Dental Insurance
26 January 2009, 07:21 PM
#1
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Dental Insurance
Hello
Does anyone have any suggestions for dental insurance? I changed jobs a while ago (which had dental cover included) and haven't bothered to sort anything out. My current company offers £250/year I think but that is just for me, I want a family thing ...
Thanks,
Steve
Does anyone have any suggestions for dental insurance? I changed jobs a while ago (which had dental cover included) and haven't bothered to sort anything out. My current company offers £250/year I think but that is just for me, I want a family thing ...
Thanks,
Steve
26 January 2009, 07:23 PM
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Denplan.
I pay £12 a month and that gets 3-4 check ups a year, any work that needs doing and £20,000 accident cover for implants that i am now taking full advantage of
Oh and i just got £180 back from them for a 3 night hospital stay so thats 15 months or so free
I pay £12 a month and that gets 3-4 check ups a year, any work that needs doing and £20,000 accident cover for implants that i am now taking full advantage of
Oh and i just got £180 back from them for a 3 night hospital stay so thats 15 months or so free
26 January 2009, 09:39 PM
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and they want £42pm and will only cover HALF the the costs of dentist charges.I just checked the Denplan site and cant see ANY mention of costs there
Has anyone else got found any costs or options in this area?D
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26 January 2009, 11:53 PM
#8
Boxt
As a generalisation, for private dental treatment you are better finding a nice / trustworthy dentist and "pay as you go"..
This means all the money you pay is going into dental treatment for your teeth and not paying for an intermediary like Denplan (who's staff have a salary, company car, pension etc.)
Like all insurance (Denplan) schemes there are winners and losers....
for people with good teeth they pay a low premium as treatment needs over a lifetime are low,but if there is a major unexpected problem (trauma) then costs may be covered and they win. Nat 21 is a winner being paid for by diesel
For people with poor teeth the monthly premiums are high to cover the costs of maintainance, which are never recouped.
It depends which bracket you think you fall into and how much you are a gambler !
Shaun
PS
FWIW all my family are registered with an NHS dentist for check up's , cleaning, orthodontics etc. I'm barred from seeing them at work for exam's / treatment LOL
What I save now I can spend on treatment if they fall down in the playground and smash their teeth etc.
I don't have a dentist of my own because they know who I am.. I get check up's and pay as I go
As a generalisation, for private dental treatment you are better finding a nice / trustworthy dentist and "pay as you go"..
This means all the money you pay is going into dental treatment for your teeth and not paying for an intermediary like Denplan (who's staff have a salary, company car, pension etc.)
Like all insurance (Denplan) schemes there are winners and losers....
for people with good teeth they pay a low premium as treatment needs over a lifetime are low,but if there is a major unexpected problem (trauma) then costs may be covered and they win. Nat 21 is a winner being paid for by diesel
For people with poor teeth the monthly premiums are high to cover the costs of maintainance, which are never recouped.
It depends which bracket you think you fall into and how much you are a gambler !
Shaun
PS
FWIW all my family are registered with an NHS dentist for check up's , cleaning, orthodontics etc. I'm barred from seeing them at work for exam's / treatment LOL
What I save now I can spend on treatment if they fall down in the playground and smash their teeth etc.
I don't have a dentist of my own because they know who I am.. I get check up's and pay as I go
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