The days when dental treatment generally consisted of either removing a damaged or decayed tooth or filling it are long gone, and a modern dental surgery will be able to offer a range of treatments capable of saving and treating all but the most badly damaged teeth, but this range of treatment does come at a price, literally speaking. There’s no getting away from the fact that dental treatments can now be extremely expensive, and that’s why it pays to be prudent, cover all the options and take out dental insurance to cover any and every eventuality. Different Dental Insurance Plans Dental insurance plans come in a wide range of types and price points, with the premiums being charged often depending upon the age of the person being insured. Although dental health is the topic being insured, a dental check-up is not usually deemed necessary. The Plus Points of Taking out Dental Insurance Once you’ve taken out dental insurance you are free to claim back the money spent on any treatment which you are required to undertake. Depending on the type of insurance plan you’ve taken out and the insurer providing it, you may be able to choose between a private and NHS dentist. Coverage Offered Dental insurance will cover most minor or major treatments, but amongst those not generally covered are:
There are other factors to be borne in mind when taking out dental insurance. One of these is that the plan will not pay for the entire cost of the treatment. In most cases, only 75% of the cost will be covered, and plans also tend to have a cap upon the maximum which can be claimed during a twelve month period. Many plans also insist on people taking out the insurance having been covered for three months before making a claim on the policy, but this can vary from company to company. Types of Cover One type of cover is known as a capitation plan, under which monthly payments have to be made. The factors covered under a scheme such as this include x-rays, tooth extractions and dental check-ups. The advantages of a scheme of this kind are that you won’t be asked to pay a bill following each course of treatment, and the rate of the premium will be set after a dental consultation. The downside is that you can only use the services of dentists who are also signed up to the capitation scheme. Cover of this type is recommended for those patients who need regular treatment and wish to spread the cost of it. The size of the premium charged will depend upon factors such as your age and the condition of your teeth. There are two different types of capitation plan: Maintenance plans – These cover the cost of two oral hygiene check-ups (including x-rays), and two general dental examinations every 12 months. Some policies charge a signing on fee, and offer discounts on other services. Comprehensive plans – These offer unlimited treatment in return for a monthly premium which will be based upon the condition of your teeth. The higher your standard of oral health is, the lower the premiums will be. Being Eligible In order for you to be eligible for dental insurance, most insurers will insist that your dental health is of a reasonably high standard and that you have no dental work planned for the immediate future. Some plans include a written commitment to attend a clinic for regular check-ups. Taking out dental insurance offers peace of mind for you and your family, and ensures that the future won’t hold any nasty shocks in the form of sky high treatment bills. The Perfect Smile membership plan covers insurance as well as offering a range of other advantages. Ring one of our surgeries today and we’ll be only too happy to discuss just what kind of cover would be the best for you.