Many patients fund their treatment through schemes such as the Tesco Dental Insurance Plan and the Simply Health Plan (formerly known as the HSA). In return for a monthly payment these schemes permit you to claim back a portion of your dental treatment costs.
Until fairly recently these schemes have represented quite good value for money. However both companies have recently moved the goalposts in quite a dramatic way by simultaneously reducing benefits and increasing payments. If you are on the Tesco plan your monthly payment will now have increased to £19.95. In return for this you will now only be able to claim back 50% of the cost of your fillings or crowns with an annual limit of £1000*. The Simply Health plan enables you to recover 50% of the cost of your fillings and crowns up to a maximum of £1000 per year in return for a monthly payment of £21*. This compares with our own Smilecare scheme under which the average patient pays £27.20 in return for 100% cover with no upper annual limit (the only extra you would ever have to pay is the laboratory technician’s fees for the manufacture of crowns, bridges or dentures). The fee you pay depends upon the condition of your mouth when you join so the average fee should just be taken as a guide but if you are on either the Tesco or the SimplyHealth scheme it could be worth your while asking for a Smilecare assessment when you next come in for a check up. It might save you a lot of money.
*Details correct at time of publication.