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How do ordinary working people afford major dental treatment costs?

179 replies

Heereforagoodtime · 24/06/2026 11:59

My husband has just called, having been to the dentist, and he needs a back tooth to either be worked on and crowned or removed. The cost of the work is going to be over £1k. I don't know about the cost of the removal but, if he had it taken out, it would mean he'd be without two consecutive teeth on one side. I've just had a look at implants and they are so expensive.

I have a feeling this won't be the last of his issues, either. His teeth are terrible.

How do ordinary working people, who don't get any assistance, afford dental care?!

OP posts:
icannotlivelaughloveintheseconditions · 24/06/2026 16:32

Why is it so expensive? Band 3 treatment is about £300 on NHS! And that’s per treatment not per tooth. Extraction is cheapest option about £80

Sparrowsandbudgies · 24/06/2026 16:37

Heereforagoodtime · 24/06/2026 15:32

Eesh. Sorry to hear you've been through that. Crazy that the most economical way for the state to handle it is wait until it's an emergency!

To be honest I think it’s becoming that way with a lot of health issues now. Waiting lists can be so long that people end up with an emergency in the waiting time and having to get it fixed that way.

Boomer55 · 24/06/2026 16:43

Heereforagoodtime · 24/06/2026 11:59

My husband has just called, having been to the dentist, and he needs a back tooth to either be worked on and crowned or removed. The cost of the work is going to be over £1k. I don't know about the cost of the removal but, if he had it taken out, it would mean he'd be without two consecutive teeth on one side. I've just had a look at implants and they are so expensive.

I have a feeling this won't be the last of his issues, either. His teeth are terrible.

How do ordinary working people, who don't get any assistance, afford dental care?!

I don’t get any top ups or benefits, but I just pay from savings or an interest free credit card.

I’ve spent thousands on my bloody teeth. 🙄

Interested in this thread?

Then you might like threads about these subjects:

Tootyfilou · 24/06/2026 16:54

@tenpints If you are a dentist I assume you are not in the same socioeconomic class of the many people in the UK who have no access to dental care, not because they have a takeaway coffee, or god forbid a manicure.
NHS provision has been cut to the bone under successive governments, and private dental treatments are just beyond the reach of thousands of people. Your remarks are facile and show a complete ignorance of the lives of the majority of people in the UK today.

ByWittyGoose · 24/06/2026 17:15

It's pretty upsetting to pay 2 weeks food budget just to sit in a chair for under 5 minutes and have someone prod your gums so you can stay on the books. Especially when that someone drives an Aston Martin.
I pay it because I want to look after my teeth and Iove the hygienist there, but when i think about the things I could do with that money 😔

FondMargaret · 24/06/2026 17:40

tenpints · 24/06/2026 13:35

I’m an NHS dentist who also does some private work. I won’t go into the reasons why dentistry is so expensive but unfortunately it is.
what I will say is that I have worked with the general public for thirty years and I have noticed that people find the money for nails, hair, takeaway coffee, eyebrows, holidays, gym, designer handbags, takeaway food, Botox, socialising, accessories, cinema, days out, fancy cars , restaurants…
Of course I’m aware that there are others who can’t afford these things, and that’s where NHS dentistry absolutely should be available and costs supplemented by the government. I’m not arguing that.
But my point is that I hear and see people every day moaning about the cost of a filling despite spending money on non essential luxuries.

surely the mindset should be that dental health is a priority?

I do not have any of the little luxuries that you have put on your list above. I should probably be entitled to nhs dentistry but the fact is that there are NO nhs dentists taking on patients in my area or outwith.

I haven't had a professional haircut for over a year, I drive a 12 year old car, i haven't had a family holiday since 2023 ( and nothing this year either) and i'm paying out the little money I have to provide braces for my child who was being bullied about his teeth
I was shown a chart with photos of teeth that were eligible for nhs dentistry and my son's were deemed not 'bad enough'.

The people you get in your chair are not representative of me, or my family at all.

