https://www.familydentalcarepllc.com/ Family Dental Care | Washington, DC
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INSURANCE & PAYMENTS

We Make It Easy

We're in-network with major insurance providers and offer flexible financing so cost never stands between you and great care.

Blue Cross PPO

CareFirst PPO

GEHA PPO

BCBS Horizon PPO

 Delta Dental PPO  & Premier networks

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MetLife PPO

United Health Care PPO

Out of network?Contact us to verify your specific plan.

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Sunbit Financing

Need to spread out payments? Sunbit offers easy, affordable monthly payment plans with quick approval - often in under 30 seconds. No hard credit check required.

 

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FDC Membership Plan

No Insurance? Our in- house FDC Membership through Clerri offers preventive cost at transparent, affordable rates.

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Cash & Self Pay

Transparent pricing with no surprises. Ask us about self pay rates during your visit..

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Manage your FDC Payments here. Questions about cost or coverage.
We're happy to help.

No Dental Insurance?
How Family Dental Care's Membership Plan Works

If you've put off going to the dentist because you don't have dental insurance, you're far from alone. Across the country, millions of people find themselves in the same spot — wanting to take care of their smile but unsure how to pay for it without an employer plan behind them. Here in the DC area, where so many of our neighbors are self-employed, working part-time, between jobs, or running their own small businesses, this is a story we hear almost every week at our practice.

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The good news? Not having insurance doesn't mean you have to go without care. At Family Dental Care, we built our in-house FDC Membership Plan specifically for patients in this exact situation — and we want to walk you through how it works, in plain language, no pressure, no fine print surprises.

Why So Many DC-Area Families Don't Have Dental Insurance

Dental insurance isn't like medical insurance. It's usually a separate policy, often not offered by employers, and even when it is offered, it can come with waiting periods, annual maximums, and confusing exclusions. According to the ADA Health Policy Institute, roughly one-quarter of the U.S. population is uninsured for dental benefits, and that number climbs even higher among working-age adults, self-employed individuals, and seniors on Medicare, which generally doesn't cover routine dental care at all (ADA Health Policy Institute). Cost remains the single biggest reason people put off care they know they need, even when a problem is bothering them.

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That statistic matches what we see every day in our office. Freelancers, gig workers, small business owners, retirees, and people in between jobs often fall into a gap — not poor enough for public assistance, but without an employer plan to help cover cleanings, exams, or a filling when it's needed. That gap is exactly why we created our membership plan: to give people a straightforward, honest way to get dental care without needing to navigate an insurance company at all.

Membership Plans vs. Traditional Insurance: What's the Difference?

Traditional dental insurance works through premiums, deductibles, waiting periods, and annual coverage maximums — you pay a monthly premium to an insurance company, and they reimburse a portion of your care up to a yearly cap, often with limits on what's covered and when. An in-house membership plan works differently. Instead of going through an insurance company, you pay your dental office directly for a set plan that typically bundles your essential preventive care with a discount on everything else you might need.

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As dental industry publications explain, these plans are typically structured as flat annual (or sometimes monthly) fees paid directly to the practice, which commonly include routine preventive visits — like cleanings, exams, and X-rays — along with a percentage discount on additional treatments such as fillings, crowns, or root canals (Dispenza Media / FNF Press). There's no insurance company approving or denying claims, no waiting period before you're covered, and no confusing paperwork. You simply know what you're paying and what you're getting.
 

We want to be upfront with you here: because every dental practice designs its own membership plan, we're not going to guess at numbers or make promises about pricing in this article. The exact cost of the FDC Membership Plan, along with the specific visits and discounts it includes, is something our front desk team will walk you through personally when you call us. We'd rather you hear the real details from us directly than read a number online that might not be accurate by the time you call.

What's Typically Included in a Plan Like This

While your best source for our specific plan details is always a phone call to our office, here's generally how in-house membership plans work across the dental industry, so you know what to expect when you ask:

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  • Preventive visits — usually cleanings, routine exams, and necessary X-rays are built into the annual fee, so you're not paying out of pocket for the basics.

  • A discount on additional treatment — if you need something beyond preventive care, like a filling, crown, or other procedure, your membership typically gets you a percentage off the regular fee.

  • No waiting periods or claims — because you're working directly with your dental office rather than an insurance company, there's nothing to file and nothing to wait on.

  • Predictable, transparent costs — you know your annual fee upfront, which makes budgeting for your family's dental care much simpler.

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Who Benefits Most From a Membership Plan

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A plan like this tends to be the best fit for people who don't have dental benefits through an employer and don't want to purchase a separate dental insurance policy. That includes self-employed professionals and small business owners, freelancers and gig workers, families between jobs, retirees on Medicare, and anyone who simply wants consistent preventive care without the complexity of an insurance claim. If you and your family visit the dentist regularly for cleanings and checkups and want to avoid surprise bills, a membership plan is designed with exactly that in mind.

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And if a membership plan isn't the right fit for your situation, we also offer Sunbit financing, a third-party option that lets you spread out the cost of treatment over time. Between the FDC Membership Plan and Sunbit, we work hard to make sure cost is never the reason someone in our community goes without care. We also accept a wide range of traditional insurance plans, including Blue Cross, CareFirst, GEHA, BCBS Horizon, MetLife, and United Healthcare PPOs, so if you do have insurance, we're glad to work with that too.

How to Enroll

Getting started is simple: give us a call or click on link above. Our team will explain the current pricing and terms of the FDC Membership Plan, answer any questions you have, and help you decide whether it's the right fit for you and your family — no pressure, no obligation. We know dental care conversations can feel intimidating when money is on your mind, and our goal is to make this one easy and honest.

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If you've been avoiding the dentist because you don't have insurance, let's change that today. Call (202) 396-2000 to learn more about the FDC Membership Plan, ask about Sunbit financing, or simply get your questions answered by our friendly team. We treat every patient like family — because around here, that's exactly what you become.

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Family Dental Care, PLLC — 3100 20th St NE, Washington, DC 20018

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Sources cited in this article

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