Clear Care is a dental membership, not traditional insurance. That means no deductibles, no claim forms, no annual maximums on preventive care. You pay a flat monthly rate; we cover what we say we cover, with negotiated rates on the rest.

How fast can I use it?

Depends on how you pay. If you pay annually upfront, all benefits are active immediately — your free cleanings, oral evaluation, and X-ray, plus negotiated rates on everything else. If you pay month-to-month, your free benefits unlock after a 90-day waiting period, but negotiated treatment rates kick in right away. Either way, you can start saving on day one.

What if my dentist isn't in-network?

Every dentist is fair game — in-network or not. Book the appointment in the app and our Concierge handles the rest, coordinating directly with your dentist so you don't have to. No reimbursement forms, no chasing receipts.

Can I cancel anytime?

Yes. Cancel in two clicks from your dashboard. No fees, no phone-tree gauntlet.

What's the AI second opinion?

Upload an X-ray and our AI gives you a plain-English read in under a minute — flagging potential overtreatment, missed diagnoses, or unnecessary procedures. It's educational, not a clinical diagnosis: bring the report to your dentist for confirmation.

Encrypted at rest and in transit, HIPAA-aligned storage, role-based access, and we never sell anything to anyone. Period.

PatientsAugust 11, 20262 min read

Dental Coverage With No Annual Maximum

Your dental insurance caps at $1,500 a year—one crown can eat it all. Clear Care’s membership plan has no annual maximum, no waiting periods, and transparent pricing. $44.99/month + $99.99 enrollment.

$1,840estimate comes back: $1,840 for a crown.

$1,500already hit your $1,500 annual max for

$432be done, it’s $432 for the year—that saves

The estimate comes back: $1,840 for a crown. And your insurance says you’ve already hit your $1,500 annual max for the year.

That’s not a bill you saw coming. With most dental plans, once you cross that ceiling, everything else is out of pocket until January.

Clear Care Dental is built for that exact moment. It’s a membership plan, not insurance—and it doesn’t have an annual maximum.

The membership math

You pay a flat monthly fee to be a member. No per-visit deductible, no running tally of what’s left on some cap. For an individual, it’s $44.99 a month plus a one-time $99.99 enrollment fee.

If you’d rather pay once and be done, it’s $432 for the year—that saves you about $108 compared to monthly billing.

Those numbers get you access to negotiated member rates on every procedure from day one. Not sixty days from now, not after a waiting period. Day one.

You’ll pay the member rate each time—not full retail after you’ve burned through a $1,500 allowance.

What’s included right away

A comprehensive oral evaluation once every 12 months
A full set of X-rays once every 12 months
Two routine cleanings per year

Those free preventive visits are available immediately when you pay in full. If you bill monthly, they kick in after 90 days. Either way, the negotiated rates on anything restorative or cosmetic are active the moment you enroll.

And because there’s no annual maximum, you don’t hit a wall mid-treatment. Need a crown and a filling and a root canal in the same year? You’ll pay the member rate each time—not full retail after you’ve burned through a $1,500 allowance.

Your dentist decides the treatment

With traditional insurance, the carrier often second-guesses what the dentist recommends. Not here. Your dentist calls the shots. No pre-authorization, no claim forms, no denials.

You pick the dentist—any dentist—and our concierge books the appointment for you. If that practice can’t take it, we find another nearby the same day. The dentist’s office gets paid promptly after the visit, and you don’t have to chase anything.

No cap means no surprise out-of-pocket reset

An annual maximum doesn’t just cap what insurance pays; it resets your exposure the moment you need more care. The membership model removes that stopping point entirely. You keep seeing your dentist, you keep paying member rates, and you don’t wait for a new calendar year to get the work done.

Clear Care Dental is a dental membership plan, not insurance.

Keep reading

PatientsHow Clear Care Dental Eliminates Credit Card Fees in DentistryAugust 24, 2026 PatientsWhat's Actually Included in a Dental Membership Program — Details You Need to KnowAugust 23, 2026

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