They charge more to patients without insurance because that’s how big their margin actually should be in order for them to make a profit. They only bill your insurance $950 because your insurance functions like the mafia and has pre-negotiated pricing for procedures, and the dentist is pressured to take the discount and accept their insurance so that they can keep getting new patients. If they weren’t listed as an in-network provider then people would go elsewhere, even though the dentist is sweating accepting 30% less than they should be to run their business. The dentist is mad and needs more money, the patient is mad and needs more money, the insurance is fat and happy and doesn’t give a shit.