How to Tell Patients You’re No Longer Accepting Dental Insurance in California

July 08, 2025
Topics: Dental
Written by: Lisa Rasmussen

How Smart Practice Owners Are Ditching PPOs and Adding $500K+ in Recurring Revenue

Join our exclusive course and discover the proven strategies that practices use to add $10,000+ in monthly recurring revenue with patient membership plans. Dr. Evans took this course and now has over 800 members and $37,000/mo of predictable recurring revenue. Watch this webinar before we take it down in 24 hours.

This course normally sells for $297.

But right now, I’m giving you access for just $47.

That’s cheaper than a hygiene cleaning.

And it could be the most profitable $47 you ever spend.

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What You Will Learn:

- How to Build a Membership Plan That Pays You Monthly (Even While You Sleep!)

- Why PPOs Are Stealing Your Revenue—And How to Take Control of Your Profits

- The 3-Step System to Scale Recurring Revenue
(Even If You’ve Never Sold a Membership Plan Before!)

- The #1 Mistake Dentists Make When Dropping PPOs (And How to Avoid It!)

LIVE Case Study: How One Dentist Went from PPO-Dependent to $500K+/Year in Recurring Revenue With a Membership Program!

In dentistry today, PPOs are not your friend, they hurt your cash flow, demolish your profit margins, jeopardize your patient relationships & use A.I. to deny claims!!

If I had an employee or partner that messed up my business like that, I would FIRE them ASAP! 

$47. No fluff. Just results.

You in?

“We’re No Longer Accepting Dental Insurance”—and Why That’s the Best Damn Thing You’ll Ever Say in California

If the thought of telling patients you’re no longer accepting dental insurance makes you feel like you just lit a match in a fireworks store—good. That means you care. But also? It means you’re about to break free.

California dentists, this is your liberation letter.
Because staying in-network is like signing up to be underpaid, overworked, and micromanaged by people who don’t even floss.

But don’t just drop insurance—replace it with something better: a recurring revenue machine that gets your patients saying “yes” more and keeps your team out of the insurance hellscape.

Let’s build that letter. Let’s write the future.
Let’s talk about BoomCloud™, membership programs, MRR, ARR, and how one simple shift tripled revenue per patient.


STORY: The California Dentist Who Said Goodbye to PPOs—and Hello to Freedom

Meet Dr. Rachel, a practice owner in San Diego.

She was pulling 4-day clinical weeks but working 6-day stress levels.
Insurance write-offs were swallowing 32% of her production.
She had 2 full-time team members just to handle claims and appeals.

Then Delta dropped her reimbursement again.
That was the final straw.

She drafted a “no longer accepting dental insurance” letter, dropped 4 PPOs, and launched a BoomCloud™-powered membership program.

Within 10 months:

  • 550 active members

  • $27,500 Monthly Recurring Revenue (MRR)

  • $330,000 Annual Recurring Revenue (ARR)

  • Retention went UP

  • Treatment plan acceptance jumped from 42% → 88%

And the best part?
Patients stayed. Because her message was honest, strategic, and offered a better alternative.


THE LETTER: No Longer Accepting Insurance—California Style

Here’s a sample version of what you can send your patients:


Subject: Important Update from Dr. Rachel’s Smile Studio ✨

Hi [Patient First Name],

We want to thank you for trusting us with your care—our mission has always been simple: deliver amazing dentistry without compromise.

That’s why, starting [Date], our office will no longer be in-network with any dental insurance providers.

Why?
Because we believe your treatment decisions should be made between you and your dentist—not dictated by an insurance company in a cubicle.

But don’t worry—we’ve got your back.

We’re introducing the Smile Membership Plan, a simple monthly subscription that gives you:

✅ Free exams & cleanings
✅ Up to 20% off all services
✅ No deductibles, no claim forms, no waiting periods
✅ Instant savings & VIP care

It’s affordable, transparent, and built to help you say “yes” to the treatment you need—when you need it.

Learn More About the Plan Here

Let’s keep smiling together.

With gratitude,
Dr. Rachel + Team


Insurance Doesn’t Own You—Unless You Let It

Here’s the brutal truth:
Most dental practices are renting their patient relationships from insurance companies.

