Dental Insurance Plans UK

Ladywriter1968

I was looking at dental insurance as its so expensive now, even NHS charges are high if you need a crown.

I think if you pay a dental insurance monthly then the insurance should pay the dentist directly once treatment is done, not expect the patient to pay up first and then claim it back and have to wait for it.

The idea of joining an insurance is because the person cant afford to pull up hundreds of pounds in the first place, other wise they would not bother with insurance would they. So now I wonder if there is any point me joining one? Maybe I was looking at wrong plans and maybe there are ones who pay dentist directly for treatment?

what do you think about insurance dental plans?

duchesspink1

you'll be lucky to find one that pays the dentist directly. Most of the insurances have to be paid to the surgery then you claim back using your receipt and usually its only a small amount that they pay.

Nhs dentistry is capped though and you never would pay more than £300 odd for anything in one course of treatment. (im in northern ireland and its cheaper under the english and welsh systems)

Denplan is a private membership scheme run in a lot of dental surgeries where you pay a fixed amount every month and it covers you for your routine dental treatments. You don't pay anything else extra to the dentist except for lab fee's which are the costs to the dentist for the crowns being made in a lab. You have to be dentally fit to be accepted onto denplan though.

Ladywriter1968

duchesspink1 wrote: »

you'll be lucky to find one that pays the dentist directly. Most of the insurances have to be paid to the surgery then you claim back using your receipt and usually its only a small amount that they pay.

Nhs dentistry is capped though and you never would pay more than £300 odd for anything in one course of treatment. (im in northern ireland and its cheaper under the english and welsh systems)

Denplan is a private membership scheme run in a lot of dental surgeries where you pay a fixed amount every month and it covers you for your routine dental treatments. You don't pay anything else extra to the dentist except for lab fee's which are the costs to the dentist for the crowns being made in a lab. You have to be dentally fit to be accepted onto denplan though.

Hi thanks for reply, its not worth me having insurance for teeth then really. May as well just save up the money and pay it. Oh I will look up the Denplan one though. thanks, but the others I saw wasnt very good.

Ladywriter1968

duchesspink1 wrote: »

you'll be lucky to find one that pays the dentist directly. Most of the insurances have to be paid to the surgery then you claim back using your receipt and usually its only a small amount that they pay.

Nhs dentistry is capped though and you never would pay more than £300 odd for anything in one course of treatment. (im in northern ireland and its cheaper under the english and welsh systems)

Denplan is a private membership scheme run in a lot of dental surgeries where you pay a fixed amount every month and it covers you for your routine dental treatments. You don't pay anything else extra to the dentist except for lab fee's which are the costs to the dentist for the crowns being made in a lab. You have to be dentally fit to be accepted onto denplan though.

I searched and my dentist does Denplan, I will look into it and enquire tomorrow when I see my dentist, thanks

duchesspink1

Denplan is def the best one to pay into although it doesn't cover NHS treatment, but you'll get private treatment for your money which is honestly better value (imo)

pm me if you need any help or need to know more.

Ladywriter1968

duchesspink1 wrote: »

Denplan is def the best one to pay into although it doesn't cover NHS treatment, but you'll get private treatment for your money which is honestly better value (imo)

pm me if you need any help or need to know more.

today I saw dentist as had pain one side after anything go near it, I thought it was the crown but it was sensitivity and dentist treated it and said it will take a while to fix. Since the crown tooth bit underneath he said has no nerve in it anyway. When I mean fix I mean he charge me 17.50 put this stuff on it and said for me to use sensodene for 3wk x 2 a day to help it, if that dont work then to return.

I have quite a few crowns at the back really. Cause my back teeth got sick a few years ago, why they got sick I can only assume its since wisdom teeth removal in the past that caused this, as they was fine before hand. I was with a different dentist then though.

I spoke to receptionist and she said its only worth having if I am a regular visitor otherwise could end up paying out a fortune for nothing.

Ladywriter1968

duchesspink1 wrote: »

you'll be lucky to find one that pays the dentist directly. Most of the insurances have to be paid to the surgery then you claim back using your receipt and usually its only a small amount that they pay.

Nhs dentistry is capped though and you never would pay more than £300 odd for anything in one course of treatment. (im in northern ireland and its cheaper under the english and welsh systems)

Denplan is a private membership scheme run in a lot of dental surgeries where you pay a fixed amount every month and it covers you for your routine dental treatments. You don't pay anything else extra to the dentist except for lab fee's which are the costs to the dentist for the crowns being made in a lab. You have to be dentally fit to be accepted onto denplan though.

Can I ask roughly how many times per year do you go, or are you a regular visitor?
Do you feel what you pay into Denplan is less then what it would cost you if you paid on each visit?

See I use the nhs costing one as I cant afford private. I even struggle to pay nhs costs to be honest. Although it may not be nothing to some people, but when you have bills to pay etc and just about manage to live on what you have its hard. Especially if it had been a crown and then to be hit with £210 bill just like that. I know that private charge hundreds more.