In recent years, more and more individuals and families are taking out dental insurance. Dental insurance is available in both NHS Only plans and private dental plans.
While you can pay for dental check-ups and treatment if and when you receive them, it is often more economical in the long run to purchase a dental insurance plan, especially if you know that you will need treatment.
The Benefits of Dental Insurance
One of the great things about dental insurance is that it covers a whole range of eventualities from a simple check-up and regular treatments like fillings through to emergency treatment. This extensive coverage will give you a peace of mind.
The main attraction of dental insurance over just paying for dental care when you need it is that it can save you a lot of money. Indeed, some policies start as low as £5 a month, making dental insurance even cheaper than your mobile bill!
You can opt for NHS Only or private dental insurance depending on your preference and budget.
In short, the pros of dental insurance are:
- Peace of mind
- Save money
- Choice of NHS Only or private
How to Choose Dental Insurance
- One of the first things that you will need to think about is whether you want private or NHS only dental insurance. Private insurance is a lot more expensive than NHS dental insurance.
- Some dental insurance plans require you to pay for the dental treatment and then once you have filed a claim you will be reimbursed for all or part of the expense. If you do not think that you will have the money to pay upfront for this type of plan, it is best to opt for an insurance plan which directly reimburses the dentist.
- Be sure to read up on reviews of plans and dental practices before signing an insurance policy. This will give you an idea of the quality of the care and an insight of the level of customer service that the dental insurance broker provides.
- Be wary of policies that have long qualifying periods. Indeed, some policies have 6 month qualifying periods before you can file a claim.
- Take advantage of price comparison websites. Not only do they let you quickly compare the dental plan premiums, but they can also give you an idea of the average excess charge.