Some of our patients are interested in joining a Dental Plan or Dental Insurance.
We encourage most of our patients to get dental insurance as it is a smart way of spreading the cost of your dental treatment. With some policies you may get back more than what you have paid!
What is a Dental Plan? Do you offer one?
We believe in the choice of freedom and this is why we have decided not to offer a dental plan. Dental Plan (sometimes called capitation scheme) is when you pay to a provider a monthly fee and then you get free examinations and free cleanings (scale & polish) as well as a small discount from the normal charges. Usually the cost of the examinations and the cleanings is very similar to the annual cost of the dental plan. The issue is that you have to visit us and only us for your dental treatment and if you visit another practice you will have to pay their normal charges. We want you to keep on visiting us because of the high quality treatment we provide and not because you have been paying every month. If, for any reason, you are unhappy with our services or you have moved then the choice is yours to visit another dentist. We will provide you (free of charge) all your x-rays and intra-oral photographs so that your new dentist will be able to provide you with better care.
What is Dental Insurance?
Dental insurance, is when you and sometimes your employer as well, pay a monthly fee to a provider. When you visit us (or any dentist) you pay us normally and then you claim this charge back from your insurer. The benefit is massive: you can visit any dentist you want and most of the times the insurance company will pay most of the charges back to you – usually by BACS – once you submit your receipts.
There are a lot of different types of policies but most of them will cost you between £20 – £50 per month with an annual cover of £500 – £2000. Some insurers cover even implants or orthodontic braces.
Which is the best Dental Insurance Company?
Every insurer offers different levels of coverage and it is very difficult to distinguish the best one. Depending on your needs, some policies may be more fit for your particular needs than others. Most insurers have a short qualifying period (1-3 months) but they will pay for pre-existing conditions.
A lot of employers offer Dental Insurance to their employees as an employee perk. First check with your employer as they also contribute to the monthly cost.
As the level of coverage varies a lot, you are advised to visit us for a (free of charge) Cosmetic Consultation. This way you will get an idea of the cost of your treatment and the type of treatment needed so that you can make an informed decision when choosing your insurer and the level.
We have seen policies paying up to £5,000 per year for implants and £300 for fillings. This policy would not be ideal for someone who needs fillings worth £500!
Contact us today to book your Free Cosmetic Consultation.
Categorised in: Ferry Dental Blog