Dental insurance discussion area

System

or even places who do just dental insurance would be great.

mdavis1982

Hi all...

I was wondering if anyone had any advice on good dental insurance plans? I have just visited a dentist (I had to go to a sedation dentist clinic because I have a fear of the dentist), and I need to have a tooth out and about 6 fillings.

I have 4 appointments to go for sedation, and I'm worried about the cost.

I was thinking that because I go to the dentist regularly for work, that maybe it would be cheaper in the long run to have some insurance to cut down my overall costs.

Any advice would be greatly appreciated!

Thanks,

Matt

Bossyboots

mdavis1982 wrote:

Hi all...

I was wondering if anyone had any advice on good dental insurance plans? I have just visited a dentist (I had to go to a sedation dentist clinic because I have a fear of the dentist), and I need to have a tooth out and about 6 fillings.

I have 4 appointments to go for sedation, and I'm worried about the cost.

I was thinking that because I go to the dentist regularly for work, that maybe it would be cheaper in the long run to have some insurance to cut down my overall costs.

Any advice would be greatly appreciated!

Thanks,

Matt

The thing is, most of these plans when I looked into them required you to have had an "all clear" checkup before taking it out. They do not cover work that needed doing before the plan was taken out.

However, this site might be of help. I am going to consider these myself. http://www.denplan.co.uk/patients.htm

greenwich

Try asking your dentist about insurance. Whenever I go, I always see leaflets about dental insurance in the waiting room. Since the dentists get commission for selling these policies, I dare say they'd be happy to help you!

ronaldmacdonald

mdavis1982 wrote:

I need to have a tooth out and about 6 fillings.....
...because I go to the dentist regularly for work

Dude! What's going on? How can you go to the dentist on a regular basis and then all of a sudden he/she says "Well Sir, today you will mostly need an extraction and 6 fillings! :eek: ". Sue!

I needed 6 fillings and an extraction/root treatment BUT I never went to a dentist for 16 years!! (until they started dropping out!). Obviously I wasn't the biggest fan of dentists.

Problem you may find is that some plans have a 6 month "cool down" period where they will not cough up for treatment that was diagnosed before you took out the plan, or will need a statement from your dentist that yout teeth are already in good nick.

millie

I have Boots dental insurance £9 per month which pays for 100% of the treatment subject to limits of so many fillings etc. per year. You need to have been to a dentist in the last 12 months, and you can only claim for emergency treatment in the 1st 3 months, but after that it is really good.

Bossyboots

The boots plan does not cover you for treatment you were aware of before joining up.

mdavis1982

Thanks for all the replies... My internet connection has been down so I haven't been able to reply!

The problem is that I had a crap dentist before and I had quite a lot of work done with him. Now, most of the stuff he did needs to be replaced because 2 of the fillings are leaking, he put a temporary filling on a tooth that needed a proper one and now it's infected and various other bits and bobs that may have been caused by him.

I looked at the DenPlan cover, and I didn't notice anything that said it wouldn't cover work that was already diagnosed as being required before joining up but it would make sense if that was the case.

I think I'll call the dentist I switched to on Monday to see what they can offer me in the way of insurance or payment schemes because I've a feeling this is going to cost me a LOT of money.

If anyone else has any information on products or suggestions, that would be excellent!

Thanks!

Matt

ksh123

Hi
I've just been on Moneysupermarket and their best plan is by Universal Provident at a very good value £5.95 per month and NO qualifying period!!
Does anyone have any experience of this company re claims etc. Their cover includes up to a £1000 a year for treatment.

On another tack - what does pre-existing conditions mean? Does that mean that all old fillings are NOT covered if they need relacing etc?

thanks

Toothsmith

greenwich wrote:

Try asking your dentist about insurance. Whenever I go, I always see leaflets about dental insurance in the waiting room. Since the dentists get commission for selling these policies, I dare say they'd be happy to help you!

I've only just found this thread!

There are very strict rules on receiving commission for selling insurance. If anybody does receive commission, they have to be registered with the Financial Services Authority, and have taken out appropriate liability insurance to cover misselling etc.

The cost of registration and indemnity insurance is far more than a dentist could make from the odd bit of commission from the occasional patient who might sign up onto one of these schemes would generate.

Consequently dentists do not get a commission for any insurance products that a patient may happen to take up from leaflets in the waiting room.

Also, capitation products such as Denplan etc have to be very careful that they are not confused with insurance products, and that the small insurance part of the agreement that covers emergencies away from your own dentist, or accidental damage cover has to be shown to come from Denplan, rather than from your dentist. Confusing!!!