DENTAL INSURANCE: WHY IT IS WORTH YOUR DOUGH

DENTAL INSURANCE: WHY IT IS WORTH YOUR DOUGH

In this millennium, medical insurance seems like a no-brainer. Exhaustive medical coverage can indeed save you thousands of bucks in the short and long run. Let’s shift gears to dental coverage, and the trend has more or less been the same.

Dental health insurance can be an excellent addition to your health insurance coverage. You’ll have a deductible before your coverage gets activated, which means that your insurance provider will cater to 20%-80% of your dental bills. However, the million-dollar question remains; do people need dental insurance?

Why do you need dental insurance?

We all want to take great care of our teeth. It makes perfect financial sense to get your dental treatment fees subsidized or free through the NHS. If you can’t visit an NHS doctor here in Ireland, or you need an expensive dental procedure, dental coverage may be the way to go.

NHS dental treatment typically costs around half of private dental care. If you require a root canal, an implant, or a crown, individual dentists will charge you separately for each procedure, which is not the case with NHS-approved doctors.

In Dublin, for example, NHS will charge you only once for a single course of dental treatment, even if you need several appointments to get the job done.

Bearing all this in mind, is coverage essential? Here are some facts:

• Policies cover routine check-ups, emergencies, accidents and any extra dental costs
• You have to pay the doctor first, then request your money back
• Dental coverage set annual limits, starting from €500 up
• You can get the dental job performed at a private clinic or an NHS institution
• You can only claim cash only three months after you enrol for the policy
• Any cosmetic surgery is not covered
• Most plans have a set age range, it is wise to shop around for the ones with the oldest age limit, like 65 years

What are the benefits of dental insurance?

While most people regard dental cover as a form of luxury, it is not. Here are benefits that may help you think otherwise:

It helps spread your dental costs at no zero extra charges

It is cost effective for expensive dental care. Dental crowns, for example, can set you back €1,000 in a private hospital. Dental cover comes in handy in such a case.

You can combine health insurance and a health plan to reduce costs. While HSF is the leading health plan, Glo Health Care, VHI Health Care and Laya Healthcare are the other stable options. These plans aim to cover the daily costs of minor dental procedures. So, for a €678 annual refundable fee, your family will benefit from acute dental care.

You can reap big from specialist dental treatment through a comprehensive dental plan. Get in touch with any firm with such services and experience great value for money. DeCare can be a good pick.

Protects you in case of urgent dental attention

Top 3 Dental Insurance Providers in Ireland

Choosing the most proficient dental insurer in South West Europe is no bread-butter affair. Quite a several factors come into play: services, reputation, pricing. Based on popular opinion and customer reviews, here’s a list of several top-notch insurers:

DeCare

Dubbed as a global leader in oral health care management, DeCare is Ireland’s only specialist dental insurer with a wide range of plans for individuals and corporate members.

The firm has been in operation since 2004 and boasts a streamlined claims process. With 4-stars rating on most customer review platforms, you can be sure of fast and secure support.

Among the services they offer include:

Adult Dental Plan- From less than €15 per month

Kids Dental Plan- From less than €10 per month

Corporate Dental Plan- Includes Levels 1, 2 and 3. You can claim up to €2000 per year with timely check-ups.

Members can submit a claim as soon as treatment is over. Other essential services DeCare provides includes:

Vision Claims Processing

Oral Health Material

Round-the-clock Oral Tips

Wellness Programs for employees

VHI Insurance

One of the leading dental insurers in the UK, this Dublin-based firm boasts of over 1 million members. It thrives on a business model that entails paying for dental consultancy and bills for its various types of members.

They offer financial insurance for an emergency, minor and major dental issues through a dedicated Dentist Direct Pay program. With zero waiting period on plan benefits, adults and kids can apply without obligations.

Some of the essential plans on offer include:

Investigative & Preventive treatment- 100% cover on two dental cleans every year. Additionally, you’ll get immediate full protection for two routine and one comprehensive dental checks per annum.

Everyday Dental Cover- 70% cover for necessary treatments after three months

Dental Plan Plus- Upgrade to this package and earn premium benefits such as €5,000 oral cancer benefit, €2000 cover for accident-oriented implants and €1,000 for orthodontics.

Visit their official page and get up-to-date price quotes on dental plans. Today, a dental cover from VHI will cost you:

Monthly Payment: €22.84

Annual Payment: €274.17

For these prices to apply, you should be a registered member and under 39 years of age.

CornMarket

Perhaps the only insurer where customer service is of utmost importance, CornMarket is an affiliate of DeCare USA and one of the most affordable in the market today. For as low as €5 per week, you can enjoy specialized dental cover without breaking a sweat.

Patients don’t require the pre-assessment courtesy of their TeamCare Dental plans, which also provides comprehensive oral care anytime. It is the only insurer in the UK with no policy access, so you reap more when you make a claim.

Their pricing lists as follows:

Level 1: From €20.54 per month; 40% back on minor procedures (fillings, extractions), 40% back on major dental operations (root canals, dentures, bridges).

Level 2: From €24.92 per month; 50% back on minor surgeries, 50% on significant procedures; up to €750 back on orthodontics

Level 3: From €31.23 per month; 70% on minor surgeries, 70% on substantial operations: up to €1,000 on orthodontics

The waiting period is quite flexible and may range between 3-18 months, depending on the nature of your plan.

Wrapping Up

Dental plans have become a fundamental component of oral insurance. What are you waiting for when you can smile confidently with no worries?