The moment you go out of network, you own your practice again.

Patients don’t leave when you drop insurance—they leave when they don’t understand what they’re getting instead.

That’s why pairing your “no longer accepting dental insurance” letter with a BoomCloud™ membership plan is non-negotiable.


DATA: Why Membership Patients Are Worth 2x–4x More

Metric PPO Patient Membership Patient
Avg Annual Spend $700–$900 $1,800–$2,400
Case Acceptance Rate ~40% 75%–90%
Retention (2-Year Avg) ~50% 85%+
Hassle Factor High Low
Predictable Monthly Revenue ❌ Nope ✅ Hell yes

And this isn’t hypothetical. BoomCloud™ gives you real-time dashboards for:

  • ✅ MRR (Monthly Recurring Revenue)

  • ✅ ARR (Annual Recurring Revenue)

  • ✅ Active Members

  • ✅ Failed Payment Recovery

  • ✅ Churn Analysis

Basically, it’s like giving your practice a CFO in your pocket.


How to Roll Out Your Membership Plan Like a Pro

Here’s your playbook

Step 1: Build a Simple Tiered Plan

Use BoomCloud™ to design:

Basic Plan – $35/mo

  • 2 cleanings

  • X-rays + exam

  • 10% off everything

Perio Plan – $58/mo

  • 3–4 cleanings

  • Custom discounts

  • Priority scheduling

Cosmetic Plan – $79/mo

  • Includes whitening

  • Exclusive perks

  • Quarterly promos


Step 2: Train Your Team to OWN the Conversation

Scripts > Guesswork.

  • “We’ve decided to go insurance-free so we can serve you better. But don’t worry—we created a membership plan that actually saves you more.”

  • “No claim delays, no limits. Just awesome care and instant savings.”

Use BoomCloud™’s training resources to onboard your team in < 2 hours.


Step 3: Market the Transition with Confidence

Here’s how to make your “no more insurance” message hit harder and convert:

  • Email campaign with the letter above

  • Printed mailers for patients who ghost digital stuff

  • Office signage: “We’ve gone insurance-free. Here’s why.”

  • Social posts & short videos explaining the change

  • QR code to join your membership on every checkout screen


CASE STUDY: Why California Is Ground Zero for Ditching Insurance

California has:

  • The highest practice overhead in the country

  • The lowest average PPO reimbursement rates

  • The most red tape (thanks, Delta Dental of CA)

Translation?
You have the most to gain by going insurance-free—and the most to lose by staying stuck.

Dr. Rachel didn’t just survive the transition…
She tripled her net income in 18 months.


FINAL TAKE: Don’t Just Write a Letter. Launch a Movement.

Dropping dental insurance in California is bold—but it’s not reckless when you’ve got a strategy.

Your letter isn’t just a goodbye to insurance.
It’s a love letter to freedom.

Pair it with a smart BoomCloud™ membership plan, and you’ll:

  • Boost loyalty

  • Increase revenue per patient

  • Build predictable income

  • Work less with fewer headaches

Stop letting PPOs write your practice story.
Start writing your own.


DOWNLOADS & NEXT STEPS:

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How Smart Practice Owners Attract, Retain & Create Recurring Revenue

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Membership Plans For Optometrists

vision-membership-plan-ebook Creating a patient membership plan is the smartest strategy to implement in your practice. You will increase patient satisfaction & loyalty, Increase predictable recurring revenue & increase sales!

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Say goodbye to PPOs and hello to a thriving, independent dental practice. Don’t miss out – your journey to financial freedom starts here!

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Jordon Comstock

Author Bio

Jordon Comstock is the Founder & CEO of BoomCloud™, a software that allows practice, clinic & spa owners to build, manage and scale a membership program. This helps practice & clinic owners to create recurring revenue & improve loyalty via membership programs. Jordon is passionate about Music, Hawaii, Healthcare businesses like: dentistry, optometry, med spas and massage spas. Schedule a demo of BoomCloud™ and learn how membership programs can improve your business. Here are more dental books to improve your practice

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