There are many kinds of dental health plans are available in the UK. The quandary you have to face is finding the appropriate dental health plan for you and your family. It is good to have an idea of the plans offered in the popular plans.
Dental Maintenance Plans
A dental maintenance plan can be viewed as ‘prevention is better than cure’. It is a preventative treatment plan rather than a symptomatic treatment plan designed to have patients have to go the dentist every six months to have their teeth checked and cleaned. This way a minimum level of oral health is maintained.
Some of these dental maintenance plans include dental x-rays. They, however, do not cover any type of cosmetic treatments. Payments can be made annually or monthly.
Dental Insurance Plans
A dental insurance plan will provide coverage for your basic dental issues and certain dental emergencies for you or your family. The principle of an insurance policy also works on a dental insurance plan: the higher your premium, the wider your coverage and vice versa. Dental insurance plans are of two types: NHS coverage and private dental coverage. NHS coverage provides coverage only if you receive treatments by a registered NHS dentist. Private dental insurance gives coverage for treatments obtained only by a private dentist. Both types of coverage have upper limits of payment amount as per dental treatment.
Dental Cash Plans
Due to rising health costs, quite a few health insurance companies are presenting a novel way of affordable health plans: they are known as health cash plans. These health cash plans cover medical, optical and dental health. If a patient signs up for dental cash plans, they have the option of paying annually. It covers dental treatments and major medical emergencies. Several cash plan providers are available in the market. Some offer to cover 50% of dental costs and some even pay 100% of your dental bills. If you do not want a comprehensive health cash plan, you can go for a partial health cash plan package that offers to cover your optical and dental costs.
Almost all of the dental cash plans will pay for routine checkups, medication charges, cosmetic treatments and emergency work. You will have to check the qualifying period from the company before you can make any sort of claim on your dental treatment. With some companies you will not be able to make a claim before three months.