San Mateo Dental Arts


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Dental Insurance VS Dental Membership Programs

Dental Insurance. How Does It Work?

Dental insurance provides coverage to help pay for dental care. You generally pay a premium to have coverage.

The average cost of a preventive care dental insurance policy is $26 monthly. A comprehensive dental insurance plan costs an average of $47 per month.


What Does Dental Insurance Cover?

Dental insurance coverage typically covers three areas of dental care: preventive, basic, and major services.

  • Preventive care usually covers exams, cleanings, X-rays, as well as fluoride treatment for patients 14 and younger.
  • Basic services generally include fillings and deep cleanings.
  • Major services cover everything else such as crowns & bridges, extractions, gum surgery, etc., which is where you usually find plan exclusions.

Dental insurance usually does not cover services like:

  • Cosmetic dentistry including bonding or veneers
  • Missing Tooth Clause – any restorative work to replace a missing tooth, if the tooth was missing before the policy was active
  • Dental Implants
  • Teeth Whitening
  • Orthodontics (brackets and/or clear aligners) may be covered but have a once in a lifetime maximum benefit (check your policy for coverage details)

Let’s say you get $200 worth of dental services and haven’t paid anything toward a $50 deductible yet. In that case, you would pay the first $50, and then you and the dental insurance company would split the remaining $150. If you have a 50%/50% coinsurance, you would pay an additional $75 and your insurance company would pay $75.

That means your bill for that $200 worth of dental services would be $125 total. Plus, you are paying $26 to $47 per month for your Dental Insurance Premium. ($312 to $564 Annually)

How Dental Insurance Annual Coverage Maximums Work.

Assume your annual coverage maximum is $1,500 and imagine you have $3,000 worth of dental services performed within that plan year. You would be responsible for any costs that exceed the $1,500 until your next plan year.

In that case, you would be on the hook for the other $1,500 not paid by the insurance company. Plus, you are paying $26 to $47 per month for your Dental Insurance Premium. ($312 to $564 Annually)

As you can see, having dental insurance does help with the cost of dental care, but it might not help as much as you thought. We tell our patients to consider dental insurance as a “coupon” that helps reduced the cost of dental care by a specific amount.

Dental Membership Plans. How Do They Work?

Much like Dental Insurance, there is a monthly premium that you pay for your Dental Membership.

Think of dental membership plans like other subscription services you join—like Netflix and Amazon Prime. You pay a monthly or annual fee directly to your dentist, and in return receive preventative care and discounts on other treatments.

Our Dental Membership Plans Provide The Following:

Dental Membership plans personalized for your oral care needs

An affordable care plan with simple and transparent terms that you can trust

Pricing, discounts, and benefits that enable you to get the comprehensive care you need not what you can afford

A direct relationship with Dr. Phan removes third-party hassles and costs and makes it easier for her to provide the dental care you need. Visit San Mateo Dental Arts today to take advantage of our in-house Dental Membership Plan!


To learn more about San Mateo Dental Arts or to schedule an appointment, please call or text  San Mateo Dentist Dr. Phan Today (650) 345-7981!

San Mateo Dentist Dr. Sheena Phan
San Mateo Dental Arts

150 N San Mateo Dr
San Mateo, CA 94401

Call or Text (650) 345-7981

New Patient Welcome Center

HollySan Mateo
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questions. Stacy was very gentle during the cleaning and x rays and Dr. Sheena was extremely helpful in answering all of my questions. So grateful to the person who recommended this dental practice so highly. Now I know why!!!
TinaSan Mateo
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I am always impressed with Dr. Phan and her team. I feel welcome and appreciate that they take the time to get to know me and have conversations with me (not just about my teeth). Everyone is extremely friendly and helpful. I cannot say enough great things about them! Her and her team help you feel comfortable and at ease. Very clean office and the staff are so professional and very nice people. Great customer service. I’m in great hands.
MaureenSan Mateo
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Great Dr, great support staff, easy location and parking. The best part of Dr. Phan is that she will spend enough time with you to cover your questions and concerns without rushing you and will never recommend excessive treatments just to make money, but instead just do what is necessary.