Cirrus Dental
Blonde woman smiling

A New Dental Option, by Dentists for Patients

Cirrus Dental is an affordable dental subscription that simplifies paying for dental care and makes your dollars work for you, replacing traditional insurance. We offer two choices: a Preventive Option and a Complete Option.

Subscribe
  • Icon of a shining tooth An orange icon of a shining tooth

    Simple

    There are two options. Choose the one that works for you.

  • Icon of eyeglasses An orange icon of eyeglasses

    Intelligent

    You pay for what you need, and have the freedom to get the treatment you want when you want it.

  • Icon of stacked blocks An orange icon of stacked blocks

    Stable

    With the Complete Option, you build a Nest Egg that never expires. The funds will be there for you whenever you need them.

  • Icon of dollar bills and coins An orange icon of dollar bills and coins

    Budget-Friendly

    You pay a modest monthly subscription fee.

Subscription Options

Preventive

  • Healthy Mouth Care

    • Routine cleanings every 6 months

      Included A blue checkmark indicating support for feature
    • Routine exams every 6 months

      Included A blue checkmark indicating support for feature
    • Bitewing x-rays every 2 years

      Included A blue checkmark indicating support for feature
    • Full series of x-rays every 5 years

      Included A blue checkmark indicating support for feature
  • Growing Nest Egg to help cover

    • Fillings, crowns, implants

    • Whitening/veneers

    • All other care

    • 20% Nest Egg bonus Every dollar in your Nest Egg gives you 20% more value. For example, $100 in your Nest Egg is worth $120 in dental treatment.

$30

per month

Subscribe
Best Value

Complete

  • Healthy Mouth Care

    • Routine cleanings every 6 months

      Included A blue checkmark indicating support for feature
    • Routine exams every 6 months

      Included A blue checkmark indicating support for feature
    • Bitewing x-rays every 2 years

      Included A blue checkmark indicating support for feature
    • Full series of x-rays every 5 years

      Included A blue checkmark indicating support for feature
  • Growing Nest Egg to help cover

    • Fillings, crowns, implants

      Included A blue checkmark indicating support for feature
    • Whitening/veneers

      Included A blue checkmark indicating support for feature
    • All other care

      Included A blue checkmark indicating support for feature
    • 20% Nest Egg bonus Every dollar in your Nest Egg gives you 20% more value. For example, $100 in your Nest Egg is worth $120 in dental treatment.

      Included A blue checkmark indicating support for feature

$60

per month

Subscribe

These are example subscriptions. Actual subscriptions vary by dentist.
Cirrus Dental is not insurance. For people with mandated minimum health insurance requirements, a Cirrus Dental membership will not fulfill those requirements.

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Nest Egg

The Nest Egg can be used to pay for any other needed dental care. It immediately starts building and will quickly grow to be more than enough to cover what a typical patient might need.

  • Calendar with checkmark An orange icon of a calendar with a checkmark

    Never expires, unlike traditional insurance.

  • Piggy bank An orange icon of a piggy bank with a money sign on it and a coin going in

    The Nest Egg bonus gives every dollar more value with your primary dentist.

Frequently Asked Questions

Cirrus is offered directly by your dental office, eliminating the high overhead and hassles of traditional insurance. With traditional insurance, nearly half of what you pay can be kept by the insurance company to pay its administrators. With Cirrus, you only pay for what you need and you keep what is left over for future dental treatment. Over three years, a typical patient will save nearly $900 compared to a traditional plan!

Cirrus Complete was designed for today’s typical dental patient. Many patients will see no additional cost and will have savings left in their Nest Egg. Both Cirrus options cover common preventive care with no additional cost. However, everyone’s dental needs are unique.

With traditional dental insurance you pay every month, and benefits you don’t use expire every year. With Cirrus Complete, you fund a Nest Egg every month and only pay for the dental care you use. You keep the Nest Egg, which never expires, and you only pay for what you use. Since Cirrus is offered directly by your dental office, the costly administration and hassle of traditional dental plans is eliminated, saving you money and aggravation. Cirrus is easy to understand with no deductibles and no coverage exclusions.

Healthy Mouth Care is preventive care, designed for a typical dental patient. You get routine cleanings every six months, bitewing x-rays that can be used to check for cavities every two years, and a full series of x-rays every 5 years.

