When I first started dental nursing there were only a handful of patients who would ask for their insurance forms to be filled out on completion of their treatment, more often than not they were patients who had medical insurance as a perk to their job or they were reasonably ‘well off’ people.
UK Dental Insurance and Dental Plans
In more recent years however, the number of patients, both NHS and private, who have some sort of dental insurance or dental plan has grown dramatically, perhaps this is because there are now more insurance providers who offer dental cover, or maybe it’s due to the fact that the benefits of dental insurance have improved dramatically and the monthly payment costs are now more reasonably priced.
Are Dental Insurance and Dental Plans a good investment?
Many people will pay insurance for their mobile phones, holidays, and of course cars and homes but will not consider dental insurance plans as good investment. I believe for those who do attend a dentist regularly dental insurance is definitely worthwhile, why not claim money back on something that you will need at least every six months?
Most dental insurance policies require a small monthly payment, and once treatment (including checkups, hygiene visits, x-rays, fillings etc) has been completed and paid for, a receipt of payment is given and a form detailing treatment carried out and costs incurred is filled out by the dentist, the patient then posts these to the insurance provider who will reimburse the patient with a large percentage of, if not all of the costs incurred, depending on the specific type of cover agreed. To many people this can take the ‘sting’ out of paying a dental bill, particularly if dental treatment is needed due to some sort of trauma or accident, or if treatment is needed while abroad. Generally it helps people to manage their money and dental health more effectively.
Dental Insurance Plans
Dental insurance plans are usually offered by private dental practices and are often a kind of ‘maintenance plan’ i.e. will cover six monthly check up costs as well as x-rays, hygiene visits and emergency appointments, meaning that patients will only have to pay for further treatment when required – such as fillings, crowns, dentures, etc, many plans will also offer a discount on these further treatments and will provide worldwide cover for dental emergencies.
Whether you pay for dental insurance or for a dental plan the benefits will definitely be seen, and worrying about dental treatment costs whether at home or abroad will become a thing of the past!