Dental insurance allows you to access treatment from private dentists for routine check-ups, crowns, fillings, bridges and any emergency treatment. With basic policies ranging from £50 to £300 per month, the main benefits include:
- Quicker access to appointments
- Longer appointments with your dentist
- Select a dentist near you
- Better materials used in your mouth
Some individuals will receive private dental insurance automatically through their work so it is worth checking if you have this available, otherwise, your best option is to apply for an individual plan through our form. We work with a number of leading dental insurers who will assess your requirements and provide you with a quote today with the right cover for you.
What Does Dental Insurance Cover?
- Routine check-ups and treatments, the cost of all dental work (including emergencies and accidents) are covered by dental insurance. You will pay when you have the treatment and then are reimbursed by your insurance provider.
- NHS dental costs up to a certain level that covers crowns, bridges, and fillings.
- Any emergency which requires urgent medical care, and accidents involving your teeth or mouth and needs treatment immediately.
- Global coverage is included in some policies.
What is Not Covered By Dental Insurance?
- Some providers only pay a percentage of the cost. For example, they will pay a percentage of the cost of the treatment and you will need to cover the rest.
- If the treatment is not deemed necessary to your dental hygiene or health i.e cosmetic dentistry, botox, teeth whitening, Invisalign
- Depending on what plan you take you might not be eligible to claim for the first 3-12 months, unless it is a routine check-up.
88% of adults have no dental insurance in the UK but could make a huge saving if they did.
National Smile Month – 2016
Can I Use Dental Insurance Straight Away?
For most dental insurance policies there is a probation period so you have to wait before you can receive your first surgery or operation. Like most health insurance policies, the insurer doesn’t want you to have a pre-existing condition and then use your insurance straight away – because they will be walking straight into a loss. This includes things like fillings, crowns and extracting wisdom teeth – which are all pretty immediate things. Insurers will only start your policy after around 3 months so that you can use the cover for something legitimate and unexpected.
How Much is Dental Insurance?
A basic care package is around £50 per year (less than £5 per month). This can increase all the way up to £250 to £300 per year for a treatment plan that can offer extensive cover. Please email us at firstname.lastname@example.org for more information.
Depending on how much money you want to spend each month greatly affects the coverage you will receive. You will always have to pay for a certain amount of treatment and there is a limit on the amount claimable for each plan.
Does Cover Get More Expensive As I Get Older?
Unlike many other types of insurance, there is normally no difference in the cost of dental cover up to the age of 50. Once you are over 50 it may be difficult to find cheaper plans and generally, the cost will go up. Make sure to check your policy to make sure that you will not be dropped by the insurer when you reach a certain age.
Will My Children Be Covered Under My Plan?
Dental insurance is normally only valid for the specified person under the plan. Family plans are available but dental work is typically free on the NHS for patients under 18. Children that use dental treatment on the NHS may only receive basic materials for fillings and crowns and have to pay extra for long-lasting and more sustainable materials.
How Do I Pay For Work Covered By My Plan?
Some people will have their medical treatment covered by company health insurance. The majority of dental insurance plans require you to pay upfront for the work that you need doing, and then you are reimbursed by your employer and insurer after 6 months. If you still have coverage through your work but dental is not covered, you can extend this through an additional policy.
Is My Policy Renewed Every Year?
Each policy has different terms and conditions so you will have to look closely at how the renewal works. You could find a better deal than the previous year provided that you do not make any claims and continue to keep your teeth healthy. After a certain age the policy can get more expensive – so at this point, you might want to consider locking in an ongoing cost with your provider.
NHS Pricing Bands for the UK
NHS Pricing Bands for Wales
NHS Pricing Bands for Scotland and Northern Ireland
Also keep in mind:
- Depending on what policy you take out there might be limits each year of close to £1,000, with some as low as £500. The work is performed at either private practice or an NHS clinic.
- Most policies set a lower age-range of 18. Make sure to check for the highest age possible when taking out insurance.
Why Pay For Dental Work If It Is Covered By The NHS?
In Wales and England, dental charges for the NHS are in three bands, 1-3 depending on the severity of treatment required. In Northern Ireland and Scotland, you will have to pay 80% of dental fees which is up to £384 per procedure. Private dental insurance policies will cover the difference that you have to pay between what is covered on the NHS and what you need to pay for.
Who is Eligible For Free Dental Work?
There are some exemptions and people who get dental treatment for free including:
- Pregnant women
- Children under 18
- Women who have given birth less than 12 months ago
- Young adults under the age of 19 and in full-time education
- Those receiving benefits (means-tested).
Everyone else will have to pay for dental treatment as explained above.
Are All policies Created Equal?
No – there is a wide range of different options available, and you will have to read the terms and condition very closely to make sure you know exactly what is covered.
A very broad way of looking at dental insurance is to think of it as covering routine and emergency treatment, sometimes even worldwide.
What Is An Excess?
When you take out a plan you can specify how much you want your excess, or deductible to be when you claim for treatment. The higher you make your excess, the less you will have to pay each month. If you don’t think that you will have much work then this might be the best option because it could work out cheaper over the long term. It varies from plan-to-plan and you will have to take into consideration your circumstances when deciding.
Should I Spread Repayments?
This is a common method but should be carefully considered beforehand.This type of plan is called a ‘capitation plan’ and works slightly different to an insurance plan.
Your dentist will want to sit down with you and discuss who much work you are estimated to have in a year. At this point he will come up with a figure, for example, they think that you will have £240 in treatment for the year. If you end up only having two check-ups in the year, you will still be paying £20 per month, but not requiring treatment near that amount.
Under basic dental insurance, that starts at £5 (£60 per year), you can be covered for check-ups at no additional cost, for a fraction of the amount.
This type of plan could work out well for you, but don’t be afraid to ask for a review every year to make sure you don’t end up paying too much.
Need To Make A Complaint?
Do not be worried about complaining if you think you have been unfairly treated, or rejected for any treatment that you think you should be entitled to.
If you do not hear back within 8 weeks you can take your claim to the ‘Financial Ombudsman‘. The Ombudsman is an independent entity that has the final say on whether you have been treated fairly by your insurer.