Dental Insurance

Bossyboots

ts_aly2000 wrote:

The NHS triage process is .....ridiculous. BUT. Once you're in the system and part of it, things do indeed run much more smoothly.

This is one of those issues that if you have a good experience you think the above and if you have a bad experience you think the opposite.

Having been referred to hospitals, and different hospitals for four different things in the last three years, I have certainly found that being in the system does not make it run any more smoothly.

boots_babe

Hi,

I have just found out I need to have a fair bit of dental work done. I am covered by my husband's company dental policy, but the payouts are not that high (this is for private by the way, can't get an NHS dentist).

Just stumbled across the HSA dental policy, and looking on their site it seems to say that you can claim for dental work after 3 months. Now this seemed odd, as everyone else needs you to have a 'clear' dental checkup before you can take out a policy with them - otherwise you would of course sign up as soon as you know you need work doing!

So I just called HSA, and the lady I spoke to confirmed that I could sign up, wait 3 months, and then start claiming - even if it was ongoing work that I already knew about.

This seems SO very hard to believe. I was wondering, does anybody have one of these policies or know any more than I can find on their web site? I just cannot believe that they would happily sign you up and let you claim for things you knew about after 3 months??

Thanks.

WelshLamb

Interesting! did you find any more about this boots_babe?

boots_babe

Yes I did actually. I have since emailed HSA - so that I at least had a response in writing. I specifically said that I need some work doing, and could they confirm that even though I knew about needing work, I could sign up, and start claiming for it as long as I waited for 3 months.

They wrote back and confirmed that this is the case! :T They also attached a copy of the dental policy Ts and Cs and I have read through them all very carefully. So I signed up this week as soon as HSA came back onto Quidco. I need about £1500 of work doing, so for £17 per month (the highest level of cover) which is £204 over the year, I'll get 75% of the £1500 for free!! So extremely pleased.

HTH.

jillie1974

just a word of caution... you actually have to pay up front with HSA and then send the receipts and they put the cash in your account. i was with them for a few years but gave up a while ago..

boots_babe

I think this is the case with all cashplans - it would only be dental insurance where you would have a chance of not paying up front. Surely it makes no difference as in the end you get 75% of the fees paid for though?

SparkyG

Have just signed up myself and my partner for the HSA plan. I have also gone for the highest level, £17 a month. The cover seems to be very good. I have been on the Boots dental plan for the last 3 years and have been paying £19.50 a month just for myself, and the benefits aren't so generous.

Thank you very much for posting about the HSA plan :T

SparkyG

Savvy_Sue

boots_babe wrote:

I think this is the case with all cashplans - it would only be dental insurance where you would have a chance of not paying up front. Surely it makes no difference as in the end you get 75% of the fees paid for though?

As long as you remember to send off your receipts - which for that amount of money won't be hard! :rotfl:

mrsbez_2

I'm interested in the plan as my OH hasn't been to the dentist for ages and will prob need alot of work done.

I've emailed HSA to ask what the treatment covers, just wondered if anyone knows of any exceptions to what they class as treatment??

Februarycat

They are very good HSA, been a member for many years. They also pay back your money very quick.