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Healthcare Cash plans

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Hello,

I'm looking for at cash plans. I like the look of the Bolton one; what are your opinions of this company?

One catch is this six month wait. Does this mean that if you join in Jan 07 you cannot get refunds for anythiong done before Jul 07, or can you claim for Jan-Jun in July?

If you are excluded for Jan-Jun, does this mean you will never break-even in the first year of membership?

It seems these are great if you need dental and optical check-ups. If you have good eyes and gfood teeth and just need the occaisional check-up is there a good policy for you? Our dentist is about to stop NHS work and I wonder whether a policy exists that would pay for private work if we stay-on?

Thanks.

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