Soon to be a new patient at dentist. Want to join a pay monthly plan while on a dmp,

another_casualty

Howdy ! I have enough cash put aside to pay for full treatment which I require . However, I think it makes sense to go,on a payment plan , as I will be going for six monthly checkups/ hygienist clean etc and of course the imminent fillings as well.
I am 5 years through a dmp, which will be settled one way or another this year.
My question is: will being on a dmp prevent me from going on a payment plan with the dentist ? As I say , I will have enough money for treatments , but don't want to die of embarsssment when the computer says "no"
Thanks

Undervalued

another_casualty wrote: »

Howdy ! I have enough cash put aside to pay for full treatment which I require . However, I think it makes sense to go,on a payment plan , as I will be going for six monthly checkups/ hygienist clean etc and of course the imminent fillings as well.
I am 5 years through a dmp, which will be settled one way or another this year.
My question is: will being on a dmp prevent me from going on a payment plan with the dentist ? As I say , I will have enough money for treatments , but don't want to die of embarsssment when the computer says "no"
Thanks

I imagine it would as with any (well certainly most) types of insurance you are paying an annual premium effectively on HP even if the interest rate is zero. You can't normally cancel early if, for example, you had lots of expensive treatment in the first few months. There would either be hefty cancellation fee or an obligation to pay for the year. So a credit check would be involved.

I have to ask, with a DMP, why you are choosing to pay for private dental treatment rather than use the NHS?

Torry_Quine

I wonder too why you are choosing to go private rather than NHS considering your financial position

Toothsmith

I don't think there are any credit checks with any of the dental payment plans.

So long as you keep paying it, you will be covered for the treatments the plan includes, and should you stop paying it - you won't be! So there is no financial risk to the practice signing you up, or the plan provider.

I am not wondering why you see dental health as a priority

Undervalued

Toothsmith wrote: »

I don't think there are any credit checks with any of the dental payment plans.

So long as you keep paying it, you will be covered for the treatments the plan includes, and should you stop paying it - you won't be! So there is no financial risk to the practice signing you up, or the plan provider.

I am not wondering why you see dental health as a priority

But have you not said, many times, that the NHS provides the necessary treatment to ensure dental health (as opposed to more cosmetically pleasing solutions)?

Torry_Quine

Undervalued wrote: »

But have you not said, many times, that the NHS provides the necessary treatment to ensure dental health (as opposed to more cosmetically pleasing solutions)?

Exactly. My dental health is important to me but I use the NHS.

teddysmum

Is wanting to take up a plan, knowing that fillings will be needed not the same as trying to take any health insurance ( human or animal) for a pre-existing condition, in which case the cover is refused ?

another_casualty

Thanks for your replies and help.
Why not nhs? Finding one seems to be extremely difficult .
I've gone through/ and still going through a life changing experience.
I am unemployed at the moment because of that , and cannot sign on until mid may . Unfortunately , I will be deemed to have too much savings despite hardly ever being unemployed since leaving school.

I have always been a private patient since the. Mid'80s and thought that once you went private , you stayed private . Younger and naive .

However, I think it's best to just get on with it and start treatments
ASAP. I'm also wondering : if accepted to a dental pay scheme , is it best to start paying for the payment plan, or start paying for treatments first?
Thanks
Forgot to mention : going back a few years, I had a scheme at work , where my employers would take a minimal sum from my wages and I was covered for a few hundred pounds each year .it was a healthcare type thing

Undervalued

another_casualty wrote: »

Thanks for your replies and help.
Why not nhs? Finding one seems to be extremely difficult .
I've gone through/ and still going through a life changing experience.
I am unemployed at the moment because of that , and cannot sign on until mid may . Unfortunately , I will be deemed to have too much savings despite hardly ever being unemployed since leaving school.

I have always been a private patient since the. Mid'80s and thought that once you went private , you stayed private . Younger and naive .

However, I think it's best to just get on with it and start treatments
ASAP. I'm also wondering : if accepted to a dental pay scheme , is it best to start paying for the payment plan, or start paying for treatments first?
Thanks
Forgot to mention : going back a few years, I had a scheme at work , where my employers would take a minimal sum from my wages and I was covered for a few hundred pounds each year .it was a healthcare type thing

Well when I investigated it you had to be up to date (dentally fit) before you could join DenPlan or similar. I can't imagine alternatives will be any different otherwise it would be like looking for house insurance after your roof has been blown off!

If you need a significant amount of fillings etc it will cost you hundreds of pounds privately. That it why I wondered if a NHS band two treatment (c. £50 unless you qualify for free) would be a far cheaper way of getting up to date. Then, if you can afford it, go private.

Toothsmith

Undervalued wrote: »

But have you not said, many times, that the NHS provides the necessary treatment to ensure dental health (as opposed to more cosmetically pleasing solutions)?

There is more to dentistry that necessary TREATMENT (Or cosmetic 'options')

Torry_Quine

another_casualty wrote: »

Thanks for your replies and help.
Why not nhs? Finding one seems to be extremely difficult .
I've gone through/ and still going through a life changing experience.
I am unemployed at the moment because of that , and cannot sign on until mid may . Unfortunately , I will be deemed to have too much savings despite hardly ever being unemployed since leaving school.

I have always been a private patient since the. Mid'80s and thought that once you went private , you stayed private . Younger and naive .

However, I think it's best to just get on with it and start treatments
ASAP. I'm also wondering : if accepted to a dental pay scheme , is it best to start paying for the payment plan, or start paying for treatments first?
Thanks
Forgot to mention : going back a few years, I had a scheme at work , where my employers would take a minimal sum from my wages and I was covered for a few hundred pounds each year .it was a healthcare type thing

If you've hardly been unemployed can you get contribution based JSA?

Just because you've been private doesn't stop you getting an NHS dentist