Dental Insurance

SparkyG

mae wrote: »

Sorry I can't help re Boots plan but when you look at new ones also look at HSA Dental Plan as they are very good too. Hopefully someone be along who can help you answer your question.

Hi Mae,

I'm on the HSA plan at the moment, but Tesco have produced an identical plan and have undercut HSA by £1 a month, and have also given a benefit level of 80% of cost of treatment, as opposed to HSA at 75%.

I will be changing as soon as my year is up!:D

mae

Oh right I'll have a look at that it sounds good. Remember you get cash back through Quidco not sure if Tesco is eligible I will check.

SkintMonkey

I was wondering if it is worth having HSA cover? It was useful when I had a couple of fillings I guess, but then when you look at what we pay out every year, not sure whether we really gain...

Saying that, I guess if either of us had serious problems in the future we would probably be glad we had it. I'm looking to make cuts in our expenditure and am hovering over this one at the moment.

Keeping_Motivated

The terms and conditions have changed for this year so read them carefully. I don't think they are as good as they used to be. I joined last July so until July I am under the 'old' terms so it benefits me but after July I will look at alternatives as I don't think the new terms are worth it for £17 that I pay.

Someone mentioned Tesco but I have not looked at them as yet.

HTH

Penny-Pincher!!

I think HSA are great and ideal for our needs. DD is partially sighted and needs glasses every 6 months and OH needs them annually. I get mine every 18-24 months. We pay £21 pm...so £252.00 per year. We also have regular dental treatments which are mainly covered by the NHS but sometimes we have to top up and have also used the consultancy fees etc. In October I was in hospital for 2 weeks and got over £400 back. Have also used the oestiopath (sp). Have normally always got back what we have paid in and if we do have any emergenices, then we are at least half covered.

PP
xx

Keeping_Motivated

Oh sorry my post was purely about the HSA dental policy. The general one that you are talking about may well be worth it. My opinion above is solely on the Dental Policy so OP may want to ignore it. Thanks

dawnybabes

I use http://www.westfieldhealth.com/

They run as a not for profit and all the profits get ploughed back to the hospitals.

Never had any problems with them and have been with them for 20+ years

SparkyG

HSA have changed their t&c's recently, and IMO no longer give good VFM. I was with them for a couple of years but have now changed to Tesco dental insurance which has much better benefits. Just hope they don't change their t&c's once they've got the punters suckered in!!;)

SkintMonkey

Sorry, I should clarify I did mean dental insurance. I'm thinking we should really look around as not sure whether HSA is really the best deal anymore.

Moomin

I have been putting off going to the dentist for 14 months. The last time I went, I had 4 * £80 30min-1 hour sessions on NHS rates (plus the original check-up+filling etc visit) for surgical hygiene treatment of my gums. Consisted of numerous injections plus cleaning out rubbish underneath my puffed gums and then antiseptic anti-bacterial wash afterwards. Something like that. I was advised to have this treatment every 6 months or so :eek:

I keep meaning to go back, but because this treatment is so expensive, I keep meaning to take on dental insurance. But I am not sure if there are any plans that would cover this treatment. And I also notice that you have to have had a plan for at least 3 months before you can start using against treatment.]

Any advice?

Thanks in advance