How to Build a Dental Savings Plan for Cash-Pay Patients (That Actually Scales)
Let’s talk about the biggest untapped opportunity in your practice.
Cash-pay patients.
There are over 68 million Americans without dental insurance. That’s not a niche. That’s a market.
If you’re wondering how to build a dental savings plan for cash-pay patients, here’s the truth:
This isn’t about offering discounts.
It’s about building:
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💳 Monthly Recurring Revenue (MRR)
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🔁 Retention
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💰 Higher revenue per patient
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🦷 Long-term loyalty
And when done correctly?
A dental savings plan becomes your bridge to predictable growth — and even fee-for-service freedom.
Let’s break it down.
🚀 Why Cash-Pay Patients Are Your Growth Lever
Most practices chase PPO volume.
But PPO patients often:
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Shop based on the network
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Leave when jobs change
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Limit treatment to annual maximums
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Create heavy write-offs
Cash-pay patients?
They’re loyal to value, not a logo.
If you give them:
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Transparent pricing
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Clear benefits
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Easy monthly payments
They stay.
And they spend more.
Practices using membership models report 2X–4X higher lifetime value per patient because members:
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Visit consistently
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Accept treatment more often
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Feel financially committed
Retention beats acquisition every time.
🦷 What Is a Dental Savings Plan?
A dental savings plan is:
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An in-house membership program
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Monthly or annual subscription
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Includes preventive care
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Offers discounts on additional treatment
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No insurance involvement
It’s simple.
No deductibles.
No annual maximums.
No claim denials.
And most importantly:
You control it.
🔥 How to Build a Dental Savings Plan for Cash-Pay Patients (Step-by-Step)
1️⃣ Start With the Core Offer
Keep it simple.
Typical structure:
Adult Plan ($39–$49/month)
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2 cleanings
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2 exams
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X-rays
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10–20% off additional treatment
Perio Plan ($59–$79/month)
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3–4 perio maintenance visits
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Exams
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X-rays
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10–20% off treatment
Child Plan ($29–$35/month)
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2 cleanings
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Exams
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X-rays
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Fluoride
The goal:
Make preventive care predictable.
When prevention is covered, treatment acceptance increases.
2️⃣ Price for Profit (Not Fear)
Here’s where dentists get nervous.
They underprice.
Your plan must:
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Cover the hygiene cost
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Account for overhead
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Maintain margin
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Encourage enrollment
Example:
If you enroll 400 members at $40/month:
= $16,000/month MRR
= $192,000/year ARR
That’s predictable revenue before restorative treatment.
Insurance companies built billion-dollar models on recurring revenue.
You can build six or seven figures the same way.
3️⃣ Automate Everything
Manual billing kills growth.
You need:
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Recurring monthly billing
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Auto-renewal
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Failed payment recovery
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Reporting (MRR, ARR, churn)
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Member tracking
This is where BoomCloud™ comes in.
BoomCloud™ automates:
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Membership billing
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Plan management
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Reporting dashboards
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Growth tracking
👉 Learn more at https://boomcloudapps.com
Automation turns your savings plan from a side project → scalable asset.
4️⃣ Train Your Team to Present It Confidently
Most membership plans fail because:
The team doesn’t talk about it.
Every uninsured call should hear:
“We have an in-house savings membership that saves most patients more than traditional insurance.”
Every hygiene visit should include:
“If you don’t have insurance, this is a great option.”
Top practices even bonus team members for new enrollments.
Alignment drives growth.
5️⃣ Market It Everywhere
If you build it but don’t promote it…
It dies.
Promote your dental savings plan:
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On your homepage
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On Google Business Profile
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On social media
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In email newsletters
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In-office signage
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During new patient calls
Patients search:
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“Dentist without insurance near me”
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“Affordable dentist near me”
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“Cash dentist options”
Your plan is the solution.
💥 Case Study: From PPO Pressure to Predictable MRR
Let’s call this practice “Summit Dental.”
Before:
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60% PPO dependent
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$250K in annual write-offs
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Inconsistent new patients
They built a dental savings plan for cash-pay patients and implemented BoomCloud™.
12 months later:
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480 active members
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$18,720/month MRR
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$224,640/year ARR
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33% increase in case acceptance
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Revenue per patient increased 2.6X
The epiphany?
They stopped renting patients from insurance companies.
They started owning the relationship.
📈 Why Membership Patients Spend More
Membership patients:
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Visit consistently
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Trust the practice
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Say yes to treatment
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Refer friends
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Stay longer
When patients feel invested, behavior changes.
They don’t ask:
“Is this covered?”
They ask:
“When can we schedule?”
That’s power.
🎯 Common Mistakes to Avoid
❌ Overcomplicating the plan
❌ Underpricing out of fear
❌ Manual billing
❌ No team training
❌ No marketing
❌ No tracking MRR
Track these monthly:
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Active members
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Monthly Recurring Revenue (MRR)
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Annual Recurring Revenue (ARR)
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Churn rate
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Revenue per member
What gets measured grows.
🧠 The Lightbulb Moment
Most dentists think:
“We need more new patients.”
But the smartest practices realize:
“We need predictable revenue and loyal patients.”
A dental savings plan for cash-pay patients gives you:
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Stability
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Retention
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Higher case acceptance
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Reduced PPO dependence
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Financial clarity
It’s not just a discount plan.
It’s a growth system.
❓ FAQs
How many members should a practice aim for?
Many successful practices target 300–500 members in the first 12–24 months.
Does this replace insurance?
No. It reduces dependence and creates an alternative for uninsured or insurance-frustrated patients.
Is it legal?
Yes, when structured properly as a membership savings plan (not insurance).
🚀 Ready to Build Your Dental Savings Plan?
Download the million-dollar membership plan ebook – https://boomcloud.myclickfunnels.com/million-dollar-book
Take The Six-Figure Patient Membership Plan Course – https://www.boomcloudapp.com/six-figure-membership-course
Schedule a Demo of BoomCloud™ & Learn how to manage & grow your membership plan – https://boomcloudapps.com/demo-schedule/
