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Is it the patient or the dentist that is filing for insurance payment? A dentist that is in a network, is contractually required to file the discounted charge given to the patient. Any payment made from the insurer is governed by the terms of the insurance policy. If the policy indicates that the patient files a claim based on the charge and requires a copy of the billing to support the claim, then the patient is bound to report the fee charged, i.e. the discounted fee. If the patient (and/or the doctor) files a charge other than the actual charge, they could be engaged in fraud. Shorter answer not based on law but what is ethical--yes.

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Q: If a doctor give a patient a 20 percent discount do you have to file the discounted amount to insurance?
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