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
Friendly, do good work, I like the people who treat me
Roger K.
High level of competence of Dr. Gorman and staff; caring manner and professional interactions.
Leslie G.
Clean friendly.Dr. Gorman has been there for a long time. I trust him.
April S.
Great experience today. Very professional and courteous staff. Front desk receptionist Cheryl and Hygentist Jennifer were the best. Can’t leave out Dr. “G” he has a way of putting a […]
Karen W.
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.
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.
The services are always stellar.
Kody T.
The dental hygienist gave me a thorough cleaning and irrigation of my teeth and also made excellent recommendations.
Paul L.
I had my first appointment here last week, based on a recommendation. I was so pleased with the visit. The staff was friendly and professional, and I was taken back almost immediately. Dr. Gorman […]
Regina R.
Great experience with this office. The staff was really helpful in getting me in on a short notice. Dr. Challagulla is an excellent doctor, very attentive to patient’s needs and concerns. I usually […]
Oksana L.
I like my Dentist, very Happy atmosphere
Gail K.
Matthew is the best dental hygienist ever!
Kimberly K.
patient care, as soon as you walk to the check in desk
Lacretia C.
The staff is very friendly and efficient. I like how the doctors and dental assistants explain each step of the procedures along the way.
Alicia H.
I just love the atmosphere there and all the friendly staff.
Marquis S.
Friendly courtesous staff. Appointment are always on time. When you call to scheduled they give you fast appointments.
Jarie K.
Awesome! Dr. Gorman is a true professional and very detailed in his work.
Nick H.
Amazing staff
Charlotte T.
Very pleasant customer service from the time of appointment to check out
Melissa G.
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.
We Accept Most Insurance Plans!
Learn More

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 - 5:30 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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