Which Dental insurance?

menotmoneyexpert

How do you choose?

p00pieb0tt0m

The quick answer is: plenty of research.

Consider the option of saving an amount each month rather than paying for premiums you may not get value out of.

dunstonh

Wouldnt bother. Cash cows like this only benefit the insurers.

There are more important things to spend your money on. You cant cover everything so you pick the things which are most important.

torbrex

I have a policy with Denplan, it was reccommended by my dentist and the level of the payments were set after an assessment by him. I get four visits a year for check-up and clean/polish and any work requiring done by my dentist is also free although I have to pay for lab work such as repair for a bridge or replacement crown to be made, I also have emergency overseas cover. The price has gone up every year at renewal by slightly more than inflation but I still see it as value for my money as long as I get my four check-ups for the same or less than it would cost with nhs. The other reason I stick with it is because I would not be a patient of this dentist without it and it took me ages to find a dentist that I liked.

flower_72

I have a plan with HSA. They have different levels. I chose the level of cover based on how much I spend on dentistry on average over a year. Although I have yet to claim anything with them, it seems that's the best option for me. I will get value for money from it.
I used to have another cash plan before and it helps to know that when I get a £190ish bill I can pay it and get my money back withing a few days.
It all depends on the state of your teeth, how much work has been done on them, how likely you are to have things done in the future and, I guess, whether your dentist is NHS or private.
Dunstonh is right, pick the thing that are important for you. I don't have house contents insurance myself but I wouldn't go without dental insurance!! My teeth first, the TV is bottom of the list!