Dental warranty & reinsurance programs

Protect your patients.
Grow your practice.

One promise, built four ways

Two programs. One promise to patients.

Patients get the same protection either way. The difference is what happens behind the scenes for the practice.

Growth. Reliability. Trust.

Stand behind your work.
We'll stand behind you.

In-person supportWe set up the program with your team at your office, not just over a video call. Warranty ProgramA nationwide warranty on restorative work. Simple setup, claims handled for you. Partner ProgramFor 3+ owner doctors or offices: share in underwriting profit through reinsurance. Patient protectionProtection in writing, honored nationwide if they move or travel.

Every practice already stands behind its work, usually at its own expense. When a crown or implant restoration fails early, most offices remake it at their own cost: chair time, lab bill and a lost appointment slot. A formal program puts that promise in writing, makes it nationwide and reimburses covered repairs.

Two ways to start

A program that fits your practice

Most practices start on the Warranty Program and move into the Partner Program once their volume proves out.

For most practices

Warranty Program

Offer patients a nationwide warranty on restorative work through an established program. Simple setup, claims handled for you, and our team on site to train and support your staff.

Explore the Warranty Program

For high-volume and multi-location practices

Partner Program

Everything in the Warranty Program, plus a path to participate in underwriting profit through a reinsurance structure, reviewed with your CPA and attorney before anything is set up.

How participation works

Not sure yet?

Which program fits?

Answer four quick questions about your owners, offices and the kind of work you do. We'll point you to a starting place.

Find your program

Growth

Patients who say yes to treatment, and come back on schedule.

Reliability

An established national program, with a local partner who shows up and follows through.

Trust

Patients know their work is protected, even if they move or the practice changes hands.

Why practices choose it

Built for the way practices really run

Higher case acceptance

A written warranty answers "what if it fails?" before the patient has to ask.

Patients who come back

Warranty terms include regular checkups, keeping patients on your hygiene schedule.

Support in person

We train your team, help them present it with confidence, and check in after launch.

Stand out locally

Few practices offer it. Yours can be known as the one that stands behind its work.

6years of coverage on covered work under our national partner's plan

30minutes for a discovery call. No cost and no obligation.

3+owner doctors or offices: where the Partner Program usually fits

1business day to hear back from us after you reach out

More for practices

Proven in automotive

The model dealers trust, brought to dentistry.

Car dealers have long offered service contracts to protect their customers, and larger dealers own reinsurance companies behind them that build real long-term value. Our team comes from that world and brings the same discipline to dental practices.

Are you a dealer? Automotive programs are offered through our sister company, DealerRX.

Visit DealerRX

AUTOMOTIVEService contractsDealer reinsurance for larger groups

DENTALRestorative warrantyProfit participation for qualifying practices

See what a warranty program could do for your practice.

A 30-minute call. No cost and no obligation.

Book a consultation Which program fits?

Programs

One promise to patients, two ways to offer it.

Patients get the identical protection either way. The difference is behind the scenes: who keeps the fees that are not paid out in claims.

For most practices

Warranty Program

Offer patients a nationwide warranty on restorative work through an established program. Simple setup, claims handled for you, and our team on site to train and support your staff.

A written certificate that states the covered work and the term
Covered repairs are reimbursed by the program, not absorbed by the practice
Recall is a condition of coverage, so patients have a reason to keep coming back
In-person training, materials and check-ins from ChairsideRX

Talk about the Warranty Program

Best for: Single-location practices of any size
Patient gets: Written, nationwide warranty on covered work
Who backs it: An established national warranty program
Claims: Handled by the program administrator
Profit share: No
Setup: Simple onboarding and team training

6year term on covered work under our national partner's plan

5%about this much added profit per case, by our partner's estimate

$10,000+a year for a typical office, by our partner's estimate

3+owner doctors or offices for the Partner Program

Profit figures are the program partner's published estimates, not a guarantee. Your certificate and program agreement control the actual terms.

Side by side

Choose your program

Start with the Warranty Program. Practices with enough volume can move into the Partner Program later.

