Dental Insurance

RainbowsInTheSpray

There seems to be no place on MSE for this matter - the last thread I can find on 'health and beauty' relating to it petered out in 2021.

OH and I belong to a dental practice which has a 'payment plan'. This offers for a fee a number of perks. Basically your check ups are 'free' and you get 10% off the cost of private treatment.

Recently the monthly charge went through the roof with very little given by way of explanation.

This prompts me to ask whether I can get this kind of plan independently and claim back whatever perks are included via presentation of receipts.

In essence, I want to compare in the same way as I can for house or car insurance.

Can anyone help?

mebu60

Insurances such as Denplan likely to be more expensive as they include cover for treatments (excluding disbursements) but you could get a quote to see how it compares. Other providers are available.

DullGreyGuy

RainbowsInTheSpray said:

There seems to be no place on MSE for this matter - the last thread I can find on 'health and beauty' relating to it petered out in 2021.

OH and I belong to a dental practice which has a 'payment plan'. This offers for a fee a number of perks. Basically your check ups are 'free' and you get 10% off the cost of private treatment.

Recently the monthly charge went through the roof with very little given by way of explanation.

This prompts me to ask whether I can get this kind of plan independently and claim back whatever perks are included via presentation of receipts.

In essence, I want to compare in the same way as I can for house or car insurance.

Can anyone help?

There is a subform  dedicated to insurance & life assurance, however technically there is much dental insurance out there for people to buy (there is for businesses) but there are a wide range of cash plans

Cash plans traditionally are where you pay a modest monthly premium and can get fixed costs back if you need to claim. These can be specifically focused on dental or can be a broader health plan covering opticians, physio etc. MSE has a page on them https://www.moneysavingexpert.com/insurance/healthcare-cash-plans/ . Some, like Bupa's also come with a discount from certain dentists.

There are some wider ones, most notably https://www.denplan.co.uk/patients/payment-plans where you are covered for what is needed as long as you stick to the dentist on your policy.

Note that these arent technically insurance, not a big problem but does mean the Financial Ombudsman etc arent an option if there is a dispute. 

You may still be able to find true insurance out there but a quick google shows most are aimed at companies providing it as an employee benefit.

35har1old

mebu60 said:

Insurances such as Denplan likely to be more expensive as they include cover for treatments (excluding disbursements) but you could get a quote to see how it compares. Other providers are available.

The cost of the Denplan is based on the dentist assessment 

35har1old

RainbowsInTheSpray said:

There seems to be no place on MSE for this matter - the last thread I can find on 'health and beauty' relating to it petered out in 2021.

OH and I belong to a dental practice which has a 'payment plan'. This offers for a fee a number of perks. Basically your check ups are 'free' and you get 10% off the cost of private treatment.

Recently the monthly charge went through the roof with very little given by way of explanation.

This prompts me to ask whether I can get this kind of plan independently and claim back whatever perks are included via presentation of receipts.

In essence, I want to compare in the same way as I can for house or car insurance.

Can anyone help?

Looks like you could be on Denplan essentials
My wife is on the full cover which would cover the cost of fillings and i would only get 10% discount being on the essential  plan

Check ups are include along with scaling and polishing

Being a member of Denplan which is linked to the dentist cuts out the hassle of having to submit claims
Don't no if the dentist would take on a patient privatly outside of the plan

 

35har1old

35har1old said:

RainbowsInTheSpray said:

There seems to be no place on MSE for this matter - the last thread I can find on 'health and beauty' relating to it petered out in 2021.

OH and I belong to a dental practice which has a 'payment plan'. This offers for a fee a number of perks. Basically your check ups are 'free' and you get 10% off the cost of private treatment.

Recently the monthly charge went through the roof with very little given by way of explanation.

This prompts me to ask whether I can get this kind of plan independently and claim back whatever perks are included via presentation of receipts.

In essence, I want to compare in the same way as I can for house or car insurance.

Can anyone help?

Looks like you could be on Denplan essentials
My wife is on the full cover which would cover the cost of fillings and i would only get 10% discount being on the essential  plan

Check ups are include along with scaling and polishing

Being a member of Denplan which is linked to the dentist cuts out the hassle of having to submit claims
Don't no if the dentist would take on a patient privatly outside of the plan

 

Trying to compare insurance some of which are not linked to a dentist and some that are 
The ones that are not linked have a set of benefits which have fixed amounts these can be altered by how much you want to pay each month.
My concern would be in obtaing a appointment with a dentist 

RainbowsInTheSpray

35har1old said:

RainbowsInTheSpray said:

There seems to be no place on MSE for this matter - the last thread I can find on 'health and beauty' relating to it petered out in 2021.

OH and I belong to a dental practice which has a 'payment plan'. This offers for a fee a number of perks. Basically your check ups are 'free' and you get 10% off the cost of private treatment.

Recently the monthly charge went through the roof with very little given by way of explanation.

This prompts me to ask whether I can get this kind of plan independently and claim back whatever perks are included via presentation of receipts.

In essence, I want to compare in the same way as I can for house or car insurance.

Can anyone help?

Looks like you could be on Denplan essentials
My wife is on the full cover which would cover the cost of fillings and i would only get 10% discount being on the essential  plan

Check ups are include along with scaling and polishing

Being a member of Denplan which is linked to the dentist cuts out the hassle of having to submit claims
Don't no if the dentist would take on a patient privatly outside of the plan

 

Yes... but you pay for being relieved of the "hassle".

I have read the site's information and am increasingly attracted by the concept of "self-insurance". Paying the equivalent sum monthly into a regular savings account specifically earmarked for dentists' bills strikes me as one way of cutting out the middle-man and his shareholders.

RainbowsInTheSpray

Having made use of googling, I've found this article which seems to sum up self-insurance in a clear, measured way.

https://www.mytribeinsurance.co.uk/knowledge/self-insurance

sheilavw

I have been a member of Simply Health way back since it was the Hospital Saturday Fund (probably ove £40 years). I pay a monthly amount (you can choose a plan) it covers dentist, optician (I get glasses every year) hospital stays, podiatry, even a call with a Doctor and a prescription if needed, also seeing a specialist private etc