Not having dental insurance doesn't mean having to live without dental care. If you are looking for a dentist without insurance in Birmingham, Dr. Aaron Cook and Cook Family & Cosmetic Dentistry offer our Healthy Smiles Plan, a simple alternative with no deductibles. No claim forms, and no surprises. Just a yearly fee and a clear understanding of what you’re paying for.
The Healthy Smiles Plan is an in-house dental membership plan in Birmingham, AL: one yearly fee covers your preventive and emergency care and takes 20% off other treatment, with no insurance company, deductibles, or annual maximums.
What Is the Healthy Smiles Plan?
To give you a better understanding of the benefits of our Healthy Smiles Plan, let’s consider both what it is, and what it is not.
An In-House Membership Plan, Not Insurance
The Healthy Smiles Plan is a membership you buy directly from our practice, not an insurance policy. You pay one yearly fee to the office ($385 for the first member, $300 for each additional family member), and that is it. No insurance company in the middle, no claim forms, deductibles, or waiting periods to work around. What the plan covers is spelled out up front, which makes costs easy to predict.
Think of it as a way to prepay for the care you were going to need anyway, with a built-in discount on anything beyond the basics.
Created by a Privately Owned Practice
Cook Family & Cosmetic Dentistry is a privately owned practice, not a corporate chain or private equity-owned (https://pubmed.ncbi.nlm.nih.gov/41367221/) office. Dr. Aaron Cook set the plan’s benefits himself, with our patients’ personalized and consistent care, not revenue targets, in mind.
What’s Included and What It Costs
The Healthy Smiles Plan’s benefits fall into two categories: fully-covered care, and savings on everything else.
Preventive and Emergency Care Covered at 100%
Your membership covers the following at 100%:
- Two cleanings per year, with exams and all necessary x-rays
- Emergency exams and any necessary x-rays
Keeping up with cleanings and exams is one of the most effective ways to catch small problems early, before they become larger and costlier ones. Equally important is timely, expert care when something goes wrong. This is why the routine care that protects your teeth when everything is okay, as well as emergency visits, are included in your yearly fee.
20% Off Other Restorative Treatment
Beyond preventive care, members receive 20% off other treatments, like fillings, crowns, and root canals. There is no yearly maximum, so the discount applies to any treatments you need. This is a big advantage over insurance plans that stop paying once you reach a cap. Because the plan is not tied to a network or insurer’s rules, you and Dr. Cook plan treatment together, based on your personal needs and budget.
Simple Yearly Pricing
Pricing is straightforward: $385 per year for the first member and $300 for each additional family member. For larger treatment, we also offer 0% financing and flexible payment options, so you can spread higher costs over time.
Who Should Join and How to Get Started
A membership fits some situations better than others, so it helps to see who gets the most from it.
Who the Plan Is Best For
The plan suits anyone without dental insurance, including:
- Self-employed professionals
- Individuals and families between jobs
- Patients waiting for new benefits to kick in
- Retirees without dental coverage
Because there are no waiting periods, the Healthy Smiles Plan goes into effect right away. It can also be a practical fit for retirees without dental coverage, since original Medicare doesn’t cover most routine dental care, like cleanings and fillings (medicare.gov/coverage/dental-services).
Dental Membership Plan in Birmingham, AL
If you are paying out of pocket for dental care in Birmingham and want personalized routine and emergency dental care at a transparent and affordable price with no waiting period, contact Dr. Aaron Cook and the Cook Family & Cosmetic Dentistry team to learn more about the Healthy Smiles Plan!