How Insurance Works for Dental Services

Dentist Checking Patient TeethOral hygiene starts with brushing your teeth twice a day and paying visits to your dentist for bi-annual cleaning sessions. The latter can easily rake in a considerable amount of money, and that’s where insurance comes into play.

In the U.K., dental insurance normally covers both regular services and non-routine treatments such as dental implants. If you live in Loughton, dental implant services can be included in your insurance package.

What’s more, some employers are offering dental plans as an added benefit to retain talents—another reason to keep your job when you have this benefit. Likewise, more than a third of employees say a dental plan would have a positive impact on their opinion for a company.

Insurance Stats

According to the Oral Health Foundation, employees who call in sick due to oral health problems costs the British economy an estimated £2.8 billion per year.

At the same time, nearly half England’s adult population has not paid a visit to a National Health Service dentist in two years. In terms of the insured population, 88% have no dental insurance plans. By gender, only 11% of men and 13% of women have them.

Plan Types

A maintenance plan and a capitation plan are some examples of dental coverage plans. Maintenance plans provide routine care and maintenance work, as well as cover accidents and emergencies. These plans usually cover two dental examinations, two dentist visits with x-rays each year.

On the other hand, capitation plans serve as an upgrade to maintenance plans. These offer unlimited treatment for a wide variety of services such as dental implants, root canal and extraction amongst others.

Cost-cutting

With the advent of the Internet, there are many ways to find bargain deals online for dental work. For instance, some dentists post ads to websites such as Groupon and LivingSocial. However, read the terms of each promotional offer very carefully and take note of the expiration.