Denplan Pre Existing Conditions

ILoveSittingDown

My employer offer dental insurance through Denplan which I am considering taking out but I am confused about their stance on pre-existing conditions.

On our work intranet there are links to a leaflet called 'Introducing Denplan' which states "All pre-existing conditions covered"

However on the intranet there is also a link to a 'Denplan Wellbeing Benefit Table' which contains an exclusions section which states the following is excluded "Any treatment which is noted in your dental records or on a treatment plan, has been recommended by or discussed with a dentist, is known by you or is currently taking place at the date your cover starts"

I am confused by this as the second statement seems to be entirely contradictory to the first statement, although both documents are from Denplan themselves. Have I misunderstood what is meant by the term 'pre-existing condition'?

I have tried to contact Denplan but gave up after 40 minutes on hold so thought I'd try on here instead.

user1977

ILoveSittingDown said:

I am confused by this as the second statement seems to be entirely contradictory to the first statement, although both documents are from Denplan themselves. Have I misunderstood what is meant by the term 'pre-existing condition'?

Yes, they seem to be only excluded current on-going courses of treatment.

ILoveSittingDown

Ah ok so if for example I knew I had an issue with my teeth at the point that my cover starts, it would be covered as long as it's not being treated/on a treatment plan/been discussed with a dentist?

DullGreyGuy

ILoveSittingDown said:

Ah ok so if for example I knew I had an issue with my teeth at the point that my cover starts, it would be covered as long as it's not being treated/on a treatment plan/been discussed with a dentist?

Having not seen the exact wordings but what you have said, that would be my interpretation.... if you have tooth ache or crack a tooth you can go buy insurance and they'd cover it. See a dentist about it and find out how much it'll cost you, then its too late for this issue. 

ILoveSittingDown

Makes sense, thanks