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A Helpful Guide to Your Dental Treatment Costs

The UK offers a large number of choices when it comes to dental treatments. Thus, patients not only get to choose what type of treatment they want but they can also decide how they will pay for it. Given the wide range of choices, choosing the best payment option often proves to be confusing. A busy dentist based at Croydon in London and associated with the reliable Smile 4 U dental practice will try to clear the air and settle all doubts through this blog post.  

Read on to find out more.

NHS charges

The costs of NHS dentistry are set by the UK Government. The costs differ based on your location; for example both England and Wales have 3 bands each but the cost in England ranges between £21.60 and £256.50 while that in Wales is between £14 and £195.      

Advantages

As a patient, you get to know the exact price that you have to pay. As welfare measure, the NHS offers free treatment to a section of patients. These include children up to 18 years of age (or 19 if they are pursuing full-time education), pregnant women, mothers till their child turns 1, people on income support and those who are on income-based job seeker’s allowance.   

Disadvantages

Usually, NHS treatments have huge rush and you may have to wait a considerable amount of time to get an NHS dentist appointment. If you fail to turn up at an appointment, for whatsoever reason, the dentist can stop continuing with your treatment in the future if he or she decides to.

The NHS offers treatment only for selective dental conditions that are deemed necessary. Those include crowns, silver fillings, tooth extractions and root canal. You have to make full payment for any other treatments that is included in the NHS scheme.

Cash plan

You are offered a monthly payment plan that reimburses all or a part of your treatment cost – either NHS or private – up to a specified amount.

Advantages

You get the treatment cost back up to a specified amount irrespective of the treatment you have. This can either be the full cost you paid or just a part of it. You can claim far more than the amount you paid for the plan but for that you may have to wait a year. Patients armed with cash plans enjoy the benefit of spreading their treatment cost over a longer timeline. Cash plans are ideal for costly treatments as well as unplanned ones. Many workplaces in the UK offer cash plans to employees as benefit. Thus, you don’t end up paying for it from your own pocket.   

Disadvantages

Cash plans not only cover dentistry but also other branches of medicine including optician and osteopathy. Some plans may not cover your entire treatment cost or every treatment over a specific period of time. But those plans cut down the amount you need to pay which will make things overall easier for you. However, an NHS dentist in Croydon points out that you have to pay first before claiming the money back.

Private dental insurance

This is a monthly plan in which you pay your dentist for the treatment received and then claim the sum back from your insurer.

Advantages

A dental emergency may occur any moment. When you have a private dental insurance, you are covered for those unexpected and untimely emergency dental treatments. Many such insurance plans also cover you for dental emergencies and accidents abroad. So it is ideal for people who travel a lot. The payment can be made monthly or annually.

Disadvantages

Depending on your dental condition and history, dental insurances can be exorbitantly costly. Some of these policies cap the cost of private dental treatments and because of that, you will end up paying more. The policies usually have a qualifying period, ranging from 1 to 6 months. You are not eligible to submit your claim during this time. Most new policies do not offer coverage for cancer patients.

Capitation Plan or Dental Payment Plan

It is a payment plan offered by a dentist by virtue of which you pay a monthly installment for any treatment you have undergone.

Advantages

A capitation plan or dental payment plan entitles you to make a fixed monthly payment for a fixed time period. This way, the treatment cost is spread over to facilitate greater affordability. These plans are meant to suit your unique needs and can easily be customised depending on the treatment you require over the stipulated time frame.

Disadvantages

Some patients remain confused about the treatment aspects covered in their plan. Therefore, you are suggested to dig deeper and know everything about the benefits being offered to you before signing. If you visit dentists seldom, then this is not a great bargain. You may also face difficulties in moving your plan when you move to a new dentist.  

Private dentistry

These oral health treatments are not offered on the NHS and are neither subjected to price tags issued by the government.

Advantages

According to one of the best dentists in Croydon, there are many benefits of private dentistry. Usually there is no wait time – you get appointments easily and treatments faster. People usually shop around for the best price for private dentistry treatments. The cost varies widely between practices. However, you have to pay the cost of the initial diagnosis upfront at every clinic. If you are planning for cosmetic dentistry treatments, this option is most ideal.

Disadvantages

Private dental treatments are very costly.