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
The staff and Dr Oppenheimer are great. He pulled my teeth and I don’t even know it’s gone.
Verethia W.
Very pleasant experience. I come here regularly and am never disappointed. Hygienist Elena was excellent today.
Nicholas L.
Excellent care. No waiting.
Sarah B.
I was taken on time and I was out 1 hr later (which was the length of time I was told it would take)
Pearl Z.
Friendly staff. Wait time is short. Staff is knowledgeable and very courteous.
Jarie K.
Excellent prompt and responsive
Gary G.
Dr Gorman and staff are very thorough and sincerely concerned about patient dental health.
Sonia G.
I love them. They are the best. My husband and I have been with them for 15 years. You are guaranteed great service.
Debbie I.
I have already recommended two of my friends to this office. They are very professional and friendly.
Alicia H.
It was the most thourough dental examination I have ever had. Everyone has a great bedside manner.
Michelle C.
I trust my dentist completely.
Barry M.
Amazing staff
Charlotte T.
Jennifer, my hygienist is wonderful! She was so gentle I barely knew she was there lol Great experience!!!
Stephanie J.
Very good hygienest
Gary G.
elena did a great job cleaning my teeth
Steven K.
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.
Very happy with the assistance and advice I received.
Eric W.
I like Dr. Gorman
Elyse 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.
Clean and professional atmosphere
Caesar C.
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 - 5:30 PM
  • Tuesday 8:30 AM - 5:30 PM
  • Wednesday 8:30 AM - 5:30 PM
  • Thursday 8:30 AM - 5:30 PM
  • Friday 8:30 AM - 4:30 PM
Get in touch:
  • Phone: (443) 898-1240
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