Dental Insurance

SparkyG

mrsbez wrote:

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

I found that when I joined online it was impossible to see the terms and conditions until right near the end of the process, which is a bit annoying:mad: But you can go through the procedure until you get to the t and c's and then not continue if you so wish.

As far as I can see treatment covers all the usual: fillings, extractions, crowns, bridges and dentures. It does not cover implants, veneers or any cosmetic treatment. Unusually, it covers sedation and mouthguards which wasn't covered by the Boots dental plan.

HTH

SparkyG

boots_babe

mrsbez - if you want to PM me with your email address I'd be happy to send the Ts and Cs over to you.

laurajayne

When I found out how much work I needed (approx £1.5k) for dentistry, that day a HSA leaflet dropped through my door. It said that there was no waiting period before I could start claiming (apart from the materinity benefit).

I called the nice lady at HSA, and she confirmed this for me, even though I said I needed a root canal treatment and crown.

So I did lol - got my entire entitlement...in actual fact so far, with dentists, hospitalisation etc, they've paid me more than I've paid them think I'll cancel now......;)

SparkyG

I'm a bit confused . It now says on the website that there is a 3 month qualifiying period before you can claim for treatment, but routine maintenance is covered from day one.

I sent a email to HSA and they replied today, as my husband is due for a check-up next month. They stated the check-up will be covered (took out policy with them yesterday) but he won't be able to claim for any treatment if necessary, until the 5th February.

Have they just changed the t and c's?

SparkyG

boots_babe

mrsbez - you've got mail.

SparkyG - apparently this is a fairly new plan, hence why Ts and Cs are not yet on the website. On the Ts and Cs they sent me last week when I took out a new policy it says maintenance consists of checkups, investigations, scaling, X-rays and hygienist.

Whereas treatment include crowns, bridges, white fillings and dentures, plus anaesthetist and lab fees.

So yes, a checkup will be covered immediately, but you'd have to wait till Feb for any treatment needed.

However under the Health Plan - which has a dental benefit included also - there is no mention of a qualifying period.

SparkyG

boots_babe wrote:

So yes, a checkup will be covered immediately, but you'd have to wait till Feb for any treatment needed. I'm just wondering, the leaflet you had through saying you could claim immediately for dental, are you sure it wasn't for their Health Cash Plan? This also has a dental element and doesn't mention anything about a qualifying period. Just wondered seeing as you mentioned maternity benefit, which I cannot see mentioned on the Dental plan, but it is mentioned as a benefit on the Health Plan.

That wasn't me who posted those comments:D

SparkyG

boots_babe

Oops sorry, misread and muddled the posts! Have now amended what I've put

Bossyboots

I thought they only paid up to 50% of your claim. Has that now changed or does it depend on how much you pay per month. I have some work that needs doing and have considered HSA for a while so now might be a good time to join.

jo_b_2

Just a reminder that HSA aren't the only provider of dental/healthcare cashback and might not necessarily be the cheapest.

Martin has written an article comparing the different schemes HERE

SparkyG

jo_b wrote:

Just a reminder that HSA aren't the only provider of dental/healthcare cashback and might not necessarily be the cheapest.

Martin has written an article comparing the different schemes HERE

That article is dated June 2005 and is way out of date:D

The new HSA dental plan was launched in Oct 2006 and appears to beats all the others hands down.

I'm not working for them or promoting them, just pointing out a good deal, ie. a money saving deal:j

SparkyG