Dental insurance discussion area

zzzLazyDaisy

boots_babe wrote:

Hmmm, I've been looking around this afternoon, and can't seem to see anywhere that covers wisdom tooth extraction in a hospital. This is something that I may need at some point - not immediately but in the next few years - so would prefer to cover this if possible.

Does ANYONE provide cover for this?

Hi Boots.. not sure if this has been covered, but your medical insurance would normally cover wisdom tooth extraction. I'm on Denplan for normal dental work, but I've got to have an impacted wisdon tooth removed and my dentist is referring me to a consultant at the local BUPA hospital under my medical insurance. Hope this helps.

SMB_2

dentist appoinment two thirty

ohreally

Can someone offer advice on Dental insurance plans. Which are the better ones to consider and which are the lemons to avoid ? What type of exclusions are commonplace? Generally, do you settle the dentists bill then claim it back from the insurer or do they take care of it? Thanks.

Smiley_Mum

The dentist usually assesses your dental health and grades you depending on how much dental treatment you are likely to require to maintain your teeth in good condition, then you pay your premium. I think they cover your basic treatments but anything like bridges, or root work or anything above basic work then you may well have to pay extra. I only really know about Denplan and that is basic. Checked the site but nothing comes up....

Would this site be of some help -

http://www.insuranceguide101.com/dental%2Dinsurance/?referrer=Adwords&keyword=insurance+dental&camp=Insurance&group=Dental

Jonni2bad

Well, I'm certainly no expert but.....

A colleague at work told me about the cost of Denplan (or something very similar) being related to the 'condition' of your teeth, and that the monthly cost for someone likely to need regular visits was very, very expensive.

To give you an idea of what a more general plan would cost and provide, I joined a Health Plan through my last employer and moved it to my new one last year. It's with HSF (The Hospital Saturday Fund) and I pay £26 per month which covers my whole family.

Typical benefits (max claim amount per year) are
Dental and Optical £400.00
Birth Grant £600.00
Physio, Osteopathy, Chiropractic etc etc £600.00
Specialist and Investigations £1,200.00
Hospital and Hospice (per night) £75.00
Recuperation (after 7 nights) £150.00
after 15 nights £225.00
Day Case Surgery and Treatment (per day) £75.00

There are many others - see http://www.hsf.eu.com/portal/ukg/singlePlan.asp?schemeID=13

With this plan you pay for your treatment and then claim it back from HSF. They pay by cheque and it takes about 2 or 3 days to sort.

The more you pay the greater the benefits but this plan works well for us. In the two years I have been a member I've paid in £624 in monthly contributions, but claimed well over £1k. By the way, I'm not at Death's door!

I had a specialist investigation arranged as a private patient, seen in two days rather than 3 weeks on the NHS, and the consultant was more than happy to bill me, let me send the bill away, and pay when I had received the cheque from HSF. He charged £85 per 15 mins... that was some bill. Just the peace of mind in having this plan is worth the money to me. And fingers crossed that the wife's current pregnancy goes according to plan, there will be another claim made for a £600 birth grant.

So, do you need more than £400 worth of dental treatment in a year? There is a 3 month qualifying rule though, so you would have to pay in £78 before claiming for dental work.

Hope this helps in some small way, best of luck.

ohreally

Jonni2bad wrote:

Hope this helps in some small way, best of luck.

It certainly gives me food for thought. Tbh, i have no (percieved) need for any of the other feilds covered by your policy therfore it's simply a dental type policy that i'm considering.

Thanks both and others feel free to give thier thoughts.

savvy

Hi ohreally, hope you do not mind, but I have merged your thread with this one to keep like topics/discussion, together to aid future searches.

thanks
savvy

Polly

I had six porcelain veneers fitted in 1989 which gave me no trouble at all. However, they only last a certain length of time and were replaced in 2003. Since then, three of them have shattered (at different times) resulting in embarrassment and inconvenience as I had to wait 2 weeks each time for the replacement to be made and fitted. So far my dentist has been very good and has replaced these free of charge but I'm anxious that this will happen again therefore I am looking for insurance cover. Have checked out the policies Martin referred to in last week's email but none particularly cover this eventuality. Can someone advise me please?

PrinceNuba

Hey Guys!

This is my very first posting so please forgive me for any errors. I am very new to all of this health plan stuff and I'm definately in need of some dental treatment which I've been quoted around £1000, but upon looking over BHSF's site, It looks like I wont be able to claim for at least 13 weeks (I don't think I can wait that long!). Is there anything that I can do to avoid having to cough up the full whack if any at all?

Any help greatly apprieciated.

heatherw_01

My husband can take out a dental insurance through his employer for £72 each a year. It will refund us for all NHS treatment.

It sounds pretty cheap as it covers basic examinations etc.

Any opinions or things I should look out for?