Real savings without insurance games —Dental Savings Plan
A dental savings plan is a membership between a patient and a dental practice: the patient pays a predictable monthly or annual amount and gets preventive care plus member pricing on treatment — no insurance company in the middle. This guide covers both sides: what patients should look for before joining, and how practices set up a plan that patients actually join.
- Predictable
- One set monthly or annual fee, no claims or denials
- Preventive included
- Cleanings, exams and x-rays typically covered
- Member pricing
- Discounted rates on additional treatment
For patients: how a savings plan helps you
For patients: what you get
You pay the practice directly — usually monthly or annually — and your cleanings, exams and x-rays are included. Additional treatment is billed at member rates, typically 10–20% below the practice's standard fees. There are no deductibles, waiting periods, annual maximums or claim denials.
For patients: who it fits
A savings plan makes the most sense if you don't have dental insurance, you're self-employed or retired, or your employer plan has a low annual maximum. If you need two cleanings a year and occasional treatment, the math usually beats paying list price.
For patients: what to check before joining
Ask what's included, what the member discount is on common procedures, whether there's a waiting period, how cancellation works, and whether the fee is monthly or annual. A good practice puts all of this in writing.
For practices: why offer one
For practices: why offer one
A savings plan turns uninsured patients into loyal, recurring-revenue members. Members visit more consistently, accept more treatment, and stay longer than fee-for-service patients — and the practice keeps the full membership fee instead of writing off PPO discounts.
For practices: structure it simply
One or two tiers is enough. A typical adult plan includes two cleanings, exams and x-rays plus a member discount on treatment. Price it from your actual fee schedule so the plan is profitable, not a loss leader.
For practices: automate the billing
Monthly dues need cards on file, automatic charges and automatic retries on declined payments. Manual billing is where most in-house plans quietly die.
Run your savings plan with BoomCloud™
BoomCloud™ is membership management and recurring billing software. Build your savings plan, enroll patients online, automate monthly payments, and track members and recurring revenue — all in one place, for a flat per-member fee.
Set up a dental savings plan in five steps
Define what's included
Start with preventive care: cleanings, exams, x-rays. Decide the member discount on additional treatment — commonly 10–20% off your standard fees.
Price from your fee schedule
Work from what an uninsured patient actually pays you in a year. The plan should be a clear win for the patient and still profitable for the practice.
Write the terms down
What's included, the discount, the billing cycle, cancellation rules. Clear terms prevent nearly every dispute later.
Enroll at the chair
The best moment is when an uninsured patient is looking at a treatment estimate. Fast tablet enrollment beats a follow-up phone call.
Automate billing and track retention
Recurring charges, failed-payment recovery, and a monthly check on active members and renewal rates. Recovered payments are retained members.
Practices That Got Off The Treadmill.
Select a practice to see how their membership revenue compounded month over month.
“We dropped two of our worst PPO contracts in year one. The membership plan replaced that revenue and then some — and we finally control our own fee schedule.”
- Members
- 612
- MRR
- $38.9K
- ARR
- $467K
- MRR Growth
- +284%
- Write-offs
- -$186K
Dental savings plan questions
- What is a dental savings plan?
- A membership offered directly by a dental practice: you pay a set monthly or annual fee, preventive care is included, and additional treatment is billed at discounted member rates. It is not insurance — there are no claims, deductibles or annual maximums.
- Is a dental savings plan worth it?
- For most uninsured patients, yes. If you get two cleanings and exams a year, the plan fee is usually less than paying list price — and the member discount saves more if you need treatment. Compare the plan fee against the practice's standard fees for the care you actually use.
- How is a dental savings plan different from dental insurance?
- Insurance involves premiums, deductibles, waiting periods, annual maximums and claim denials. A savings plan is a direct agreement with your dentist: one predictable fee, included preventive care, and member pricing on treatment — with no third party deciding what's covered.
- How much does a dental savings plan cost?
- It varies by practice, but most adult plans run roughly $25–$45 per month or a discounted annual amount. Family and child plans are usually priced separately. Ask the practice for its exact fees in writing.
- How does a dental practice start a savings plan?
- Define included services and the member discount, price from your fee schedule, write clear terms, enroll patients at the chair, and automate recurring billing. BoomCloud™ runs that recurring membership layer — enrollment, billing and failed-payment recovery — for a flat per-member fee.
- Where can I find a dentist that offers a savings plan?
- Search The Patient Marketplace (thepatientmarketplace.com) by your city, state or zip code. It lists practices near you that offer membership and savings plans — with included cleanings and exams, member pricing on treatment, and no insurance required.
Launch your dental savings plan.
Book a demo or start a free trial, set your plan tiers, and enroll your first members this week.
Own your revenue. Starting this month.
Launch a membership plan, enroll your uninsured patients, and watch recurring revenue land every month — no claims, no write-offs.
Free 30 days · Setup help included · Keep every member you enroll