Dental Insurance Alternatives For Scottsdale Patients

Frustrated with your dental insurance? Or wondering is dental insurance worth it?

If you’ve ever dealt with the frustration of dental insurance, you’re not alone. Confusing coverage limits, denied claims, and unexpected bills can leave you wondering: Is dental insurance worth it anymore?

At Alpers Family and Cosmetic Dentistry, we believe there’s a better way. This article dives into the origin of oral health coverage, what its true value is today, and the dental insurance alternatives that our patients are loving—specifically our in-house Membership Plan. Keep reading to learn more.

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Do I Really Need Dental Insurance?

The reality is, many sources say: not always. While it may seem like a safety net, many patients find their "dental benefits" to be more of a financial burden than a benefit. With high premiums, limited coverage, and fine-print exclusions, people often pay more than they actually save.

If you’re generally healthy, prioritize preventive care, or have experienced the disappointment of denied claims, you may be better off exploring dental insurance alternatives that offer real value and transparency.

Already have dental insurance for the year? We can still work with you to help maximize your coverage. But read on to discover why traditional dental insurance is outdated and may not be the best option anymore.

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Why Dental Insurance Is Still Stuck in 1954

Dental insurance hasn’t changed in the last 50 years.

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Did you know? When dental insurance was first introduced in 1954, the average annual coverage ranged from $1,000 to $1,500. Back then, that went a long way—a dental crown cost just $188, and the median home price was only $6,106.

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When it was first introduced, the insurance actually covered dental care. Fast forward to today, and the coverage limits haven’t changed, yet costs have skyrocketed.

Most plans today cap benefits at $1,500–$2,000 a year—an amount that hasn’t kept up with the cost of modern care. Add in waiting periods, exclusions, and arbitrary denials, and it’s easy to see why patients feel like they’re paying a premium for very little in return.

To make matters worse, many dental plans are designed to delay or deny care, making it harder (not easier!) for you to stay healthy.

Our team sees it all the time: patients counting on insurance to cover a crown or filling, only to have their claim denied due to fine print or red tape. And it’s not just here—this happens at dental offices everywhere.

You deserve better.

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So, Is Dental Insurance Worth It?

It depends, but many patients are starting to say no.

When you tally up what you’re paying in monthly premiums, the math often doesn’t work in your favor. Spending $600–$1,000 a year for two cleanings and partial coverage of one procedure—if it’s approved—just doesn’t add up.

“When you look at the dental insurance model, it doesn’t protect the patient from financial risk. It’s the opposite. Once the benefit runs out, the $1,400 or whatever it is, all of that financial burden is on the patient. So it protects the insurer, they’re limited on their exposure.” - Marko Vujicic, chief economist and vice president of the Health Policy Institute at the American Dental Association (Source: Vox)

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That’s why exploring dental insurance alternatives can be a game-changer. Before you renew your policy, ask yourself:

Am I actually saving money—or just going through the motions?

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A Smarter Solution: Our $39/Month Membership Plan

Think of it like a gym membership—but for your smile. For just $39 a month, our plan includes:

✔️ 2 professional dental cleaning visits per year with our expert team

✔️ 2 regular exams and screenings

✔️ All x-rays

✔️ 1 emergency exam

✔️ 10% off all other treatments, including fillings, veneers, crowns, implants, Invisalign, and more

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No deductibles. No waiting periods. No confusing paperwork. One of the dental insurance alternatives that is straightforward and gives you high-quality care with the comfort of knowing exactly what you’re paying for.

Whether you’re self-employed, recently retired, or in between jobs, oral health coverage often falls through the cracks. Our membership plan fills that gap with reliable, top-tier care—no paperwork required.

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Why Scottsdale Patients Are Loving This Dental Insurance Alternative

✔️ True Affordability – Most patients say the plan pays for itself after just one visit

✔️ No Insurance? No Problem – Ideal for those without coverage or frustrated with their current plan

✔️ Complete Transparency – No hidden fees or confusing claims

✔️ Exceptional Care – Receive the same trusted, patient-first care we’re known for—just at a better value

Designed With You in Mind

Dr. Alpers developed our Membership Plan as more than just a dental insurance alternative—it’s part of our mission to eliminate barriers and make exceptional care accessible.

We’ve seen firsthand how this plan helps patients feel more confident, reduces stress, and supports long-term health by making regular visits easier. That’s why our entire team stands behind it.

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What If I Already Have Dental Insurance?

If you have a dental plan, don’t worry - we're here to help you make the most of it. At Alpers Dentistry, we happily work with patients who have insurance, and we’ll do everything we can to help you maximize your benefits.

Our Membership Plan is simply an additional option for those looking for dental insurance alternatives that are more predictable, providing affordable care without the typical insurance headaches.

No matter your situation, we’ll guide you through your choices with clear, honest advice - always putting your needs first.

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Say Goodbye to Insurance Frustrations—and Hello to Something Better

If you’ve been wondering whether dental insurance is worth it, or exploring dental insurance alternatives, now’s the time to explore a better path forward.

Our Membership Plan is helping more Scottsdale families and individuals take control of their care—with less cost and more clarity.

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Ready to simplify your dental care?

Your healthiest, happiest smile is just a click away.

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