When it is about finding the right dental treatment for your oral problems, we have different choices in the UK. This consists of the kind of treatment to perform and how importantly you need to pay for it. Sometimes, it can be quite difficult to know about a suitable payment option for your treatment. We have narrowed down the pros and cons of payment procedures for getting clued-up completely.
NHS Patient Charges – These are the costs set by the government for NHS dental treatment and will vary based on where you reside in the UK. In England,you will find three bands that range from £21.60 to £256.50. There also three bands in Wales having costs from £14 to £195 depending on the type of treatment to be performed.
Pros: These charges have been fixed set by the government so that you know about the exact amount to pay for your treatment. Also, you will find some people who can undergo NHS dental treatment for free. These include people on certain benefits such as income-based job seeker’s allowance, income support or pregnant women, children below 18 years old and mothers till their child turns to one year.
Cons: You might have to wait for some time for scheduling an appointment with the NHS dentist in Camden. In case you do not wish to attend an appointment,dentist may choose not to treat you anymore. You can get some treatments, such as dental crowns, root canals, silver fillings and tooth extractions that will make you ‘dentally fit’. Thus, you will have to pay for anything that is not included under the NHS guidelines, such as bridges, implants, some crowns and white fillings. The NHS charge covers a single ‘course of treatment’ and a new charge will be levied if you begin a new course of treatment.
Read more to know what you will have to pay as an NHS dental patient.
Cash Plans – This is a monthly payment plan that repays either a portion of what you pay or the entire amount for treatment, by the NHS or privately to a specific amount.
Pros: If you perform any treatment, you will get back the money for a certain amount. This can either be a part of the treatment or the entire cost. You can claim for more than what you have paid for the treatment within a year. Cash plans allow spreading costs for a long time and are good for your unplanned treatment. There isn’t any qualifying period and so, you can claim for it immediately. Some workplaces provide cash plans in the form of benefits, which means you do not have to pay for the treatment plan.
Cons: If you do not require any treatment, they may be quite expensive. However, the treatment plans provide coverage for some kind of medical expenses such as osteopathy, opticians etc. There are also some plans that may not cover for the entire bill or all the treatments, but they can lessen what you need to pay for a manageable amount. You will have to pay first and then you can claim for the cost from the company. If the amount is high, then you might be in debt till the claim gets processed.
Private Dental Insurance – In this monthly plan, you will have to pay your dentist for any treatment that you receive and then claim the amount back from the insurer.
Pros: Your dental insurance provides coverage if you have a dental accident or emergency, which might be expensive. Different insurance policies also cover for any accident or emergencies and therefore it is good if you travel a lot. You may choose to pay either monthly or annually according to your convenience and the insurance will give you peace of mind in case you remain worried about paying for huge bills.
Cons: Dental insurance may be costly depending on your health condition and past history. Some dental insurance policies limit the cost of private oral treatment by almost50% which means you will have to pay more. Most policies have a certain period to qualify which is usually one-to-six months based on the policy and you may not be able to claim for the treatment during that time. If you would be diagnosed with cancer, then this will not be covered by most policies. Make sure you check what your plan covers for so that it suits your requirement.
Dental Payment Plan – This payment plan is offered by the dentist so that you pay a certain amount every month towards the treatment received.
Pros: With a suitable dental plan or a capitation plan, you will have to pay a monthly amount which can help to spread the costs. The costs usually depend on the condition of your mouth and the type of treatment you need to perform. There are different kinds of plans which either covers the basic treatments or all the treatments. Most dental plans are suited to meet your needs and may be changed based on the treatment that you will receive over the qualifying period.
Cons: Some people do not know about what is included in their plan and so it’s best that you always check before signing for anything. If you do not wish to see your dentist for routine checkups, you will not get the most value from the plan.
Private Dentistry – This is a kind of dental treatment that is not included under the NHS contract and not subjected to government price caps.
Pros: You will not have to wait for a long time to fix an appointment in private dentistry. Hence, it is quite easy to schedule a dentist appointment according to your convenience.
You will have to pay for the treatment only and further treatment will completely depend upon you. If you want to undergo a treatment that is not available on the NHS, then you will have to pay for it. You can search for different dental practices that offer different prices for the same treatments. After this, you may compare between them and choose the suitable one in terms of dentist and price.
You may perform cosmetic treatments such as tooth whitening and invisible braces through private dentistry that you hardly get through the NHS unless there is a medical emergency.
Cons: The main problem with private treatment is the cost involved with it. Many treatments that are not available on the NHS include –some crowns, tooth implants, white fillings and bridges. These may cost you a significant amount at a private practice. However, the prices will vary between the practices and so, you may compare before choosing a dental practice for your treatment.