no insurance? read this
The Virginia Dental Club: dentistry without insurance.
About a third of American adults have no dental insurance, and most of them postpone care they'd get if the pricing simply made sense. The Virginia Dental Club is our answer: a membership you buy directly from the practice — no insurance company between us, no claims, no waiting periods, no denial letters.
The numbers are public and simple: 279 dollars a year for an individual, 259 for each additional member. That covers your exams, x-rays, and cleanings at no charge — two per year under the plan terms — and takes 20% off most other services. Guaranteed acceptance, no waiting periods, and the membership activates immediately. Questions the page doesn't answer? The front desk at 434-823-4080 will lay it out in two minutes, no pitch.
Select Crozet Family Dental as your office.
Who it's for
The self-employed, the early-retired, the between-jobs, and everyone whose employer just doesn't offer dental — which around Crozet includes a lot of farm families, small-business owners, and remote workers whose benefits stop at medical.
It's also for the math-doers: people who've noticed that dental 'insurance' premiums often roughly equal the cost of the care they actually use, minus the paperwork. A membership plan makes that math honest.
How it differs from insurance
No underwriting, no waiting period before you can use it, no annual claim forms, and no third party second-guessing your doctor's plan. You join, you're covered for the routine rhythm, and treatment beyond that is quoted in writing at member pricing — we explain estimated costs before treatment begins, same as everything else here.
It pairs with the same financing options as any treatment plan, so even bigger work stays plannable. Details on the insurance and financing page.
No insurance? You are in the right place
Millions of people manage their oral health without a dental plan, and plenty of our patients are among them. Cost should never stand between you and a healthy smile — so without insurance, you get the same transparency everyone gets here: every treatment option explained and estimated costs outlined before work begins.
The club exists precisely for this situation — routine care covered by membership, member pricing on treatment, and a front desk that will do the math with you before you commit to anything.
Fine print, stated plainly: exact savings vary by location, and the plan can't be combined with promotions or already-discounted services. It's a membership, not insurance — which is exactly why it works the way it does.
Questions we hear in the chair
- What does membership cost and include?
- Individual membership is 279 per year, with additional members at 259 each. It includes exams, x-rays, and cleanings at no charge — two per year under the plan terms — plus 20% off most other services, with guaranteed acceptance, no waiting periods, and immediate activation. Exact savings vary by location, and the plan can't be combined with promotions. The Virginia Dental Club site has the full terms.
- Is this dental insurance?
- No — it's a direct membership with the practice. That's the point: no premiums to a third party, no claims, no waiting periods, no denials. Just an honest price for being a regular.
- Can my whole family join?
- Yes — family memberships are the common case. Ask the front desk to price your household.
- I have insurance. Is the club still relevant?
- Generally the club exists for the uninsured — if you have coverage, we'll help you use it well instead. If your plan is lapsing or laughably thin, the comparison conversation is worth having.
Serving Crozet for 50+ years. At least two full-time doctors in the building, Monday through Friday.