Dental · From Chapters 3, 5, 6, 7 and 10 of The Uninsured Patient List
Membership plan calculator
Set an in-house membership plan against what the same patients paid last year. A member who was already coming twice a year is a cost, not a gain, and each member counts for the first plan year only: the plan floor, not a forecast. Every line of the arithmetic is printed so you can check it against Appendix C.
- Totals only. Type counts, fees and shares from your reports. Never enter names, dates of birth, chart notes or anything else that identifies a patient.
- Stays in your browser. Nothing you type is sent, saved or tracked. Close the tab and it's gone.
- An estimate, not a forecast. Who joins, how often members come, the slipping patients' baseline, renewal, monthly leavers and the outside-review cost are assumptions until six months of your member record replace them (Chapter 10).
- Arithmetic, not advice. It says nothing about whether a plan is allowed where you practice or what its agreement must say. Those questions belong to your attorney and the dated rules pages, which are in review.
Kestrel Park Family Dental is a composite practice from the book. Its proposed plan loads first and reproduces Appendix B; its fees and plan fee are invented, never a recommendation.
1. The pool and its baseline year
Active patients with "none" in the benefits field, by recall visits in the last 12 months (Chapter 1), and what each kind paid last year besides recall visits and bitewings (Chapter 2). Blank benefits fields aren't in the pool.
Regular Two or more recall visits in the last 12 months
Last year
Per patient, at full fees
Occasional One recall visit in the last 12 months
Last year
Per patient, at full fees
Slipping None in 12 months, still inside the inactive line
Expected next year
Per patient, at full fees
2. Your full fees
What a patient without benefits pays at the counter. A recall visit is the exam plus the cleaning; bitewings are counted once in a year with any visit.
3. What the plan includes, a plan year
The dentist's signed list (Chapter 4). It sets the included value at your full fees; it doesn't change the floor.
4. The fee and the discount
The discount applies to all of a member's other treatment, including what they'd have bought anyway (Chapter 6). The monthly fee is optional: fill both monthly fields to run the same plan billed monthly beside it (Chapter 7).
Leave blank for annual only
Assumed to have used their visits first
5. What each member and the setup cost
Processing and desk time are charged on every member. Setup comes off the first year only (Chapter 8).
Of the fee collected
Front desk and office manager
A placeholder until quoted
6. Chairs and renewals
Extra recall visits need hygiene hours. Renewals are counted, never valued.
Leave blank to skip the check
7. The fuller view (a guess, kept out of the floor)
If members buy more other treatment than they did before, the year looks better. No public source says how much. This only feeds the labelled fuller view below; the plan floor ignores it. Leave it blank to hide that view.
Estimate · synthetic · billed annually, each member's first plan year
The decision lines
The fee at which each kind of member neither gains nor costs the practice, and how many of the others pay for one regular (Chapters 5 and 6).
By segment
One member-year each, as Appendix B lays it out: what a patient paid the year before, what a member brings, the change per member after processing and desk time, the segment's net and its break-even fee. Member counts carry decimals on purpose: each is a pool count times an assumed share, an expected value rather than a head count.
Annual or monthly
The same plan billed monthly, with the assumed share of members stopping each month (Chapter 7). A member who stops is assumed to have used the included visits first, so only the fees stop. Whether a leaver may do that is a question for the plan's agreement and your attorney, not for this page.
The fuller view, with extra treatment assumption
What the first year would look like if members bought more other treatment than they did before, at the share you typed in section 7. This is a guess with no public benchmark behind it. The book doesn't print it, and the plan floor above leaves it out. Quote the floor; treat this as the upside it might hide.
Step by step
Every line, in the order Appendix C prints it, with your numbers in place. Lines show two decimal places; the calculator carries every digit and rounds only what it shows.
The formula
Run once for each kind of patient, then added up.
- Baseline year, per patient
- recall visits × (exam fee + cleaning fee) + (bitewing fee if any visit) + other treatment
- What a member brings, billed annually
- member fee + (1 − discount) × other treatment
- Cost per member
- processing rate × fee collected + desk minutes ÷ 60 × hourly cost
- Change per member
- what a member brings − baseline − cost per member
- Plan floor, first year
- Σ (patients × share who join × change per member) − (setup hours × hourly cost + outside review)
- Break-even fee
- (baseline − (1 − discount) × other treatment + desk cost) ÷ (1 − processing rate)
- Break-even mix
- loss per regular member ÷ gain per occasional (or slipping) member
- Already-regular share
- regular members ÷ all members
- Billed monthly
- months paid = 1 + (1 − a) + … + (1 − a)¹¹; fee collected = monthly fee × months paid; what a member brings = fee collected + (months paid ÷ 12) × (1 − discount) × treatment + (1 − months paid ÷ 12) × treatment
- Extra hygiene hours
- Σ members × the extra recall visits they make as members (never fewer than none) × hours per visit
What this leaves out
Everything left out would make the real figure larger, not smaller: renewals and every year after the first, new patients the plan draws in, treatment found at the extra visits, family members, and patients the plan keeps from crossing the inactive line. The fuller view above shows one of these, labelled as a guess. Members who were already coming are never a gain here: the fee they pay below what they paid before, and the discount on treatment they'd have bought anyway, are both costs.
It's one adult plan, in steady state, a member-year at a time. Child, perio and family tiers are the dentist's design and would be more segments with their own fees. It counts the fee as collected for the plan year; when a prepaid fee is booked as income is a question for your accountant.
The calculation is the book's reference code, ported line for line and checked against its hand-worked cases before each release. See the editorial policy for how numbers are labelled.