Valley Dental Associates
9199 Reisterstown Road, Suite 206B, Owings Mills, MD 21117

Dental Plan Basics: Know Your Insurance Needs

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Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Owings Mills, call Valley Dental Associates today at (443) 898-1240 or make an appointment.

Valley Dental Associates offers affordable family dentistry and gentle, compassionate dental care in Owings Mills. Our office is conveniently located with extended hours to meet your needs. At Valley Dental Associates, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Valley Dental Associates.

Read What Our Patients Say
Patient Reviews
The staff and Dr Oppenheimer are great. He pulled my teeth and I don’t even know it’s gone.
Verethia W.
Awesome! Dr. Gorman is a true professional and very detailed in his work.
Nick H.
Everyone is so great! I get so nervous to go to the dentist but they made it actually enjoyable believe it or not! Great practice!!
Melissa C.
Office staff is efficient & clinical staff is knowledgeable & take good care of my teeth & gums.
Bonnie W.
I was in a great deal of pain and was able to be squeezed in imedialty! I have terrible anxiety about having any type of dental work done however, Dr. Gorman always takes the time to explain to me […]
Ashley H.
Clean and professional atmosphere
Caesar C.
The staff is very friendly and the office is very clean. I had a root canal done and the pain level was about slim to none. Dr. Oppenheim is the best!!!
Denise D.
Everyone in the office provides great customer service. Dr. Snyder is very nice, calm and caring. He is very gentle with the procedures and ensures that his patients understand what is being done.
Ciara W.
Valley Dental Associates has a great staff….they have always been friendly and accommodating to my needs. My first time there was a dental emergency, (I did have an actual first visit […]
Arlene K.
Dr Gorman is the best. I’ve been coming to him since my kids were 3 and 5. That’s about 23 years. I’m a baby when it comes to the dentist and he always makes me feel comfortable.
Theresa P.
The only dentist office I’ve been to in my life. Everyone is so great and helpful. Very pleasant place.
Loren I.
The dental hygienist gave me a thorough cleaning and irrigation of my teeth and also made excellent recommendations.
Paul L.
Very good hygienest
Gary G.
Excellent care. No waiting.
Sarah B.
I’ve been coming to Dr. Gorman for over 20 years and have always received excellent care. He listens and takes my best interest of my visits.
Yvonne W.
High level of competence of Dr. Gorman and staff; caring manner and professional interactions.
Leslie G.
Very professional and personable service.
Maria E.
Matthew is a huge asset to the firm. He is thorough, gentle and knowledgeable.
Marcia S.
Great service no wait time.
Caesar C.
Everyone is so nice. The hygienist I had (Matt) was very patient with me, and cleaned my teeth gently. He was very personable. Dr. Gorman is always friendly, knows I don’t care to come to […]
Michele S.
We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here

Office Hours
  • Monday 8:30 AM - 7:00 PM
  • Tuesday 8:30 AM - 5:30 PM
  • Wednesday 8:30 AM - 5:00 PM
  • Thursday 8:00 AM - 5:00 PM
  • Friday 8:00 AM - 4:30 PM
  • Saturday Closed
  • Sunday Closed
Get in touch:
  • Phone: (443) 898-1240
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