I agree that people need to change their mindset about dentistry in this country but there are so many who will know dental care is a luxury they just can't afford.

upinaballoon · 24/06/2026 17:46

'I think it's a disgrace the way this has happened in this country'.

Yes. A re-think would be welcome.

bumblebee1000 · 24/06/2026 17:53

I visit relatives in barcelona about 5 times a year and use a dentist over there..its around 50% cheaper and more thorough...a 45 min deep clean, check up and xrays just cost me £40....but i have now found a great nhs dentist local, its a new practice so pleased so far with treatment there.

YesIKnowThatThankyou · 24/06/2026 17:59

tenpints · 24/06/2026 13:35

I’m an NHS dentist who also does some private work. I won’t go into the reasons why dentistry is so expensive but unfortunately it is.
what I will say is that I have worked with the general public for thirty years and I have noticed that people find the money for nails, hair, takeaway coffee, eyebrows, holidays, gym, designer handbags, takeaway food, Botox, socialising, accessories, cinema, days out, fancy cars , restaurants…
Of course I’m aware that there are others who can’t afford these things, and that’s where NHS dentistry absolutely should be available and costs supplemented by the government. I’m not arguing that.
But my point is that I hear and see people every day moaning about the cost of a filling despite spending money on non essential luxuries.

surely the mindset should be that dental health is a priority?

^ This. Don’t forget sleeve, neck, leg, back, belly tattoos.The money people spend on these!
Family and friends are dentists (some NHS).
They say a lot could be avoided with 2 mins brushing twice a day & flossing at least once a week. It’s not much to ask.
Also the consumption of sugar is astonishing.

tenpints · 24/06/2026 18:06

Ok. I don’t want to be described as facile. So I’ll explain further if you prefer?

The NHS was established after the war, and was free at the point of access for everyone. But within two years the government realised that dentistry was costly. Especially at that time as in think about 80% of the population required dentures.
so that’s why you’ve always had to pay for dentistry on the NHS. I’m NOT a politician and I am not responsible for the lives of the majority of people today. And I am NOT ignorant to it. I do have a social responsibility and I DO treat a majority of NHS people.

however someone else upthread asked why dentistry is so expensive and someone else mentioned an Aston Martin.

I’ll attempt to respond in general. I don’t know any dentists driving Aston Martins. Yes of course there will be implant specialists who have stidied hard and made sacrifices throughout their career to be able to offer these very skilled, very complicated treatments.
they’ve worked hard, they charge appropriately and they deserve it. I don’t see other high earning professions getting such a hard time over their earnings.

However the average dentist has completed five years at university. Recent graduates did six years due to Covid restrictions. Then they do a foundation training year. In some cases extended training beyond this.
for their time in university they accumulate substantial debts, living expenses, course fees etc. it’s not like the majority of other courses, as they can’t really get part time work as they are expected to be on clinics /classes 9-5 every day, including the summer. I only ever got one full summer holiday at the end of my first year.

They graduate, relocate to where the jobs are. They need to pay for indemnity, GDC professional fees, insurance, sickness and critical illness. They are self employed so unlikely to take many holidays as this is unpaid. This leads to burn out.
dentistry has the highest level of suicide amongst young professionals.

they are disliked as is clear on this thread. They are constantly practicing defensive dentistry as there is a real worry about spurious claims, complaints and concerns. The GDC are particularly harsh compared to GMC and other professional bodies. They need to pay for uniforms, loupes, specialist equipment, lab bills, training courses. They give their practice principal 50% of their earnings.

I’ve been practicing for over 30 years and own my own practice. I drive a second hand Volvo.

as a practice owner I have additional expenses- staff wages ( ever increasing), employers natiknal
jmsurance payments, which has taken a huge hike.

