Denplan

[fourstardan]

Does anyone do denplan through work benefits?

I'm unable to get an NHS dentist and need to really start looking after my teeth.

Work offers denplan so does it work out to be good value or do I just go with a private and pay on credit card (interest free)

Im Also thinking about tax benefits here as I may creep into the 50% band next year.

[Cupid-stunt]

I have a dental plan that I utilise via SalSac.
Got the family plan and it is decent as it allows us all to have a scale and polish 2x/yr
Also, any x-rays are covered (80%).

If you know you are going to need work (my oldest needed orthodontics) then it can be really useful - esp if you are not on NHS.

I have to make a decision for Cal 2025 and may go down a level. I would make sure your dental place allows it, and if you can use the scheme against the work you need done.

[fourstardan]

Thanks, Ive just noticed BUPA do 0% APR.

I'm not sure where I stand with denplan when I leave the firm offering the benefit.

[Writhing]

I've had it for years and it costs £35 per month. I get check-ups and hygienist, as well as emergency treatment. For example, if I wake up on a Sunday morning with a toothache, I can call the on-call dentist and he'll tell me to meet at the surgery in an hour or so and treat it.

[fourstardan]

I looked again today and it's actually bupa plan at work on my benefits.

It would cost me £600 quid a year to do the Level 5 on Bupa plan and double to add the missus on. So if I had a few fillings this year I would probably be paying this sort of money, so is dental insurance in effect an interest free loan with a bit of tax break and "discounted rates"?

What are Bupa dentists like from a charging process? When you look at the standard price list it has a lot of different things priced that seem to be part of the same process e.g. Check up and Xrays are priced separately.

I'm concerned they'll quote these prices then you'll actually have the treatment and end up with a lot of additional charges included.