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Dental insurance covering braces for children?
Rollercoaster
Posts: 14 Forumite
I have three children and I've heard that it is increasingly hard to get the NHS to cover braces. If all three were to need them I couldn't afford it, so I'm wondered if I could get some dental insurance. However none of the companies I've found so far cover braces, so I'm hoping that someone out there may know of one. Can anyone help?
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Comments
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If braces are needed to correct teeth then the nhs will pay for them. If you are taking them for regular dental check ups then the dentist will advise you if he/she feels braces are a necessity or refer your child to a dental hospital.The nhs won't pay for things they consider cosmetic.
There seems to be a strange fashion going on at the moment where to have braces is considered cool.
They've always been ugly old things to me & to my son who had to have them, so it's beyond my comprehension why kids would want lums of ugly old metal in their mouths unnecessarily. Strange times we live in. The bigger the bargain, the better I feel.
I should mention that there's only one of me, don't confuse me with others of the same name.0 -
The NHS will cover them if the IOTN (Index of Orthodontic Treatment Need) is high enough. This includs the vast majority of kids that 'need' it, but there will always be a few on the borders who don't qualify.
An insurance company isn't going to make money unless more money is paid in than is taken out, so I doubt there will be a policy that would 'cover' your child once it's been established they should have treatment, and it needs to be paid for.
Most ortho treatment takes a couple of years, and most orthodontists are happy to take payment over the whole length of the treatment.
Really though, the best thing to do is to start a savings account from as young as possible 'just in case'. If it's needed, it's there, if it isn't, then it's a nice holiday!!How to find a dentist.
1. Get recommendations from friends/family/neighbours/etc.
2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
3. Assess the helpfulness of the staff and the level of the facilities.
4. Only book initial appointment when you find a place you are happy with.0 -
It costs £200 for the horrible ugly brace through the NHS. So really it is not alot.Motto: 'If you don't ask, you don't get!!'
Remember to say thank you to people who help you out!
Also, thank you to people who help me out.0 -
TEDDYRUKSPIN wrote: »It costs £200 for the horrible ugly brace through the NHS. So really it is not alot.
If the kids qualify for NHS ortho treatment, it's free.
If they don't - a private course is about £2000 - £2500 ish. But payable usually as a deposit, and then in regular amounts over the 2 years it usually takes.
Braces aren't really considered 'horrible and ugly' by kids any more - they generally see them as quite cool these days.How to find a dentist.
1. Get recommendations from friends/family/neighbours/etc.
2. Once you have a short-list, VISIT the practices - dont just phone. Go on the pretext of getting a Practice Leaflet.
3. Assess the helpfulness of the staff and the level of the facilities.
4. Only book initial appointment when you find a place you are happy with.0
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