I pay for water, electricity ( again HUGE increases), materials ( this has doubled in five years)
we pay for PPE, computer/IT expenses and training/maintenance, pressure vessels such as compressors and sterilisers. Maintenance , repair and inspection.
we pay for engineers to keep chairs working. We need to pay for our x ray machines.
contents, building insurance, banking, card machines, scanners, staff training, well being matters.
in the last year we needed a new roof and had to update all our computers to ensure compatibility with Windows 11. We pay accountancy and legal fees, HR and health and safety support. We have cleaners, waste management fees,
a lot of us train, at our own expense, to gain further qualifications. We then need to register with the professional bodies to maintain registration.

we need to ensure our equipment is up to date and fit for purpose. An average handpiece costs about £600. A small 5 g tube of Ledermix paste that we use for first stage root canal treatment is £100!

it’s a hugely expensive business. I also have a huge mortgage and business loan out on my business currently. At least half my earnings after all of the above go to help pay that off. I can only afford to pay it off over a 25 year period so I have no hope of paying the loans off before I retire.
You’d be surprised how little is left after all of the above. That is the reality.

NHS funding is not a limitless pool. Nowhere near. Dentists do private work for three reasons in my opinion. Firstly to supplement their NHS funding, as sometimes they end up working at a loss. Secondly the NHS only funds health concerns. Anything aesthetic is classed as private. As I mentioned too Ed in my last post it’s my experience that a lot of the population prioritise this.
I even sometimes have patients come in with bleeding gums and mobile teeth and all they want is tooth whitening.

the third reason is because they like it. Not all dentists want to place amalgams and scale teeth all day long. They want to enhance their skills. Nothing wrong with that

as I stated from the outset, I am an NHS dentist predominantly and I do feel a huge responsibility to maintain that service. Even then, that’s tricky. We have to regularly close our books to new patients. When we advertise that we are taking on new clients, we end up with about 800 calls in a couple of days!

I stand by my claims that some folk don’t prioritise dental care, and would rather spend the money on a haircut. But thankfully in general, my patients are great, grateful, compliant and listen to my advice.

if you feel so strongly, please raise this with your MP. Please don’t give us any more grief. Believe me, we get enough

tenpints · 24/06/2026 18:09

YesIKnowThatThankyou · 24/06/2026 17:59

^ This. Don’t forget sleeve, neck, leg, back, belly tattoos.The money people spend on these!
Family and friends are dentists (some NHS).
They say a lot could be avoided with 2 mins brushing twice a day & flossing at least once a week. It’s not much to ask.
Also the consumption of sugar is astonishing.

Yeah, the vast majority of dental problems are preventable

tenpints · 24/06/2026 18:12

FondMargaret · 24/06/2026 17:40

I do not have any of the little luxuries that you have put on your list above. I should probably be entitled to nhs dentistry but the fact is that there are NO nhs dentists taking on patients in my area or outwith.

I haven't had a professional haircut for over a year, I drive a 12 year old car, i haven't had a family holiday since 2023 ( and nothing this year either) and i'm paying out the little money I have to provide braces for my child who was being bullied about his teeth
I was shown a chart with photos of teeth that were eligible for nhs dentistry and my son's were deemed not 'bad enough'.

The people you get in your chair are not representative of me, or my family at all.

I agree that people need to change their mindset about dentistry in this country but there are so many who will know dental care is a luxury they just can't afford.

Then speak to your MP. NHS dentistry should be available to those that require it. And it should be funded appropriately.
I too drive a 12 year old second hand car.
if your child is being bullied as a result of his malocclusion you should be able to appeal the decision.

Gallusoldbesom · 24/06/2026 18:12

Move to Edinburgh! Seriously, I have a NHS dentist and my DD and DH are also NHS at a different practice, quite a few are advertising for NHS patients. I have the option to pay more for things like white fillings but a bridge was done on the NHS and cost about £300. We only get one free check up/clean a year now instead of 2 but I can cope with £50 for a scale and polish in between annual check ups. Edinburgh Uni has a large dental school so that maybe helps with the number of available dentists. The NHS/Universities should make students work for the NHS for 5 years when they graduate or make them repay the real cost of their training.

tenpints · 24/06/2026 18:17

ByWittyGoose · 24/06/2026 17:15

It's pretty upsetting to pay 2 weeks food budget just to sit in a chair for under 5 minutes and have someone prod your gums so you can stay on the books. Especially when that someone drives an Aston Martin.
I pay it because I want to look after my teeth and Iove the hygienist there, but when i think about the things I could do with that money 😔

