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  • FIRST POST
    • Nixia
    • By Nixia 13th Oct 16, 1:17 PM
    • 31Posts
    • 2Thanks
    Nixia
    Health/Dental Insurance Help
    • #1
    • 13th Oct 16, 1:17 PM
    Health/Dental Insurance Help 13th Oct 16 at 1:17 PM
    I've just finished uni and been hit with a £300 NHS dental bill. I've always had free treatment etc before, so I hadn't exactly budgeted for it (and I haven't been working long enough to save much - I'm actually still paying back student/moving debit (not just the student loan)).

    A pre-payment certificate is worth it for prescriptions, but I was wondering if I should be looking into health or dental insurance? I dont really understand what it covers, and none of my family has it.

    Finance wise, after bills, I go home with about £500, although that has to pay for food etc as well. Is dental and/or health insurance better than paying massive bills in one go?

    If so, which plans should I be looking at?

    I havent accepted the nhs treatment yet, so I might be able to delay it a few months. I'm sure it would count as a 'pre-existing condition' or something though.

    Edit: The current £300 bill isnt really what im asking about, as I am assuming its too late to do anything about. I just want to know if its worth paying these bills as lump sums or getting dental insurance for next time.
    Last edited by Nixia; 15-10-2016 at 1:49 PM.
Page 1
    • sheramber
    • By sheramber 13th Oct 16, 2:01 PM
    • 2,723 Posts
    • 2,108 Thanks
    sheramber
    • #2
    • 13th Oct 16, 2:01 PM
    • #2
    • 13th Oct 16, 2:01 PM
    Would you qualify under the NHS low income scheme

    http://www.nhs.uk/chq/Pages/1786.aspx
    • Nixia
    • By Nixia 13th Oct 16, 2:16 PM
    • 31 Posts
    • 2 Thanks
    Nixia
    • #3
    • 13th Oct 16, 2:16 PM
    • #3
    • 13th Oct 16, 2:16 PM
    No, thats why I used to get free treatment as a student though. I actually earn a good wage, I just live in a very expensive area (although in the cheapest accommodation I could find).
    • csgohan4
    • By csgohan4 13th Oct 16, 6:53 PM
    • 2,528 Posts
    • 1,566 Thanks
    csgohan4
    • #4
    • 13th Oct 16, 6:53 PM
    • #4
    • 13th Oct 16, 6:53 PM
    No, thats why I used to get free treatment as a student though. I actually earn a good wage, I just live in a very expensive area (although in the cheapest accommodation I could find).
    Originally posted by Nixia


    Then I am afraid you will need to pay. You had to have due diligence before allowing someone to do work either your teeth or your car.


    You can't get a service without knowing if you can pay for it or assume your entitled to it for free.


    I would pay it up, cut down for a month on your spending and chalk it off as a learning lesson.


    Failure to pay may result in a County Court judgement which could make it difficult for you to obtain credit in future and ruin your credit file.
    • beedeedee
    • By beedeedee 14th Oct 16, 6:46 AM
    • 880 Posts
    • 1,172 Thanks
    beedeedee
    • #5
    • 14th Oct 16, 6:46 AM
    • #5
    • 14th Oct 16, 6:46 AM
    In future, speak to your dentist beforehand and if he knows (and trusts you), he might let you pay it off a bit at a time?
    • GwylimT
    • By GwylimT 14th Oct 16, 6:53 AM
    • 5,435 Posts
    • 10,121 Thanks
    GwylimT
    • #6
    • 14th Oct 16, 6:53 AM
    • #6
    • 14th Oct 16, 6:53 AM
    OP clearly stated they haven't had the treatment yet, so I'm not sure why a CCJ is being thrown around.

