plan or as a blended percentage) for a given period, then returns the total write-off dollar amount, the write-off percentage, and your net collectible production after adjustments. It helps you understand what portion of your billed production you are giving back to insurance plans, compare write-off rates by carrier, and identify contracts where the fee schedule has eroded to the point that participation may no longer be profitable.