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One of the big plus points with dental health insurance is it will in a lot of policies cover you for much more than simple health cash plans. All routine treatments and check-ups will be covered and in addition to those things you can have the choice of which dentist you go to and more complex expensive procedures may be covered. Stand alone dental insurance can be a good choice if you are finding it difficult to track down an NHS dentist. It gives you peace of mind that you can visit a private dentist if you are in pain or need emergency treatment and know you’ll be able to claim back some, if not all of your costs.
The benefits of having dental insurance are clear especially in areas where NHS dentistry is in short supply. Looking after our teeth is very important and to do that we need to see a dentist at regular intervals and be able to afford any treatments we need.
Having to have emergency dental treatment and then worrying about how you are going to pay for it at the end of the day is not what you need, so having your insurance in place is the perfect antidote to those painful dental bills. The first step would be to compare private dental insurance plans to see what the leading health providers have to offer.
If a private dentist is your only choice then you really do need private dental insurance to help you meet the costs involved. A crown fitted by an NHS dentist would cost you £204 whilst a private dentist could charge somewhere in the region of £500. A lot of NHS dentists jumped ship to private work after the government brought in a new charging strategy in 2006, which basically left a hole where the NHS dentist had been! Four in 10 people have skipped attending dentists simply because they couldn’t afford the bills associated with a visit according to The Guardian.
Dental insurance comes in many different packages with some just offering to pay for any NHS treatments up to a certain value and others offering cover for much more including overnight stays in hospital if it’s needed for your treatment. An NHS only plan will only be of use if you can actually register with an NHS dentist and some advice is available on finding NHS dentists. For a few extra pounds per month you could take out dental insurance that will allow you to go to an NHS or private dentist which really gives you the best of both worlds as you’re covered for either. At the end of the day it will come down to what you require and what your personal circumstances are.
Of course you could just take a chance, you can track down an NHS dentist and get your treatments when you need them. That is fine as often we don’t really need to see a dentist as regularly as we are led to believe with some dentists actually seeing patients too often according to the Department of Health, which led them to issue a letter to dentists regarding recall time frames.
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