Private Dental Insurance / Denplan - ease my ignorance.
Discussion
I've never used a Private Dentist, never had to, not that it's been easy sometimes.
Anyway, 'Because Covid' our dentist isn't currently seeing anyone unless they're private and I've had enough. My teeth need a scale and polish and I'd like some other work completed, I've got two missing teeth (due to an accident) I'd like replaced with a bridge. This of course is pre-existing.
Our current Dentist used to be Denplan, but now runs their own system, where I pay them £18 a month (it's actually "From" £18 a month) and then £45 for a check-up, £65 for the Hygienist, £115 if I need a filling and rapidly up from there, I fancy my next visit will cost me £100, instead of £14.70 and probably £2k for the bridge, it would be £203 on the NHS, but they aren't willing to do it.
I've read through the Denplan website twice, and it's about as clear as mud. What I want, is to pay them a fee each month which would in-turn cover the cost for my dental work, both the retrospective cosmetic stuff and on-going care, but that seems to be some kind of Commie day dream and in reality I'd had better just slide my card over the counter and ask them to be kind, or am I missing something?
Anyway, 'Because Covid' our dentist isn't currently seeing anyone unless they're private and I've had enough. My teeth need a scale and polish and I'd like some other work completed, I've got two missing teeth (due to an accident) I'd like replaced with a bridge. This of course is pre-existing.
Our current Dentist used to be Denplan, but now runs their own system, where I pay them £18 a month (it's actually "From" £18 a month) and then £45 for a check-up, £65 for the Hygienist, £115 if I need a filling and rapidly up from there, I fancy my next visit will cost me £100, instead of £14.70 and probably £2k for the bridge, it would be £203 on the NHS, but they aren't willing to do it.
I've read through the Denplan website twice, and it's about as clear as mud. What I want, is to pay them a fee each month which would in-turn cover the cost for my dental work, both the retrospective cosmetic stuff and on-going care, but that seems to be some kind of Commie day dream and in reality I'd had better just slide my card over the counter and ask them to be kind, or am I missing something?
Wife and I have Denplan after being bounced into it by our dentist.
Ours works just like a service plan - she estimates the annual cost and then sets the monthly fee. All Denplan do is collect the money and pass most of it on. They also operate an insurance scheme and will assist if you're out of area and have to use a different dentist. We don't pay anything on the day. It's a bit under £50/mth for both of us but I have four hygienist visits per year (wife has two)
From memory it covers fillings and extractions, and some work towards crowns but not the crown itself and not implants. I'm not sure, but assume it also wouldn't cover bridges etc.
It annoys the heck out of me that anyone has to pay anything at all, apart from cosmetic work. Our hygienist does most of the work - a check-up is the dentist looking in our mouths for litterally a couple of mins (I've timed it). Even when she was NHS she never did the 'scale and polish' part - if you wanted that you got referred to the hygienist.
I will say it was very handy a few years ago when a big filling dropped out the weekend before Christmas Day (which was on the Monday) - she opened up the surgery on Sunday morning and sorted it out. There's supposed to be an excess charge of £100 for that from Denplan but she told me to ignore it.
Ours works just like a service plan - she estimates the annual cost and then sets the monthly fee. All Denplan do is collect the money and pass most of it on. They also operate an insurance scheme and will assist if you're out of area and have to use a different dentist. We don't pay anything on the day. It's a bit under £50/mth for both of us but I have four hygienist visits per year (wife has two)
From memory it covers fillings and extractions, and some work towards crowns but not the crown itself and not implants. I'm not sure, but assume it also wouldn't cover bridges etc.
It annoys the heck out of me that anyone has to pay anything at all, apart from cosmetic work. Our hygienist does most of the work - a check-up is the dentist looking in our mouths for litterally a couple of mins (I've timed it). Even when she was NHS she never did the 'scale and polish' part - if you wanted that you got referred to the hygienist.
I will say it was very handy a few years ago when a big filling dropped out the weekend before Christmas Day (which was on the Monday) - she opened up the surgery on Sunday morning and sorted it out. There's supposed to be an excess charge of £100 for that from Denplan but she told me to ignore it.
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