Buying a dental plan

Do I really need to buy dental insurance?

Times have changed, and for many reasons which are quite understandable in today's economic climate, employers are less likely to be offering their employees dental insurance as part of the job's perks...

If your employee benefits package offers a dental insurance plan, it is advisable to quietly hang on to it, as you are one of the lucky ones! The unfortunate truth is that more and more businesses are cutting back their employee benefit packages and the average UK family is feeling the economic pinch even more than ever. With unemployment on the rise and much uncertainty in the job sector many families are looking to pay as low a price as possible for their dental insurance plan; private or otherwise. This makes it even more important that when you buy a private or NHS dental insurance plan it offers your family the right amount of cover.

The NHS isn't free, part of your fee is subsidised but it's up to you pay the rest. Although it may seem less expensive in the short term, NHS treatments can carry higher costs for you over the long term if you do not have a dental insurance plan to cover big unexpected treatment costs.

You will often find that the very cheap dental plans also tend to be restricted to NHS only cover. Some may even be restricted to accident only cover, meaning that one cannot claim for treatments or hygienist visits etc.

Dencover Dental Insurance Plans for individuals start at just £4.99 per month, when you buy our NHS only plan, and pay you compensation up to your annual limit.

It seems to make sense for you to choose a private dental insurance policy that offers you the choice of attending a dental surgery as either a private paying patient or an NHS one. You will find it easier to see a dentist immediately as a private dental patient should you need emergency help. This is because NHS patients have fewer allocated slots available at most dental practices. Should you need urgent treatment, some dentists could and often do insist that you register as a private patient in cases where you are not already registered with their surgery.

Dencover Dental Insurance Plans offers you the choice of attending as either a private or NHS patient.

Dental insurance companies often design their dental plans in one of three ways.

The level of coverage that you receive from your dental insurance will depend on the plan that you choose to buy. Dental insurance companies often design their dental plans in one of three ways; one is to sign up for dental insurance through your dentist. Your dentist contracts with the dental insurance company, who in turn agrees how much they pay the dentist based on your personal dental history. Your dental records affect the price you end up paying.

Then there is the type of plan where the more you pay, the more types of treatment your dental plan will cover and also the higher your claims can be.

The third type is one where the dental insurance company offers the same dental treatment cover across all plans but vary the amount of compensation they pay you. Generally, the more comprehensive plans will be the more expensive ones so you also need to take your budget into consideration before you buy. Some plans will offer only cover for NHS treatment whereas others will cover the costs of private dental treatment. A dental plan with Dencover offers you cover for both in every policy we sell. Our members choose the level of compensation they want to receive by picking either the Dencover Core, Plus or Super Plan.

Amongst the dental work and treatment that can be covered with this type of insurance is:

• Preventative dental treatment such as a hygienist visit
• Minor routine dental treatment such as fillings
• Major dental treatment such as root canal

There are things that the typical plan does not cover and this includes:

• Orthodontic treatment
• Cosmetic dental surgery
• Dental implants

Most of the time private dental insurance can prove to be a huge help for those that do not want to have to compromise their dental health for the sake of a few pounds each month. More families are starting to buy family dental insurance plans than ever before, possibly since dental insurance prices have dropped online in recent years. Dental insurance can provide great peace of mind, as you know that if you have any dental issues that need to be addressed you can quickly and easily get the treatment that you need.

The cost of dental insurance

The cost of dental insurance cover can vary from one provider and policy to another. You will find that the more comprehensive cover you are looking for, the more you are likely to pay. Before you choose a policy it is important to check what is and is not covered so that you can choose the right plan for your needs.

Before you choose a policy it is important to check what is and is not covered so that you can choose the right plan for your needs.

Whilst the cost of the dental cover is important it is vital that you do not base your choice of dental insurance cover solely on price as otherwise you may still end up paying for treatment that is not covered under your policy. The Internet has opened up the insurance market and dental insurance is now firmly in the reach of most individuals and families alike. There are many great providers and each provider offers a different product to the others for the most part. Which one you buy is up to you.