	Warranty Program	Partner Program
Best for	Single-location practices of any size	3+ owner doctors or 3+ offices
What patients get	Nationwide warranty on covered restorative work	The same
Who backs it	An established national warranty program	The same, with a practice-owned reinsurance company behind it
Claims	Handled by the program administrator	Handled by the program administrator
Profit participation	No	Yes: underwriting profit after claims and expenses
Setup	Simple onboarding and team training	Program review with your CPA and attorney, then setup
ChairsideRX support	In-person training, materials and check-ins	The same, plus regular performance reviews

The Partner Program

How reinsurance lets the practice share in the profit

In a standard warranty, the fee goes to the warranty company and stays there. In the Partner Program, a reinsurance structure lets the practice owners share in what isn't paid out in claims and expenses.

STEP 1

Patient pays the warranty fee

Collected with treatment, same as the Warranty Program.

STEP 2

Administrator runs the program

Issues certificates, pays claims and handles reporting.

STEP 3

Risk is ceded to your company

A reinsurance company the owners form takes on the warranty risk.

STEP 4

Owners keep the profit

What isn't paid in claims and expenses, plus investment income on reserves.

Common structures: CFC, NCFC, 831(b) and retro programs. Your CPA and attorney help choose the right one, and nothing is formed until they sign off.

"If a car dealer can build wealth through service contracts and reinsurance, why can't a dentist?"

The idea behind the Partner Program

Straight about risk

What can go wrong, and how we prevent it

Naming the risks first is part of standing behind the plan.

Pitfall	How we handle it
The team presents it unevenly	In-person training, scripts and check-ins after launch
Patients see "one more fee"	Present it inside the treatment plan as protection on their investment
Missed checkups void coverage	Explain the recall rule at enrollment and tie it to hygiene reminders
Exclusions surprise a patient	Walk through exclusions (accidents, work done elsewhere) in writing, up front
DSO or franchise rules	Confirm the owner can add an outside program before we start

Pitfall	How we handle it
Too little volume to cover costs	We run your numbers first and only recommend it when volume supports it
A bad claims year	Losses are possible; start on the Warranty Program and let your own data decide
Tax and regulatory scrutiny	Small 831(b) captives draw close IRS attention; your CPA and attorney review before anything is formed
Setup cost and paperwork	A specialist administrator handles formation, compliance, claims and monthly reporting

ChairsideRX does not give tax, legal or insurance advice.

Let's price it on last quarter's crowns and implants.

A 30-minute call. No cost and no obligation.

Book a consultation

How it works

One warranty for patients. Two programs for practices.

Every patient gets the same written protection. Practices choose the program that fits their size.

What happens with each patient

From the chair to covered work

Keep it simple for the team: present, enroll, keep them on recall, and the administrator handles claims.

Present the warranty

During treatment planning, your coordinator offers a warranty on the restorative work, in one sentence.

Patient enrolls

The warranty fee is collected with treatment and the patient receives a written certificate.

Patient stays on recall

Keeping regular checkups keeps the warranty valid, and keeps your hygiene chair full.

If work fails, it's covered

The program reimburses the repair or replacement under the certificate terms, at your office or a dentist near the patient.

Who does what

Everyone has a clear part

Pick a role to see its part in the program.

Your practice

Presents the warranty, collects the fee and keeps patients on recall.

Working with ChairsideRX

From first call to launch

Most of the work happens on our side. Your team's part is a short training and a few decisions.

Discovery call

We learn your procedure mix, case volume and goals. About 30 minutes.

Program fit

We recommend the Warranty Program or Partner Program and walk you through pricing and terms.

Setup

Agreements, enrollment tools and patient materials are put in place.

Train and launch

We train your front desk and treatment coordinators in person, go live together and check in after launch.

In person, at your office. Not just a video call.

See what a warranty program could do for your practice.

A 30-minute call. No cost and no obligation.

Book a consultation Which program fits?

For practices

Stand behind your work. We'll stand behind you.

Everything a practice owner or office manager needs to decide if a warranty program fits.

For the practice

What the practice gains

Higher case acceptance

Big treatment plans stall on doubt. A written warranty answers the unspoken question, "what if it fails?", before the patient has to ask.

A fuller hygiene chair

Recall is a condition of coverage, so patients have a clear reason to keep their hygiene appointments.

Redos off your books

Covered repairs are reimbursed by the program, not absorbed by the practice.

