Private Dental Insurance
 

Does anyone have Private Dental Insurance? I have some questions:

1. Who are you with/recommend?
2. Does the dentist claim the cost right off the policy or do you have to fill in forms?
3. Your experiences with it?

Re: Private Dental Insurance
 

I use to have Dent Plan though work, its ok but you must get receipts for the work and I don’t think you can go Private although I did get away with it by blaging. I have since cancelled it as it was too much trouble getting receipts sending them of and waiting for cash back.

Also I had a limit on what I could have done which did not help.

This was a perk though work so some may differ.

Re: Private Dental Insurance
 

Yeah, I don't want to do it if I have to pay and then claim the money back!

Re: Private Dental Insurance
 

That is what you have to do with Dent Plan you pay then claim the money back with proven recipts.

Ball ache. ;)

Not sure about any others out there.

Re: Private Dental Insurance
 

Damien, the hassle of claiming the money back might be worth it. I recently had a chipped tooth - cost me £240 to sort out. I'd have happily gone through the hassle of claiming it back with receipts. At least you will get money back, even if it takes weeks.

I wish I had insurance at the time.

Re: Private Dental Insurance
 

Ouch! Was that Private or NHS? I am NHS at the moment but obviously private is better. It's around £20 a month though so if I have to pay that and go though the hassle of claiming money (which I would still need to shell out for) then it makes me think twice! Especially as I don't trust insurance companies to pay out..

Re: Private Dental Insurance
 

What your teeth like? If you need a load of work doing then do it, if not then defo give it a miss.

Re: Private Dental Insurance
 

They ok, they need something done probably but that would be pre-existing so I need to get it done anyway.

Re: Private Dental Insurance
 

I am not with it.
I think the costs advertised at the dentists were something like £8 per month.

An inspection costs £17.50 (including scaling) on the NHS plan.
Fillings, and extractions cost £46.50 (any number of fillings).

So on the basis you'll have two inspections, and two treatments each year, both of which include fillings - that's a total of £93 per year.

using the HSA - £7.70 per month - that works out at £92.40 in total, but then according to the website you only get reimbursed for 75% of the treatment costs. So it would work out more.

Re: Private Dental Insurance
 

Unless you know you need loads of work I really would not bother. ;)

Or

Have it just for the year and have as much work as needed in that year then cancel.