How come a dental examination is two week’s food budget? How much do you pay as that sounds a bit exaggerated?
in Scotland NHS checkups are free. Privately they can be anything from about £40-£80? they normally last 20-30 minutes.
I’ve never come across a practitioner ( I’ve witnessed many due to the nature of an examiner role that I do ) who only takes 5 minutes to complete a full exam, unless it’s a sleeping baby with only a few teeth. Even then we would want to spend time on diet advice and oral hygiene instruction

YesIKnowThatThankyou · 24/06/2026 18:19

tenpints · 24/06/2026 18:06

Ok. I don’t want to be described as facile. So I’ll explain further if you prefer?

The NHS was established after the war, and was free at the point of access for everyone. But within two years the government realised that dentistry was costly. Especially at that time as in think about 80% of the population required dentures.
so that’s why you’ve always had to pay for dentistry on the NHS. I’m NOT a politician and I am not responsible for the lives of the majority of people today. And I am NOT ignorant to it. I do have a social responsibility and I DO treat a majority of NHS people.

however someone else upthread asked why dentistry is so expensive and someone else mentioned an Aston Martin.

I’ll attempt to respond in general. I don’t know any dentists driving Aston Martins. Yes of course there will be implant specialists who have stidied hard and made sacrifices throughout their career to be able to offer these very skilled, very complicated treatments.
they’ve worked hard, they charge appropriately and they deserve it. I don’t see other high earning professions getting such a hard time over their earnings.

However the average dentist has completed five years at university. Recent graduates did six years due to Covid restrictions. Then they do a foundation training year. In some cases extended training beyond this.
for their time in university they accumulate substantial debts, living expenses, course fees etc. it’s not like the majority of other courses, as they can’t really get part time work as they are expected to be on clinics /classes 9-5 every day, including the summer. I only ever got one full summer holiday at the end of my first year.

They graduate, relocate to where the jobs are. They need to pay for indemnity, GDC professional fees, insurance, sickness and critical illness. They are self employed so unlikely to take many holidays as this is unpaid. This leads to burn out.
dentistry has the highest level of suicide amongst young professionals.

they are disliked as is clear on this thread. They are constantly practicing defensive dentistry as there is a real worry about spurious claims, complaints and concerns. The GDC are particularly harsh compared to GMC and other professional bodies. They need to pay for uniforms, loupes, specialist equipment, lab bills, training courses. They give their practice principal 50% of their earnings.

I’ve been practicing for over 30 years and own my own practice. I drive a second hand Volvo.

as a practice owner I have additional expenses- staff wages ( ever increasing), employers natiknal
jmsurance payments, which has taken a huge hike.

I pay for water, electricity ( again HUGE increases), materials ( this has doubled in five years)
we pay for PPE, computer/IT expenses and training/maintenance, pressure vessels such as compressors and sterilisers. Maintenance , repair and inspection.
we pay for engineers to keep chairs working. We need to pay for our x ray machines.
contents, building insurance, banking, card machines, scanners, staff training, well being matters.
in the last year we needed a new roof and had to update all our computers to ensure compatibility with Windows 11. We pay accountancy and legal fees, HR and health and safety support. We have cleaners, waste management fees,
a lot of us train, at our own expense, to gain further qualifications. We then need to register with the professional bodies to maintain registration.

we need to ensure our equipment is up to date and fit for purpose. An average handpiece costs about £600. A small 5 g tube of Ledermix paste that we use for first stage root canal treatment is £100!

it’s a hugely expensive business. I also have a huge mortgage and business loan out on my business currently. At least half my earnings after all of the above go to help pay that off. I can only afford to pay it off over a 25 year period so I have no hope of paying the loans off before I retire.
You’d be surprised how little is left after all of the above. That is the reality.