Fewer hard conversations

When a restoration fails, there's a clear process instead of a debate about who pays. Clear terms replace awkward "we'll take care of it" talks.

A new profit line

Our partner reports about 5% added profit per case and $10,000+ a year for a typical office. These are the partner's estimates, not a guarantee.

Reputation and value

"We guarantee our work" is powerful in reviews and referrals, and a structured program can add value when a practice is sold or adds partners.

What ChairsideRX provides

A national program gives you the product. We make sure it works in your office.

In-person onboarding

We set up the program with your team at your office, not just over a video call.

Team training and scripts

Front desk and treatment coordinators learn how to present the warranty naturally, in a way patients appreciate.

Patient materials

Brochures, chairside cards and talking points so every patient hears the same clear message.

Regular check-ins

We review how presentations are going and coach the team where enrollment is slipping.

Program reviews

We look at enrollment, claims and recall together, and tell you when the Partner Program makes sense.

One point of contact

One person who knows your office, answers the phone and follows through.

Quick check

Is it a fit?

Tick what sounds like your practice.

You place crowns, bridges, implants or veneers regularly You want stronger case acceptance on larger treatment plans You want patients to keep their hygiene appointments You're planning a sale, partnership or expansion and want to show added value You run more than one location and want one standard across offices

Tick a line to start

Your team's part

What your team does

Present the warranty during treatment planning
Collect the warranty fee with treatment
Keep patients on their recall schedule, as you already do
Point patients to the claims process if they ever need it

Warranty fees are typically set as a percentage of the treatment and paid by the patient. We'll review exact pricing and terms for your practice on your discovery call.

Questions owners ask first

Tap a question for the straight answer

See all questions

Give us 45 minutes with your team and we'll show you.

Start with a 30-minute call. No cost and no obligation.

Book a consultation Which program fits?

For patients

Your dentist stands behind your work.

If your dental office offers a ChairsideRX warranty program, here's what it means for you.

What is a dental warranty?

Written protection on the work you're paying for

If covered work fails under the terms of your warranty, it can be repaired or replaced as your certificate describes. Your certificate is the final word, so keep it with your dental records.

Protection in writing

A certificate that states the covered work and the term, six years under our partner's plan.

Covered nationwide

If you move or travel, a participating dentist near you can handle covered work.

No surprise bills

Covered repair or replacement costs you nothing under the certificate terms.

Confidence to say yes

Peace of mind on a big investment, and checkups that protect your health too.

Is it covered?

Tap a treatment or situation

Programs commonly cover the work below. The program sets the exact list, and your certificate states it.

Often covered

Usually not covered

Often covered

Crowns

Commonly covered when the work fails under the terms of your certificate. Check your certificate for the exact list and term.

Keeping your warranty valid

Most programs ask for the same simple things

Keep your checkups

See a dentist for routine cleanings and exams on the schedule your certificate lists.

Take care at home

Brush, floss and follow any home-care instructions your dentist gives you.

Keep your paperwork

Hold on to your certificate and treatment records in case you ever need them.

If something goes wrong

Three steps to getting it fixed

Contact your dentist

Call the office that did the work and explain what happened.

Start a claim

Your dentist's office or the program administrator will guide you through the claim.

Get it fixed

If the claim is covered, the repair or replacement is handled as your certificate describes.

Moved away? Many programs let a participating dentist near you handle covered work. Check your certificate or ask your original office.

Questions patients ask

Straight answers

Isn't this what my insurance is for?

No. Insurance helps pay for care in general. The warranty covers this specific work if it fails, and the two work side by side. Insurance helps you pay for the crown. The warranty protects it.

What if I move?

Coverage is nationwide. A participating dentist near you can handle covered work under the same certificate. Your protection goes wherever you go.

Why do I have to keep my checkups?

Checkups catch small problems before they become failures. That is why they keep the warranty valid. Your checkups protect your health and your investment.

Want your dentist to offer this?

Tell us about your dentist

FAQ

Straight answers

The questions practice owners, office managers and patients ask most.

17 questions

The basics

What is ChairsideRX?

We help dental practices launch and run warranty programs. We represent established national warranty programs, train your team in person and support you after launch. For qualifying practices, we also coordinate profit participation.

Is ChairsideRX the warranty company?

No. Warranties are issued and administered by our program partner, an established national warranty provider. ChairsideRX is your local partner for setup, training and ongoing support.