An ounce of prevention is worth a pound of cure. Patients who receive preventive dental care spend less on dental treatment over their lifetimes than people who only seek dental care when they have a problem.

Your dental office is offering you the option of a low monthly payment for preventive care to help you avoid additional costly care.

The Complete Option adds a Nest Egg that grows over time to pay for other dental needs (fillings, crowns, whitening, etc.) Out-of-pocket costs for dental care can be expensive and you may not have cash to immediately pay for these needs. The Nest Egg allows you to afford this treatment, many times with no additional out-of-pocket cost.

You and your dentist know your smile best. If you sign up for the Complete Option and never use the Nest Egg, you get the Nest Egg back.

$30 is added to your Nest Egg each month.

If you choose the Complete Option, half of your monthly payment funds your Nest Egg. Your Nest Egg can be used to pay for dental care such as fillings, crowns, implants, whitening or whatever other treatment you need.

In addition, every dollar that goes into your Nest Egg earns you Bonus Dollars that you can apply to your dental care. For example, with every $100 that goes into your Nest Egg, 20 Bonus Dollars are applied to your Nest Egg. Over the course of a year, your monthly payments under the Complete Option will grow a Nest Egg worth $432 in care. And of course, with the Complete Option your Healthy Mouth Care is already included.

Remember the dental treatment you had last year when the insurance company only paid 50%, leaving you to pay the rest? With Cirrus, you’re not limited by percentages: You can use 100%, whenever you choose.

If you move to Bora Bora where Cirrus Dental isn’t established yet and never used your Nest Egg, you get back 100% of the funds contributed to the Nest Egg. Bonus dollars are not refunded.

No.

No.

Each office has its own policy for cancellations.

All data transmitted to and from Cirrus Dental and stored by Cirrus Dental is encrypted at a level that meets or exceeds industry standards. This, of course, includes your checking account information. For the geeks out there, our data centers are designed, certified and/or validated against multiple security standards, including ISO 27001, ISO 27017, ISO 27018, HIPAA and HITRUST. Cirrus Dental stores data only in the U.S. On top of the physical and virtual security in place at our data centers, we do daily security scans of the software that runs Cirrus Dental to test against potential vulnerabilities.

Cirrus keeps costs low through efficient operations. We need to use secure automatic withdrawals from linked checking accounts to reduce the costs to you, which is why a link to your checking account is required.

We’re pretty sure you won’t want to cancel once you see how Cirrus helps you save money on your dental care. But if you do, we’ll return the Nest Egg funds to your linked checking account within 30 days.

We are working to add that feature soon. Send us a message and you can be one of the first to know when that feature is active.

We are working on growing a Money Tree. However, we haven’t worked out all of the details yet. Until we do, the Nest Egg allows you to use your available balance plus any bonus dollars. Anything else would require an additional payment.

No.

Absolutely.

You can allow other family members enrolled in Cirrus to use your Nest Egg. It’s yours. You decide how to use it.

No, the Preventive Option requires an automatic monthly payment from your checking or savings account each month.

You can cancel at any time.

Cirrus is designed to be simple, fair and affordable for everyone. If you decide Cirrus isn’t right for you, you will be responsible for the cost of dental care received that a patient without Cirrus would have paid, less any amounts paid through Cirrus over the last 12 months.

For example, if you had a cleaning, exam and x-rays valued at $300 two months ago and had paid $60 through Cirrus, you would owe your dental office the difference of $240.

Of course. Here's our Member Agreement.

Visit our help desk .

We have answers to our most common questions about the system there. If you can't find what you're looking for, you can also submit a support request via the helpdesk and we'll get back to you quickly.

Cirrus Dental is located in Westhampton, Massachusetts, and our staff are based in the US.

A middle-age male dentist in a navy blue dentist uniform smiling

Cirrus Dental for Dentists

Eliminating the Costly Overhead of Traditional Insurance Companies

Cirrus Dental allows you to offer subscriptions to your patients, eliminating the hassles and expense of traditional insurance while adding value for you and your patients. To decrease patient costs and increase practice income, we provide two unique features:

  • Network of dentists An orange icon of a tooth within a hexagon

    A network of dentists attractive to large employers.

  • Piggy bank An orange icon of a piggy bank with a money sign on it and a coin going in

    Nest Egg account patients can use for every treatment.