Millions Forced To Opt For Private Dental Treatment

Millions Forced To Opt For Private Dental Treatment



This April the​ Government is​ forcing a​ new service contract on dentists that includes a​ new pay scale, changes to​ their working hours and​ surgery arrangements. Now dentists are not a​ cantankerous profession, but there's widespread irritation and​ disillusionment amongst them at​ the​ Governments seemingly heavy-handed action. and​ they're determined not to​ be pushed around.

As a​ result thousands of​ dentists are registering their refusal to​ accept the​ new contract and​ have given their notice to​ quit the​ NHS at​ the​ end of​ March.

This will create mayhem for​ clients. Many seeking treatment on the​ NHS will be simply turned away. Those dentists who do accept the​ new NHS contract will then face a​ flood of​ new clients seeking treatment. the​ vast majority will again be turned away as​ even before this bust up, there was a​ dire shortage of​ dentists. Waiting lists are bound to​ be a​ mile long. No, sorry, two miles long!

As a​ result, if​ you are desperate for​ treatment to​ a​ broken tooth or​ an​ abscess, you'll be forced to​ search out a​ community based dental surgery operated by the​ NHS itself. Ask your Doctor for​ directions to​ the​ closest to​ you. the​ odds are they'll be miles away. This means a​ long journey plus a​ hospital style queue on arrival. Getting dental treatment will simply take all day!

For many, private dentistry is​ the​ only alternative. Going private means you'll get an​ appointment when you want one rather than waiting for​ ages with the​ NHS, and​ you can pick and​ choose your dentist. But it​ can be expensive. the​ only good news is​ that there are solutions to​ keep costs under control.

You essentially have three key options: dental insurance, capitalisation schemes or​ cash plans.

Dental Insurance the​ insurance industry has responded with a​ whole host of​ varying dental insurance policies. the​ following are just some typical examples:

Western Provident has been in​ the​ dental insurance market for​ many years. Its Providential policy provides a​ basic level of​ dentistry cover with fixed monthly premiums. for​ those aged 18 to​ 49 the​ premium is​ £12.48 and​ £15.90 per month for​ those between 50 and​ 69. Policyholders have to​ pay the​ first 25% of​ each treatment but can claim up to​ £250 per year towards routine treatment including check-ups, visits to​ the​ hygienist and​ fillings. Emergency dental treatment can be claimed up to​ £1,000 per year but cover for​ accidental dental injury is​ limited to​ £250 per treatment.

£6 per month gets you basic dental insurance with Universal Provident. Their policy insures you for​ up to​ £1,000 per year for​ routine work but it​ won't pay for​ check-ups. Accidental damage up to​ £1,000 per year and​ dental emergencies are insured up to​ £5,000 per year.

Many policies also limit the​ number of​ dental treatments they'll pay each year. for​ example, the​ policy from Boot's limits your claims to​ two check-ups, one crown and​ four fillings a​ year up to​ £500. Boot's policies start at​ £9 per month.

Capitalisation Schemes This is​ the​ most expensive option. Prior to​ taking up the​ policy, your dentist has to​ make an​ assessment of​ your dental health and​ places you in​ one of​ five treatment groups. This will determine how much your scheme costs. the​ better your dental condition, the​ less you pay.

For example, Denplan's dental care scheme costs between £9 and​ £30 per month. We are told that their average fee is​ £16.

Cash Plans the​ last alternative is​ a​ composite health cash plan. These pay out for​ dentistry but also a​ wide range of​ other health treatments such as​ optical treatment, hospital treatment, physiotherapy, chiropody even allergy testing. Each policy spells out exactly what is​ covered and​ the​ maximum value you can claim to​ for​ each kind of​ health treatment. You have plenty of​ choice as​ most cash plans offer three or​ four grades of​ benefit level. the​ more you pay, the​ more you can claim. Some plans allow you to​ reclaim 100% of​ the​ cost up to​ the​ annual maximum set for​ each health category, some will only pay a​ proportion of​ the​ cost. With cash plans, the​ maximum cover for​ dentistry tends to​ be in​ the​ range of​ £70 to​ £200 per year depending on the​ company you choose and​ the​ option you go for.

For examples of​ cash plans, visit www.securehealth.co.uk and​ www.hsa.co.uk. Click on “cash plans” when you get there.

How to​ get top value in​ Dental cover as​ with most types of​ insurance, you'll get it​ cheapest on the​ Internet. Search for​ “dental insurance” but use the​ .co.uk variant of​ your search engine – otherwise you'll come up with masses of​ American sites!

The best UK sites to​ visit are those that either enable you to​ compare plans or​ those operated by a​ specialist dental insurance broker. With brokers, you submit your details and​ they'll come back to​ you with the​ options and​ best dental policies available for​ you.

If you do want to​ go direct to​ an​ insurance company, you can still do it​ on the​ Internet - but it's unlikely that you'll stumble on exactly the​ best policy for​ you amongst the​ many hundreds available. and​ the​ broker may well be cheaper. it​ will come as​ no surprise that we recommend the​ broker route!




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