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

What’s the difference between dental insurance and dental savings plans?

What's the difference between dental insurance and dental savings plans?

You know how expensive dental care can be, and you want to keep your mouth healthy without breaking the bank. With this in mind, it seems as though dental insurance, which, for adults, is not covered under the Affordable Care Act or Medicare, is a must.

However, dental insurance may not be the best way to save money on dental care. A dental savings plan, which you can sign up for independently or with your family, might be the best way to find affordable dental care.

What is a dental savings plan?
With dental insurance, you pay a set amount each month and know that every time you visit the dentist, your care is either partially or completely paid for by insurance. With a dental savings plan, you pay a sign-up fee, then a discounted rate each time you visit the dentist. For example, one dental savings plan, DentRite, costs $30 for an individual to sign up and $50 for a family. Each cleaning costs only $10, which means a single adult who signs up for this plan might only pay $50 a year for healthy teeth and gums. Other procedures, such as an emergency exam, X-rays, and preventative care like sealants and topical fluoride only cost between $10 and $30. To renew the plan each year, you pay just $25 as an individual or $40 as a family.

Am I a good candidate for a dental savings plan?
The true value of a dental savings plan depends on your oral health. If you are generally healthy and only need cleanings each year, a dental savings plan could offer you significant savings. Forbes Magazine recommends it for seniors who have retired, since it is likely less expensive than individual dental insurance (not part of a company’s plan). This type of plan might also be good for single individuals or those with young children who will likely be in good dental health.

What should a dental savings plan cover?
When examining a dental savings plan over regular dental insurance, look to see which procedures and services are covered. For example, a dental savings plan should cover all exams and diagnoses, cleanings, fillings, crowns and oral surgery. Some plans might offer a discount on more specialized procedures like braces and gum disease care.

Read What Our Patients Say
Patient Reviews
I am a life long patient with Valley and will remain so, whomever helps me is always aweesome.
Elliot B.
I am more then please with my experience with Valley Dental.
John J.
Dr. Michael Weitzman and his staff are the absolute best. I've been going to Valley Dental for many years and never disappointed in service and […]
Jerome G.
I was able to get an appt very easily. All staff that I interacted with were very friendly and courteous. I don't like going to the dentist and they […]
Sharon L.
Timely, courteous, expertise
Anita S.
Friendly, professional staff. Linda is so friendly, she rocks!
Scott S.
As always a great experience!
Teresa C.
Great staff and I love Dr. Weiztman excellent care and very thorough and patient.
Trene F.
Excellent cleaning
Dieter L.
Valley dental meets all my expectation.
Lloyd H.
Matthew made me feel comfortable. He was positive and cleaned my teeth quickly.
Lashanda L.
Every one was very pleasant, and nice .and took good care of me .
Linda K.
Dr. Gorman did an excellent job of diagnosing and treating my tooth problem.
Susan H.
The staff and provider were excellent
Donna C.
Always glad to receive dedicated care by a wonderful staff and professional dentists in your practice :)
Amit Y.
Dr. Stewart was excellent.
Judith F.
Good professional servive
Jane G.
Dr. Weitzman and his colleagues are truly excellent - very skilled and quick, and on top of all aspects of dental care. I am usually someone who […]
Lee W.
Outstanding staff and services
Rachel D.
My experience was great , i came in for a root canal , and was a little nervous about the pain , but Dr. Gorman and his asistant was the best ,i felt […]
Craig S.
My visit is always great!!! The best Dentist office I have ever been to!!!!
Nicole W.
No waiting. Staff was very attentive. Dr. Gorman explained every step of the procedure he was performing and what I should expect next.
Mark P.
Very professional staff.
Stanley Z.
Complex appointment made as pleasant as possible by dentist and assistant.
Charles S.
Tough procedure performed without pain and in a very pleasant manner.
Charles S.
Dr. Gorman and his staff are awesome. Always friendly, always communicative, and they're always willing and able to answer my questions.
Sandi F.
The front desk was very welcoming. The hygienist was very epithetical and made sure I was comfortable with the process. The dentist was very open and […]
Joseph T.
I am always treated so well by the staff, dental assistant and especially the dentist! In the past, I avoided seeing the dentist because my teeth […]
Renee B.
All the staff at Valley Dental is wonderful especially Dr. Srewart. She was kind professional and very understanding
Romana D.
This has been the best office i've ever been to. Even better than other doctors i.e optometrist, general doctor, etc. It is never crowded. There is a […]
Taylor T.
Dr. Stewart and Octavia were so wonderful to me. I have such anxiety when I go to the dentist and they both made me feel so at ease. Octavia even […]
Veronica W.
I have been a patient of Dr. Weitzman for several years now and I have nothing to say but thank you for the excellent service rendered to me and also […]
Douglas B.
Because of sinus problems, I have been anxious about dental visits for many, many years. However, Dr. Stewart, Dr. Kleinman, the Big O, Rico and the […]
Thomas C.
Great service ....... Dr. Gorman is the best.
Hilda F.
The dental service was excellent!
Nadine W.
I called today with a dental emergency at 11:00AM. I was given an appointment 2 hour later. I am now without the extreme pain! Thanks to Norma & Dr […]
Andrew R.
mat was very pleasant, efficient and thorough. this is my second time with him and I have scheduled my next cleaning with him . Norma and Dr. […]
Gail K.
Always excellent
Bernard K.
I called for an emergency appointment , and I was seen right away.
Kenneth K.
Dr Weitzman has my highest recommendation.
Mayer S.
It wax very good experience .
Joyce C.
Very good experience for my first visit
Christeen H.
The care taken was really impressive and they are really good in doing a complete oral check up
Ravi C.
Dr. Gorman is great!
Barton S.
No one would think going to a dentist is fun especially with serious dental problems. But the dedication, concern and competence of Dr. Weizman and […]
Charles S.
Service was great and professional. People were friendly.
Nicole B.
Excellent experience!
Rochelle F.
The staff was really helpful and compassionate.
Renee Y.
Excellent service very accommodating.
Stanley Z.
I can't say that my favorite thing is going to the dentist, but If I must, Valley Dental is the place. It's very professional and the doctors, […]
Merle P.
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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