dental insurance
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worried123
Posts: 519 Forumite
Hi, can anybody advise about private dental insurance please. I have read the fixed pages on here about dental insurance but still unsure.
I am confused by the fact that I have met several people (through my work so i cannot get back to them to to delve more) who have a dental insurance policy (they pay around £30 a month with their private dentist) and never, ever have paid a penny for any treatment at all - which includes crowns, root fillings, hygienist, check ups etc. etc.
My dentist is private and truly I get sick of the cost of treatment - it is unaffordable. My sister has denplan with them but she only gets check ups, hygiene appointments free and 10% off the cost of treatment.
I dont want to go to an nhs dentist but truly private dentistry is so expensive and there surely has to be a way to minimise the cost. I am 63 and come from an era where nhs dentists kept filling our teeth when young (probably un-needed fillings)...as you get older your teeth may break near the fillings and you need a crown, etc. its just so, so expensive.
I dont understand how these people that i have spoken to have never paid a penny to their private dentist over the years....and they have had extensive treatment over the years.
i would be more than happy to pay £30 a month and have no dental costs at all. My dentist offers denplan but it doesnt cover you for the cost of treatment and indeed, if you work out how much the plan costs you annually and what you get `free` it adds up to the same whether you paid for it or it was through denplan.
I do know that the people who have this `free` unlimited dentistry for £30 a month have been older and been using the same dentist for many years...maybe insurance policies like this can no longer be taken out.....i am really confused.
Can anybody give their input please.
many thanks
I am confused by the fact that I have met several people (through my work so i cannot get back to them to to delve more) who have a dental insurance policy (they pay around £30 a month with their private dentist) and never, ever have paid a penny for any treatment at all - which includes crowns, root fillings, hygienist, check ups etc. etc.
My dentist is private and truly I get sick of the cost of treatment - it is unaffordable. My sister has denplan with them but she only gets check ups, hygiene appointments free and 10% off the cost of treatment.
I dont want to go to an nhs dentist but truly private dentistry is so expensive and there surely has to be a way to minimise the cost. I am 63 and come from an era where nhs dentists kept filling our teeth when young (probably un-needed fillings)...as you get older your teeth may break near the fillings and you need a crown, etc. its just so, so expensive.
I dont understand how these people that i have spoken to have never paid a penny to their private dentist over the years....and they have had extensive treatment over the years.
i would be more than happy to pay £30 a month and have no dental costs at all. My dentist offers denplan but it doesnt cover you for the cost of treatment and indeed, if you work out how much the plan costs you annually and what you get `free` it adds up to the same whether you paid for it or it was through denplan.
I do know that the people who have this `free` unlimited dentistry for £30 a month have been older and been using the same dentist for many years...maybe insurance policies like this can no longer be taken out.....i am really confused.
Can anybody give their input please.
many thanks
0
Comments
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There are two types of denplan schemes
Denplan essentials where you pay £12 to £18 ish a month and covers check ups , x Rays , hygiene appointments and money off cost of treatments
Denplan care where for a monthly fee , that depends on how many fillings, crowns etc you have and what state your gums are in , all your dental treatment is covered except for laboratory fees , cosmetic treatment and specialist treatment . Fees vary from £16 up to £48 ish a month.
Not all dentists offer both schemes and in order to get denplan care you need to be dentally fit first. You may also have to pay for the initial assessment and x Rays.
Laboratory fees are payable on crowns , dentures , bridges etc.
https://www.denplan.co.uk/patients0 -
Many thanks - very helpful. i will look at the link. i think i am dentally `sound` but do need a crown from a slightly broken tooth...
thanks again.0 -
If you need a crown that would have to be done before you would be accepted on.
The amount you pay will increase the more fillings, crowns,bridges , missing teeth etc that you have.0 -
I think it will be very expensive then. One extraction, two crowns, one onlay, a one tooth bridge. three root fillings. 8 ordinary fillings !!!!
Thank you again for your help.0 -
Boots Dental Insurance is very reasonable I used to have a policy myself and was very easy to make a claim for treatment. I stopped using the insurance because my dentist used to charge £15 to sign my claim form. I am one of the lucky people who rarely need anything done just an odd filling and I was mostly just claiming for a check up. The cost of filling the form in was not much less than my claim in most instances. I do have a little more treatment these days as I am in my 70s but not thought about taking another policy out.
https://www.boots.com/insurance/dental-insurance1 -
I've sent you a PM0
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