Dental Insurance

keatergreyhound

Sorry just a quick question does it not cover you for a fixed amount eg £200 towards a claim. Im a member of another plan but that obly cover you for £200 per year hence im thinkind id be better of with HSA

boots_babe

It covers you up to £2000 per year for dental treatment, depending on which level of cover you choose. Can't remember the limits for routine stuff such as checkups etc.

Just go to www.hsa.co.uk, click on Dental Plan, then click Join Now, and the next page give you all the info on levels of cover.

Greenwellies_2

Hi,

I need a crown (used to be a dental nurse, so I have a good idea what I need)
I've just phoned my NHS dentist, (who I worked for) and I was told it's £175 for a metal (not white) crown.

I already have an appointment booked for monday, so I was wondering whether it's worth taking out the level 1 policy. (sureley I could get the £20 back straight away as it's maintenance?)

I'd be really interested in people'e thoughts.

Thanks

GW

Toothsmith

That's not an NHS fee.

Crowns are a Band 3 treatment on the NHS, and the Band 3 charge is £189

Greenwellies_2

Toothsmith wrote:

That's not an NHS fee.

Crowns are a Band 3 treatment on the NHS, and the Band 3 charge is £189

Maybe I mis-heard her. But it was, as you say band 3. Even if it is £189, I could cope with this for a while (3mths) and then only pay £47.25.

So my calculations are:
12 x £7pm = £84.00
75% of 189 = 47.25
Total spent: £131.25

Saving: £57.75

In addition to that, because of the timescale I would benefit from a check up next week - £15.50. (maintenance?)

Or have I got it wrong??

GW

VickyM_2

Another question - does anyone know if this covers Periodontal work, on your gums?? If I could reclaim 75% of the cost that would make me very very happy...

Any ideas anyone?

boots_babe

Ts and Cs say the following about maintenance cover:

We will pay you, 75% of the total cost you pay directly to the dentist or specialist for dental treatment covered by this policy, up to the appropriate maximum entitlement available in your claiming year.
What is covered
• Treatment required after a three-month qualifying period which commences on your registration date, including:
– Permanent treatment or temporary treatment provided by a dentist or specialist
– Anaesthetic fees, including intravenous sedation
– Gum-shields provided by a dentist or specialist
– Dental crowns, bridges and white fillings
– Dentures
– Laboratory fees and Dental Technician fees referred by a dentist or specialist

What is not covered
• General exclusions
• Any treatment required within a three-month qualifying
period which commences on your registration date
• Unnecessary treatment

General exclusions
We will not provide cover for:
• Charges made by a dentist, specialist, doctor or other professional for completing the claim form
• Dental consumables, including but not limited to toothbrushes, mouthwash and dental floss
• Dental practice plan premiums and dental insurance premiums
• Joining fees
• Missed appointment fees and administration fees
• Dental prescription charges
• Laboratory fees and dental technician fees in isolation
• Claims relating to treatment carried out outside of a normal dental surgery, including but not limited to removal of impacted teeth carried out in a hospital
• Orthodontic treatment
• Cosmetic procedures
• Dental veneers
• Tooth whitening, including but not limited to laser whitening
• Claims relating to treatment arising directly or indirectly
from
– you participating in a criminal act
– your abuse of alcohol or drugs
– deliberate self-inflicted injury
– Damage to dentures whilst not being worn
– Treatment required as a result of war or terrorist activity

VickyM_2

Boots-babe, thanks so much for that. It does look like I could sign up today, arrange to have at least some of my periodontal treatment (the most expensive bit) in March and then claim back 75% of the cost - as this is going to be £1500 I think it could be well worth doing.

Now all I have to do is work out whether it's also worth cancelling Denplan, seeing as the Maintenance payout is £150, and I'm not sure if that will cover all my trips to my regular hygenist... hm... off to do some thinking and some maths!!

boots_babe

If you sign up don't forget to go via Quidco for casback

Toothsmith

VickyM wrote:

Boots-babe, thanks so much for that. It does look like I could sign up today, arrange to have at least some of my periodontal treatment (the most expensive bit) in March and then claim back 75% of the cost - as this is going to be £1500 I think it could be well worth doing.

Now all I have to do is work out whether it's also worth cancelling Denplan, seeing as the Maintenance payout is £150, and I'm not sure if that will cover all my trips to my regular hygenist... hm... off to do some thinking and some maths!!

Remember that Denplan covers ALL your dental treatment with the exception of laboratory fees, with no limits.

Also there is the accident and emergency insurance cover included in the Denplan payment.

But Denplan will not cover specialist Periodontist fees, just the care at your regular dentist.

I'm not sure what the upper limit is on HSA payouts, but I think you'll be lucky to get 75% of £1500