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
Very professional and personable service.
Maria E.
Excellent service and professionalism as usual. Very satisfied.
Nicholas L.
Very good service!!
Ana S.
First time receiving care from that dentist. I’m impressed. . . he was awesome!
Wyona C.
Excellent care. No waiting.
Sarah B.
I just love the atmosphere there and all the friendly staff.
Marquis S.
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.
Just went for a hygienist appointment. I had the best visit! No cavities and my teeth feel great. The staff is very friendly and helpful.
Joanne P.
Office staff is efficient & clinical staff is knowledgeable & take good care of my teeth & gums.
Bonnie W.
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.
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.
Awesome! Dr. Gorman is a true professional and very detailed in his work.
Nick H.
patient care, as soon as you walk to the check in desk
Lacretia C.
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.
The friendly environment and wait time is awesome.
Cameron J.
The dental tech was so knowledgeable, and proficient at cleaning my teeth, that I almost fell asleep!
Tracy T.
Friendly staff. Wait time is short. Staff is knowledgeable and very courteous.
Jarie K.
responded promptly and effectively to a dental need
Joel L.
Very good hygienest
Gary G.
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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