Dental Insurance for pre existing condition

mlk11

Hello there,


I'm visiting a private dentist who specializes in dental phobias. To cut a very long story short, I have a dental phobia from childhood and have not seen a dental in many many years but now biting the bullet and trying to turn over a new leaf. I'm not exaggerating in that my teeth are going to need a lot of work, the state of my teeth are embarrassing and has caused me a lot of issues throughout the years.



The dentist offers Denplan Care Plans, I am assuming this would not include pre existing conditions? Sounds too easy to pay £60 a month and the dentist will do a lot of work for relatively small amount of money.


My expectation is to give my teeth any sort of respectability is going to costs thousands of pounds, are there any dental insurance plans out there that might soften the financial blow?


Thank you very much.

brook2jack

All dental schemes like denplan require you to be dentally fit before you can sign up.

Some of the health care cash plans will pay a certain amount each year towards dental costs but you will not get out more than you paid in .

I'm afraid you will not be able to sign up to anything that will help you pay your costs of treatments.

However if money is an issue a dentist can refer you to a community dentist who specialise in treating dental phobics. However the waiting list is likely to be substantial but treatment is free.

Undervalued

brook2jack wrote: »

All dental schemes like denplan require you to be dentally fit before you can sign up.

Some of the health care cash plans will pay a certain amount each year towards dental costs but you will not get out more than you paid in .

I'm afraid you will not be able to sign up to anything that will help you pay your costs of treatments.

However if money is an issue a dentist can refer you to a community dentist who specialise in treating dental phobics. However the waiting list is likely to be substantial but treatment is free.

Which is completely understandable. No insurance, health or otherwise, will pay for problems that existed before you signed up.

Quite a few years ago we discussed on here the problem I had when I considered changing from what at the time was a frankly crumbling NHS only practice to a "middle of the road" private practice using Denplan.

My teeth were reasonably healthy although, like too many people my age, I have a fair number of large fillings. A very cursory initial checkup (nothing like the new patient procedure you describe on another thread) and a couple of X-Rays and I was told I "needed" about £400 worth of work before I could join Denplan, probably in band XX at £YY per month. However more problems might be discovered which might need more treatment and / or push me into a higher band.

I wasn't happy with the lack of certainty, you explained the reasons from a dentist's perspective, for which I was grateful and partially understood.

Regardless of the above I didn't get wonderful vibes about the dentist or indeed the whole setup. None of the proposed treatment was urgent, even they admitted that, so I decided to give it some thought for a month or two as by that time I learnt that the NHS practice owner had retired and it was being taken over.

The NHS place, now owned by somebody with a larger practice in another town, had a complete refit and a young (35??) year old dentist installed. So I decided to return there.

I contacted the private practice in an attempt to get my records. The wanted to charge me a fee (which was allowed back then) plus something like £30 each for copies of the X-Rays! I probably should have made an issue about this but I didn't.

Anyway I asked the new NHS chap to pay particular attention to the work that supposedly needed doing. He felt that only one of the three "issues"needed any attention and the other two haven't caused any problem seven years on!

A few years ago a friend, who was on Denplan, came to stay and unfortunately had an abscess flare up and needed emergency treatment. The pantomime Denplan made of trying to organise this was appalling. Meanwhile the refurbished NHS practice offered to fit her in after their last appointment of the day.

So I have not been left with a warm fuzzy feeling about the private sector. Hopefully others have had more luck!