Is a dental warranty the same as dental insurance?

No. Insurance pays toward care in general. A warranty covers restorative work if it fails under the written terms.

What procedures can be covered?

Programs commonly cover crowns, bridges, implant restorations, veneers and inlays or onlays. The program sets the exact list.

How long does coverage last, and where does it work?

Coverage lasts multiple years and is honored nationwide under the program's terms. Each patient's certificate states the term in writing.

For practice owners

What's the difference between the Warranty Program and the Partner Program?

Patients get the same protection in both. The Partner Program adds a reinsurance structure that lets qualifying practices share in underwriting profit.

Who qualifies for the Partner Program?

Practices that write enough warranty volume to cover the cost of the structure, usually high-volume or multi-location practices. We review your numbers with you before recommending it.

Can we start small and move up later?

Yes. Most practices start with the Warranty Program and move into the Partner Program as volume grows.

What does my team need to do?

Present the warranty during treatment planning, collect the fee and keep patients on recall. We provide the training and scripts.

Who handles claims?

The program administrator processes claims and handles reporting, so your team isn't managing paperwork.

Can multi-location groups participate?

Yes. A group can run one standard program across offices, and groups are often a good fit for the Partner Program.

Money and taxes

What does it cost the practice?

Warranty fees are typically a percentage of treatment and paid by the patient. We'll review exact pricing and any setup costs before you commit.

Are there tax advantages to participation?

Some reinsurance structures receive specific tax treatment, and they also carry strict IRS and regulatory requirements. We don't give tax advice. We work with your CPA and attorney so it's reviewed properly.

What happens to fees not paid out in claims?

In the Warranty Program, they stay with the program. In the Partner Program, a share of the underwriting profit can flow to the practice, subject to the program's terms.

For patients

How do I file a claim?

Contact the office that did your work. They or the program administrator will walk you through it.

What if I move?

Coverage is nationwide, so covered work can be handled by a participating dentist near you. Check your certificate for details.

What could void my warranty?

Usually skipped checkups, damage from accidents, or work done by another office. Your certificate lists the details.

Answers here are general. Your program agreement and each patient's certificate control the actual terms.

Still have a question?

A 30-minute call. No cost and no obligation.

Book a consultation

Protect your patients.Grow your practice.

Two programs. One promise to patients.

Stand behind your work.We'll stand behind you.

A program that fits your practice

Warranty Program

Partner Program

Which program fits?

Growth

Reliability

Trust

Built for the way practices really run

Higher case acceptance

Patients who come back

Support in person

Stand out locally

The model dealers trust, brought to dentistry.

See what a warranty program could do for your practice.

One promise to patients, two ways to offer it.

Warranty Program

Partner Program

Choose your program

How reinsurance lets the practice share in the profit

Patient pays the warranty fee

Administrator runs the program

Risk is ceded to your company

Owners keep the profit

Start where your volume is today

Warranty Program

What can go wrong, and how we prevent it

Let's price it on last quarter's crowns and implants.

One warranty for patients. Two programs for practices.

From the chair to covered work

Present the warranty

Patient enrolls

Patient stays on recall

If work fails, it's covered

Everyone has a clear part

Your practice

From first call to launch

Discovery call

Program fit

Setup

Train and launch

See what a warranty program could do for your practice.

Stand behind your work. We'll stand behind you.

What the practice gains

Higher case acceptance

A fuller hygiene chair

Redos off your books

Fewer hard conversations

A new profit line

Reputation and value

A national program gives you the product. We make sure it works in your office.

In-person onboarding

Team training and scripts

Patient materials

Regular check-ins

Program reviews

One point of contact

Is it a fit?

What your team does

Tap a question for the straight answer

Give us 45 minutes with your team and we'll show you.

Your dentist stands behind your work.

Written protection on the work you're paying for

Protection in writing

Covered nationwide

No surprise bills

Confidence to say yes

Tap a treatment or situation

Crowns

Most programs ask for the same simple things

Keep your checkups

Take care at home

Keep your paperwork

Three steps to getting it fixed

Contact your dentist

Start a claim

Get it fixed

Straight answers

Protect your patients.
Grow your practice.

Stand behind your work.
We'll stand behind you.