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Dental cash plans can be a more affordable option than other types of dental insurance, while providing comparable levels of cover for check-ups, emergency treatments and other procedures up to limits stated in the terms of the plan.
Everyone has different dental health needs, which is why dental cash plans were developed as an alternative for people who may feel standard insurance doesn’t provide sufficient cover or that comprehensive insurance is out of their price range. These cash plans allow up to 100 per cent of costs to be claimed back after treatments are carried out and paid for, offering greater financial security to patients. Because you’ll know precisely what your dental costs are and how much you can claim, you won’t have to worry about footing expensive dental bills yourself or having to settle for a lower standard of treatment.
Dental cash plans cover routine visits to dentists twice a year as well as emergency treatments for dental injuries and other problems, because you never know when these may occur. Depending on the cash plan you choose, you may also be covered for oral cancer care, scaling and polishing treatments and x-rays, meaning you won’t have anything to pay whether visiting a private or NHS dentist. These claims can be made straight away, and unlike most types of insurance, you won’t need to undergo health assessments or pre-enrolment checks to benefit.
Many people receive a dental cash plan through their employer, but if this isn’t the case, these policies can be arranged independently with insurers or through brokers. If your employer does not offer a level of cover you are satisfied with, you may have the option of upgrading your plan through salary sacrifice arrangements, or you may need to take out a separate policy to make sure you and your family won’t be underinsured.
It’s recommended to compare prices and features of plans from different providers before making your decision, to ensure you’re getting the best value for your monthly premiums, and you may also wish to check whether your insurer offers other types of health cash plans to cover more regular health care costs, such as visits to opticians.
Beyond the immediate benefits, there can be more reasons to choose dental cash plans, which can offer access to 24 hour emergency help lines and worldwide accident and emergency cover for a limited period of time.
The author of this article is a part of a digital marketing agency that works with brands like Bupa. The views and opinions expressed within this article belong to the writer and any reference or summary of Bupa Health Information Factsheets is that of the writers and does not represent Bupa or the information contained within the Bupa website. The contents of this article are of a general nature only and do not constitute specific advice. This article does not take into account your circumstances or needs and must not be relied upon in place of appropriate professional advice.
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