Dental phobia... Talk to me about dental insurance

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Boring non festive post

So is denplan a good thing? Or am I better just saving money each month and paying as I go? The family have little disposable income... About £80 a month for treats and takeaways or Ice creams. Etc.
So I need to feel this is a useful spend, I can't do it lightly.

I'm suspicious of all insurance and all dentists too, as I'm phobic and struggle in a big way. However I've decided to try sort this out and find a way of accessing dental care and sorting my teeth out.

I need to be able to access the right dentist for me so perhaps it would help?

I'm a difficult patient 😔

Could you book a check up first to discuss what needs/wants doing? Then you can ask for the ball park figure which might help you to work out whether saving or insurance is the better plan.

Are there no NHS dentists near you?
Our NHS dentist went private a few years ago and suggested a dental plant of £30 a month. We found an NHS dentist instead and have spent nowhere near that amount on our teeth.

Denplan is good in a way but you need to be dentally stable to start so If you were going to get it to get numerous fillings/root canals etc you'd have to pay separately first and then start denplan. Which I don't think is worth it. Also a lot of things aren't covered by Denplan and they don't always make that clear. My FIL and DH are both dentists that use this and love it but speaking as a dental nurse I've spoken to patients who get quite annoyed by the hidden costs with Denplan.

Excellent insights thank you.

I had a local NHS about 4 years ago but I was frightened of him.

The nearest taking patients at present is about 40miles...i just can't cope with driving after seeing them. I'll keep ringing local ones though and hopefully hit on an. NHS space... But they're not going to want a gibbering high maintenance wreck are they. I was thinking private might be the only option.

I have denplan now, was NHS with the same dentist. Also was a nervous wreck but I had an extraction which cured me as it wasn't anywhere near as bad as I thought!

I've just had an extraction recently and am. Still feeling the panic. Am absolutely hopeless. It properly puts me in dark places, maybe an adrenaline overdose or something.

Dentally stable... That's a life goal right there! I need to make that happen. Maybe I need to just go private, find a supportive dentist and somehow fund it. People get loans for less, I suppose.

Where are you based?

I listen to music through headphones which helps and my dentist lets me take breaks