Calculators
Dental Insurance Write-off Calculator
Calculate PPO write-offs from UCR and contracted fees, the write-off percentage and net production for a procedure mix.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Evaluating PPO participation
- Fee schedule negotiations
- Production reporting
- Practice valuation
About this tool
What the Dental Insurance Write-off Calculator does
In-network practices bill their usual fee but accept the plan’s contracted fee, writing off the difference. Comparing usual, customary and reasonable (UCR) fees with PPO fees across common procedures shows how much production a plan really pays, which informs decisions about staying in network.
Formula
- Gross = Σ count × your fee
- Net = Σ count × contracted fee
- Write-off % = (gross − net) ÷ gross
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Procedures per month | 5 entries |
| Result | Value |
|---|---|
| Monthly write-off | $32,400 |
| Write-off percentage | 35.9% |
| Gross production at your fees | $90,200 |
| Net production at PPO fees | $57,800 |
| Annual write-off | $388,800 |
How to read the result
Renegotiate PPO fees periodically, especially for high-volume procedures; small increases on exams and cleanings add up.
Model what would happen if some patients left after dropping a plan before deciding to go out of network.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
The difference between the practice's fee and the amount allowed by an insurance contract.
It varies widely by plan and region; 20% to 40% of gross production is common.
Often, especially for practices with strong patient demand or in underserved areas.
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