Dental Insurance vs. Our Membership Plan — Which Saves More?
If you're paying for coverage you barely use, a simple membership plan may leave more in your pocket. Here's a plain-English comparison.
Traditional dental insurance can be a great deal — or a puzzle of deductibles, waiting periods, and yearly maximums. Below is the plain-English comparison we walk new patients through.
Traditional PPO insurance
- Monthly premium: usually $30–$80/mo per person
- Covers 100% of preventive cleanings & exams
- Covers 50–80% of restorative work — after deductibles
- Annual maximum benefit: usually $1,500 (unchanged for 40 years)
Our in-house membership plan
- Flat annual fee (no deductible, no maximum)
- Two cleanings + exam + X-rays included
- 20% off all other services
- No claims to file, no waiting periods
Which one wins?
If you have employer-provided PPO coverage, keep it — it's usually a subsidized benefit. If you're paying out of pocket for individual dental insurance and rarely need more than cleanings, the membership plan often saves families a few hundred dollars a year.
Not sure?
Bring your insurance card to your first visit. We'll do a real cost comparison based on the treatment you actually need — not what a chart says you should need.
Have a question about this?
We're happy to answer questions in the chair — or by phone. No pressure, ever.
Keep reading.
Small daily choices — the order you brush, how you sip coffee, when you floss — quietly shape the color and health of your smile. Here's what actually matters.
Both work. The right choice depends on your bite, your lifestyle, and how much of the process you want to be visible.
Bruxism rarely wakes the person doing it. Look for these five clues before your enamel does.