Membership Plan Worksheet

Every practice that drops a PPO gets the same question within the first week: "what happens to my insurance?" A membership plan is the answer, but only if it's priced from the bottom up. This worksheet builds the fee the way I do: start from what a covered visit actually costs you to deliver, add the X-rays, then add a margin that covers the discount you're giving away on major work.

The spreadsheet does the arithmetic with formulas, not hard-typed numbers, so you can swap in your own cost per hygiene visit and see the fee move. Once you have a number, the companion Word file is the plan terms template: what's included, the fee, renewal, refund policy, and a signature block, all with brackets for your own numbers.

What's inside#

• Inputs: cleanings and exams included, cost per preventive visit, X-ray cost, margin for the major-work discount
• Results: preventive cost subtotal, total covered-service cost, annual and monthly membership fee, all by formula
• A comparison to Ryan's own $300-a-year benchmark
• A Notes sheet showing where every input and formula comes from
• A plan terms template: what's included, fee, renewal, refund policy, and signatures

How to use it#

1. Pull your actual cost per hygiene visit and enter it, along with your X-ray cost and the margin you want to build in.
2. Read the annual and monthly fee the formulas produce, and compare it to Ryan's own $300-a-year benchmark on the Notes sheet.
3. Decide your flat discount on other services, your renewal policy, and confirm your refund policy.
4. Fill in the plan terms template with your practice name, the numbers from the worksheet, and your state's required disclosures.
5. Have a healthcare attorney review the agreement, and check your state's rules on discount medical plans or direct primary care statutes before you launch.