What choice do I have?
The choice is yours - but as you can see from our explanation beneath - only once choice makes sense if you really care about maintaining your teeth.
As technology advances, the cost of dental treatment increases and less and less dentists will take on NHS patients - there aren't many affordable optionsto us.
The choices are:
Get dental insurance
For just a small monthly or annual payment you are covered for any eventuality.
Pay for your dental care privately as and when you need to
This can be extremely expensive especially if you need detailed or complex work to be carried out on your teeth. It also means you may neglect to get dental treatment to avoid the excessive costs.
Join a dentist's scheme which allows you to spread the cost of dental care over the year
This means you're locked into a contract with one dentist. It also means that although your routine costs can be spread out over the year, you may still have to pay the major, unexpected costs without any help.
A unique service
No-one else can offer you such a detailed, thorough and individual service as The Private Health Partnership.
Once you have submitted your details using our simple, easy and quick quotation form - they will contact all the dental
insurance providers in the UK to get you an up to date quotation. You will then receive a letter, quotation and application form should you wish to proceed.
The quotation form will explain in full the policy details of the recommended insurance provider. However, you will also receive details of every single dental
insurance provider that meets your requirements, and their price for your insurance. It's a unique service which gives you full control over your choice.
A specialist dental insurance representative will then contact you to discuss the quotation - and see if you wish to proceed.
What is included in a dental insurance policy?
You can tailor your dental insurance policy to meet your needs. This table demonstrates what you can normally expect to be covered for:
| |
Standard
plan |
Executive
Premier Plan |
Routine and preventive care, e.g. examinations, scaling, polishing and x-rays |
No |
Yes |
General restorative treatment - e.g. fillings, extractions, etc. |
Yes |
Yes |
Remedial Care - e.g. root treatments, repairs to crowns, bridges or dentures, anaesthetics, periodontal care (gums) |
Yes |
Yes |
Major Restorative Care - e.g. new crowns, bridges and dentures. |
Yes |
Yes |
Orthodontics |
Yes |
Yes |
Full reimbursement of NHS treatment charges |
Yes |
Yes |
Covers accident and injuries (including amateur sports) |
Yes |
Yes |
No restrictions on which dentist you use |
Yes |
Yes |
Major advantages to Dental Insurance
- Dental insurance allows you to use any dentist,
- You do not usually have to be dentally fit before taking it out
- You can afford to have dental work carried out, whenever you need it
- You can afford to have regular check ups and maintain your bright smile!
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Hot Topics
- What is covered by dental insurance?
-
Dental insurance is designed for people aged over 18 that cannot get free NHS dental treatment. The following incidences are generally covered:
- What happens if I have a dental emergency?
-
In case of a serious dental emergency due to an accident or injury – you will always be able to receive care, as you will be covered by the NHS.
- Who do I ask for advice on where to buy my dental insurance?
-
When you are looking for dental insurance it is well worth doing thorough research – not only to get the cheapest deal but also to make sure that you get the right policy for your needs.
- How do I make a claim?
-
Making a claim is easy. When you receive your insurance documents, you will receive a full client information pack that will include your Insurance Certificate, Claims Forms and Help line Card, with a range of contact numbers.
- Do dental insurers offer a money-back guarantee?
-
If you decide that you don't want to take out your dental insurance policy, you will normally be offered a money-back guarantee.
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How does Dental Insurance work?
Here's what to do if you need to visit your dentist, and you have dental
insurance:
 |
Go to see your dentist |
| |
Arrange for your dental work to be completed* |
| |
Pay the dentist for the work carried out |
| |
Claim the money back from your dental
insurance provider |
*It's a good idea at this stage to check that you are covered by your insurance policy
Why take out Dental Insurance?
Dental Insurance offers a wide range of benefits that make it an extremely worthwhile form of insurance.
Peace of mind - with dental
insurance you can be safe in the knowledge that you and your family will receive the best of care, whenever you need it.
Choice - you can go to any dentist you choose for your treatment
No medical - there is no need for a dental examination to be accepted onto most dental
insurance schemes
Did you know?
- As recently as 1989, 90% of adults were registered with the NHS and received low cost care. Now 2 out of 3 dentists will not accept NHS patients. ( Source: Dental Practice Board)
- Even patients registered with an NHS dentist have to pay 80% of their treatment - this can cost up to £378 (As of May 2004). The cost of private treatment is even higher. (Source: British Dental Association)
- Due to dental problems, 14 million working days are lost each year in the UK. (Source: CBI)
- There is no such thing an "NHS dentist". Almost all dentists in the UK are self-employed and have traditionally mixed NHS and private patients on their books. Dentists are paid by the procedure they carry out, whether on the NHS or privately.
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