In-House Dental Membership Plan: The Freedom Model for Modern Dental Practices

February 17, 2026
Written by: Jordon Comstock

In-House Dental Membership Plan: The Freedom Model for Modern Dental Practices

Let’s be honest.

If you’re reading this, you’re probably tired of watching insurance companies control your fees, crush your margins, and dictate how you practice dentistry.

You’re working harder than ever… and somehow keeping less.

An in-house dental membership plan might be the most powerful move you can make to take back control of your practice — without burning it down in the process.

Let’s break it down.


🪝 The Problem: PPOs Are Quietly Killing Your Profit

Here’s what most dentists are feeling right now:

  • Reimbursements haven’t meaningfully increased in decades

  • Overhead keeps rising (wages, supplies, inflation)

  • Write-offs eat 30–60% of production

  • You’re running from op to op just to maintain margins

That’s not a growth model.

That’s survival mode.

And survival mode leads to burnout.

The truth?

You don’t need more patients.

You need better revenue per patient.


💡 What Is an In-House Dental Membership Plan?

An in-house dental membership plan is a subscription-style program you offer directly to your patients.

Instead of relying on insurance, patients pay you:

  • Monthly or annual fee

  • Includes preventive care (cleanings, exams, x-rays)

  • Discounts on additional treatment

  • No third-party middleman

You control:

  • Pricing

  • Benefits

  • Communication

  • Renewals

  • Retention

You become the payer.

And that changes everything.


🚀 Why an In-House Dental Membership Plan Works

Let’s talk numbers.

Membership patients typically:

  • Show up more consistently

  • Accept more treatment

  • Stay longer

  • Refer more

  • Spend 2X–4X more over their lifetime

Why?

Because they feel connected to your practice — not their insurance.

When someone joins your plan, they commit to you.

That builds loyalty.

And loyalty builds lifetime value.


📈 The Real Game: MRR & ARR

Most dental practices operate on production.

Smart practices operate on recurring revenue.

When you implement an in-house dental membership plan, you create:

  • 💰 Monthly Recurring Revenue (MRR)

  • 📊 Annual Recurring Revenue (ARR)

  • 🔒 Predictable cash flow

  • 📉 Lower dependency on insurance

Example:

If you enroll 300 patients at $35/month:

300 × $35 = $10,500 per month
That’s $126,000 per year in recurring revenue.

Before treatment.

That stabilizes your practice.


🧠 The Epiphany: It’s Not About Replacing Insurance Overnight

Here’s where most dentists mess up.

They think:

“I need to cancel every PPO tomorrow.”

Nope.

That’s how you white-knuckle your way into panic.

Instead:

  • Build your membership base first

  • Train your team

  • Communicate clearly

  • Track KPIs

  • Transition strategically

A parachute works best when it’s packed before you jump.


🏥 Case Study: Scaling with BoomCloud™

Let’s talk real-world.

A multi-location practice in Idaho built their in-house dental membership plan years before exiting PPOs.

They:

  • Aligned team incentives around new member sign-ups

  • Trained front desk on verbiage

  • Used data tracking to monitor retention

  • Moved patients laterally from PPO to membership

Over time, their membership base grew into the hundreds.

When they dropped Delta Dental?

They already had recurring revenue stability.

No chaos.

No collapse.

Just freedom.

Using BoomCloud™ to automate billing, renewals, reporting, and communication allowed them to scale without administrative overload.

They even hit leaderboard status for membership growth.

The result?

  • Slower schedule

  • Higher collections

  • Fewer write-offs

  • More control

  • Less burnout

That’s what an in-house dental membership plan is really about.


🛠 How to Build an In-House Dental Membership Plan

Step 1: Design the Right Offer

Keep it simple:

  • 2 cleanings

  • 2 exams

  • X-rays

  • 10–20% off additional treatment

No deductibles. No waiting periods.

Make it obvious.


Step 2: Price It for Profit

You’re not trying to match insurance.

You’re building value.

Price based on:

  • Your overhead

  • Your hygiene capacity

  • Your growth goals

Remember: You control this.


Step 3: Train Your Team

This is huge.

Your front desk must know how to:

  • Explain benefits clearly

  • Avoid insurance language

  • Position it as better than PPO

  • Handle objections

Soft skills drive enrollment.

The top membership practices bonus team members on new sign-ups.

Alignment matters.


Step 4: Track the Right KPIs

Watch:

  • Membership growth

  • Attrition rate

  • Revenue per patient

  • Reappointment rate

  • Treatment acceptance

Data removes fear.


Step 5: Automate with the Right Software

Managing spreadsheets manually?

That’s a nightmare.

Use a system like BoomCloud™ to:

  • Process recurring payments

  • Manage renewals

  • Track performance

  • Automate communication

  • Generate reports

Automation allows scale.


⚠ Common Mistakes to Avoid

❌ Underpricing the plan
❌ Not training the team
❌ Treating it like a discount club
❌ Not marketing it consistently
❌ Canceling PPOs too fast

Build first. Then transition.


🏆 Why This Is the Future of Dentistry

Insurance companies are consolidating.

Reimbursements are stagnant.

Overhead is rising.

You can’t control inflation.

You can control your business model.

An in-house dental membership plan gives you:

And freedom feels really good.


❓ FAQs About In-House Dental Membership Plans

Is it legal to offer an in-house dental membership plan?
Yes. As long as it’s structured properly and compliant with state regulations.

How many patients do I need for it to work?
Even 100 members creates meaningful recurring revenue.

Will I lose patients if I drop PPOs?
If done strategically with a strong membership base, attrition is manageable and temporary.

Does it replace insurance?
For uninsured patients — absolutely. For insured patients — it becomes a powerful alternative.


🎯 Final Thought

The best way to grow a dental practice isn’t more patients.

It’s optimizing revenue per patient.

An in-house dental membership plan helps patients get the care they need while helping your practice thrive.

That’s a win-win.


📥 Ready to Build Your Membership Machine?

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

My Top Podcasts

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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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