    I have private health insurance, my dental premium is £9 per month, this covers two checkups a year and two hygienist visits, it also gives me a 20% discount on treatments whether I pay myself or claim. My dentist has a payment scheme where you can pay over 10 months with 0% interest.
    • Quentin
    • By Quentin 14th Oct 16, 7:27 AM
    • 30,246 Posts
    • 14,330 Thanks
    Quentin
    • #7
    • 14th Oct 16, 7:27 AM
    • #7
    • 14th Oct 16, 7:27 AM
    ......I havent accepted the nhs treatment yet, so I might be able to delay it a few months. I'm sure it would count as a 'pre-existing condition' or something though.
    Originally posted by Nixia
    You could consider taking out a simply health cash plan ( not a recommendation), but they cover dental claims from the day the policy starts irrespective of it being for pre existing conditions.

    Their maximum cover is around £200 a year, but you can cancel at any time (even after a claim) - if you get my drift!!
    Last edited by Quentin; 14-10-2016 at 4:12 PM.
    • csgohan4
    • By csgohan4 14th Oct 16, 7:44 AM
    • 2,528 Posts
    • 1,566 Thanks
    csgohan4
    • #8
    • 14th Oct 16, 7:44 AM
    • #8
    • 14th Oct 16, 7:44 AM
    OP clearly stated they haven't had the treatment yet, so I'm not sure why a CCJ is being thrown around.

    I have private health insurance, my dental premium is £9 per month, this covers two checkups a year and two hygienist visits, it also gives me a 20% discount on treatments whether I pay myself or claim. My dentist has a payment scheme where you can pay over 10 months with 0% interest.
    Originally posted by GwylimT


    In that case OP doesn't need to get the work done, OP has a choice, pay or delay treatment and potentially dental problem could get worse and costing more.
    • sheramber
    • By sheramber 14th Oct 16, 5:55 PM
    • 2,723 Posts
    • 2,108 Thanks
    sheramber
    • #9
    • 14th Oct 16, 5:55 PM
    • #9
    • 14th Oct 16, 5:55 PM
    Dental plans usually require a check up and any necessary work done before they cover you.
    • Quentin
    • By Quentin 14th Oct 16, 6:32 PM
    • 30,246 Posts
    • 14,330 Thanks
    Quentin
    Dental plans usually require a check up and any necessary work done before they cover you.
    Originally posted by sheramber
    Not with the cash plan mentioned in #7
    • McKneff
    • By McKneff 14th Oct 16, 6:39 PM
    • 34,735 Posts
    • 44,721 Thanks
    McKneff
    In your first post, you say you have been hit with a dental bill,

    I am conused7
    No one can make you feel inferior without your consent
    • Nixia
    • By Nixia 15th Oct 16, 1:24 PM
    • 31 Posts
    • 2 Thanks
    Nixia
    Then I am afraid you will need to pay. You had to have due diligence before allowing someone to do work either your teeth or your car.


    You can't get a service without knowing if you can pay for it or assume your entitled to it for free.


    I would pay it up, cut down for a month on your spending and chalk it off as a learning lesson.


    Failure to pay may result in a County Court judgement which could make it difficult for you to obtain credit in future and ruin your credit file.
    Originally posted by csgohan4
    I dont think you actually read the question. I never once said I wasnt going to pay something, or that I 'expected' anything to be free. Even if you assumed that I had the treatment already, I was asking about dental insurance so that I didnt get bills like this in future, not to avoid paying a current bill.

    I said that I used to get free treatment as so I didnt realise how expensive dental bills could get. I also said that I hadnt actually had the treatment yet (I know how much it is about to cost though, and that is quite unavoidable).

    I was just wondering if getting a health or dental plan in the future was a good idea... not to dispute my current dentist or situation. I not trying to get out of my current quote (just mentioned it at the end in case anyone had any clever ideas for spreading the cost - and someone did!).

    Is paying lump sums like this the most economical way, or is insurance a good idea?
    Last edited by Nixia; 15-10-2016 at 1:39 PM.
    • Nixia
    • By Nixia 15th Oct 16, 1:28 PM
    • 31 Posts
    • 2 Thanks
    Nixia
    Thanks for all the sensible answers . I know what treatment the dentist has recommended, but even they have said I could put it off for several months. I might just get it done now though, and look at plans for the future.
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