How to Build a Dental Savings Plan for Small Practices

April 20, 2026
Written by: Keilani

How to Build a Dental Savings Plan for Small Practices

Let’s be honest.

If your small dental practice is still depending on PPOs to “feed” you patients… you’re basically letting insurance companies dictate your income. 😬

Margins shrink. Write-offs grow. And you work harder for less.

But what if you could:

That’s exactly why more dentists are asking how to build a dental savings plan for small practices — and why the smartest ones are winning.

Let’s break this down in the fun way. 🚀


The Hard Truth About Small Practices

Here’s the reality:

  • According to the ADA Health Policy Institute, nearly 40% of U.S. adults don’t have dental insurance.

  • Uninsured patients delay treatment.

  • Delayed treatment = lower case acceptance.

  • Lower case acceptance = stagnant growth.

Now add PPO write-offs averaging 30–45%.

You’re working like a savage… but your bank account isn’t impressed.

So what’s the move?

Stop renting patients from insurance companies.

Start owning the relationship.


What Is a Dental Savings Plan (And Why It’s Genius)?

A dental savings plan (also called an in-house membership plan) is a simple subscription model where patients pay a monthly or annual fee in exchange for preventive care and discounts.

Think Netflix. But for teeth. 🦷✨

Patients get:

  • 2 cleanings

  • Exams & X-rays

  • Emergency visits

  • 10–20% off treatment

You get:

And the best part?

Membership patients typically spend 2X–4X more per year than non-members.

Why? Because they come in. They trust you. And they say yes to treatment.

If you’re serious about scaling, optimizing revenue per patient is the cheat code.


How to Build a Dental Savings Plan for Small Practices (Step-by-Step)

Let’s get tactical. 💥

1. Design Simple, Profitable Tiers

Small practices don’t need complexity. Keep it clean.

Create 2–3 plans:

  • 👨‍👩‍👧 Adult Plan

  • 🧒 Child Plan

  • 👵 Perio Plan (if needed)

Example pricing structure:

  • $35–$45/month adult

  • $25–$35/month child

  • $50–$65/month perio

The math works because:

  • Preventive visits are already built into your schedule

  • You eliminate insurance write-offs

  • Treatment acceptance increases

Pro Tip: Price it so 2 visits + X-rays are covered, and profit comes from treatment.


2. Make It Subscription-Based (MRR Is King 👑)

One of the biggest mistakes small practices make?

Annual-only plans.

Stop doing that.

Monthly recurring revenue (MRR) creates a predictable cash flow.

Example:

200 members x $40/month = $8,000/month MRR
That’s $96,000/year ARR (Annual Recurring Revenue).

That’s before treatment.

Now imagine 500 members.

This is how you stabilize a small practice without adding more operatories.

Want a real blueprint? Check out the Dental Clinic Marketing Goals Guide.


3. Automate Everything (Manual = Miserable)

If you’re tracking memberships on spreadsheets…

Stop it. 😂

Use a platform like BoomCloud™ to:

  • Automate billing

  • Manage renewals

  • Track MRR & ARR

  • Send reminders

  • Promote upgrades

👉 Schedule a demo here: https://boomcloudapps.com/demo-schedule/

Automation = scale.

Without automation, you don’t have a program.
You have a headache.


4. Train Your Team to Sell It (Without Being Salesy)

This is where small practices drop the ball.

Your front desk should confidently say:

“Mrs. Jones, since you don’t have insurance, we have something better.”

Not:
“Uh… we have this membership thing if you want it.”

Big difference.

Train your team to:

  • Present it at checkout

  • Mention it during scheduling

  • Offer it before patients leave

When positioned correctly, conversion rates often hit 30–60% for uninsured patients.


Case Study: Small Practice → $42,000 MRR with BoomCloud™

Dr. Smith (name changed) had:

  • 1,800 active patients

  • 35% uninsured

  • Heavy PPO write-offs

They launched a membership plan using BoomCloud™.

Year 1 results:

  • 1,050 members

  • $40 average monthly fee

  • $42,000/month in MRR

  • $504,000 ARR

Here’s what changed:

✅ Case acceptance increased 28%
✅ Hygiene schedule filled 3 months out
Revenue per patient doubled

And the kicker?

They dropped 2 low-paying PPOs.

That’s power.

You can create your account here:
👉 https://boomcloudapps.com/


Why Membership Patients Spend 2X–4X More

This isn’t hype.

It’s behavioral economics.

When patients pay monthly:

  • They feel invested

  • They don’t want to “waste” benefits

  • They show up more consistently

  • They accept treatment earlier

According to research published on healthcare subscription models, subscription-based healthcare improves patient retention and compliance.

Additionally, Harvard Business Review has repeatedly shown that increasing customer retention by 5% can boost profits by 25–95%.

Membership plans = retention engine.

Retention = revenue.


Common Mistakes Small Practices Make

Let’s avoid self-sabotage. 🚫

❌ Pricing too low
❌ No automatic billing
❌ Overcomplicating plan structure
❌ Not promoting it on the website
❌ Not tracking KPIs

Instead, focus on:

If you want a deeper strategy, review the Six-Figure Membership Plan Course.


How to Market Your Dental Savings Plan

Building it isn’t enough.

You must promote it everywhere:

  • 🌐 Website homepage banner

  • 📱 Social media

  • 📧 Email campaigns

  • 📍 In-office signage

  • 💬 Text reminders

Create a dedicated landing page explaining:

  • Who it’s for

  • What’s included

  • How much does it costs

  • Why is it better than insurance

Make it simple. Clear beats clever.


The Shift That Changes Everything

Most small practices think growth means:

“Get more new patients.”

Wrong.

The fastest way to grow?

Increase revenue per existing patient.

Membership plans do exactly that.

Instead of chasing strangers…

You maximize the patients already sitting in your chairs.

It’s predictable.
It’s scalable.
It’s controllable.

Insurance companies hate it.
Your accountant loves it. 😎


FAQs About How to Build a Dental Savings Plan for Small Practices

Is a dental savings plan legal?

Yes. When structured correctly, it is NOT insurance. It’s a discount membership plan. Always check state regulations.

How many members do I need to make it worth it?

Even 100 members at $40/month = $4,000 MRR.

That covers a team member’s salary.

How long does it take to launch?

With software like BoomCloud™, you can launch in 30 days or less.

Will it hurt my PPO relationships?

No. It primarily targets uninsured patients. Over time, it gives you leverage to reduce PPO dependency.


Because Implementation Matters

If you’re serious about learning how to build a dental savings plan for small practices, here’s your next step:

📘 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™
https://boomcloudapps.com/demo-schedule/

🚀 Create Your BoomCloud™ Account
https://boomcloudapps.com/

My Top Podcasts

How Smart Practice Owners Attract, Retain & Create Recurring Revenue

Get the book that’s helping over 65,000  practices ditch insurance, boost cash flow, and create financial freedom with a patient membership program.

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!

Fire The PPOs!

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

Subscribe to Our Podcasts!

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

Calculate Your Potential

with BoomCloud™

Recurring Revenue Growth Calculator

Discover the revenue potential of your practice’s membership plans. This calculator helps you project growth by analyzing key factors like patient volume, plan pricing, and service utilization. See how implementing a custom plan can boost your bottom line.

Revenue Calculator

 PPO Loss Calculator – How Much are YOU Losing?

Calculate the hidden costs of relying on traditional PPO plans. Our PPO Loss Calculator reveals the revenue you could be missing out on and helps you strategize for greater profitability with a membership-based model.

PPO Loss Calculator