NHS funding is not a limitless pool. Nowhere near. Dentists do private work for three reasons in my opinion. Firstly to supplement their NHS funding, as sometimes they end up working at a loss. Secondly the NHS only funds health concerns. Anything aesthetic is classed as private. As I mentioned too Ed in my last post it’s my experience that a lot of the population prioritise this.
I even sometimes have patients come in with bleeding gums and mobile teeth and all they want is tooth whitening.

the third reason is because they like it. Not all dentists want to place amalgams and scale teeth all day long. They want to enhance their skills. Nothing wrong with that

as I stated from the outset, I am an NHS dentist predominantly and I do feel a huge responsibility to maintain that service. Even then, that’s tricky. We have to regularly close our books to new patients. When we advertise that we are taking on new clients, we end up with about 800 calls in a couple of days!

I stand by my claims that some folk don’t prioritise dental care, and would rather spend the money on a haircut. But thankfully in general, my patients are great, grateful, compliant and listen to my advice.

if you feel so strongly, please raise this with your MP. Please don’t give us any more grief. Believe me, we get enough

Excellent post.
I don’t think people understand the stress of holding a drill in someone’s mouth which if it slips could kill the patient (nervous patients are often jittery ); rude patients who enter the surgery with complete contempt.
NHS is 10 mins appointment (check up) people often 5/6 mins late.
Then the dentist has to write up detailed notes in that 10 mins in case they decide to sue them.

DelilahBucket · 24/06/2026 18:21

We have DenPlan and we look after our teeth.

tenpints · 24/06/2026 18:23

Gallusoldbesom · 24/06/2026 18:12

Move to Edinburgh! Seriously, I have a NHS dentist and my DD and DH are also NHS at a different practice, quite a few are advertising for NHS patients. I have the option to pay more for things like white fillings but a bridge was done on the NHS and cost about £300. We only get one free check up/clean a year now instead of 2 but I can cope with £50 for a scale and polish in between annual check ups. Edinburgh Uni has a large dental school so that maybe helps with the number of available dentists. The NHS/Universities should make students work for the NHS for 5 years when they graduate or make them repay the real cost of their training.

Edinburgh uni don’t have a dental school. Only Aberdeen, Glasgow and Dundee produce graduates.
they do have a post grad dental institute at Lauriston, but sadly they are losing funding for some of their masters programme. This is concerning, as we desperately need specialist training in orthodontics, restorative, oral medicine and surgery.
the long term implications are concerning.
however I agree that there are plenty of options for NHS dentistry in Edinburgh. The Scottish government have invested in NHS dentistry. A new contract came out two years ago which has generally been favourable, but is still a bit limited

blankittyblank · 24/06/2026 18:26

Gallusoldbesom · 24/06/2026 18:12

Move to Edinburgh! Seriously, I have a NHS dentist and my DD and DH are also NHS at a different practice, quite a few are advertising for NHS patients. I have the option to pay more for things like white fillings but a bridge was done on the NHS and cost about £300. We only get one free check up/clean a year now instead of 2 but I can cope with £50 for a scale and polish in between annual check ups. Edinburgh Uni has a large dental school so that maybe helps with the number of available dentists. The NHS/Universities should make students work for the NHS for 5 years when they graduate or make them repay the real cost of their training.

london and Bristol are the same. I live in east London and have about 4 nhs dentists in walking distance. But like Edinburgh, that’s because there are loads of dental schools in the area. That’s why some places have more nhs options than others

IDontHateRainbows · 24/06/2026 18:30

Crushed23 · 24/06/2026 12:30

Dentistry has effectively been privatised in the UK. The sooner people accept that and take out insurance to cushion the blow, the better.

We can expect many more health services previously covered by the NHS to go the same way, I’m afraid.

A relative paid thousands of pounds for a gall bladder operation that had a 2-year waitlist on the NHS.

I paid £2k I could ill afford for a minor op as the nhs wait list was so long.... we swapped our planned holiday to a very modest uk caravan break not rich but I suppose not so poor we had no way of finding the money.

Will only get worse as I age and the welfare state collapses.

IDontHateRainbows · 24/06/2026 18:32

blackheartsgirl · 24/06/2026 13:45

I’ve had a lot of my bottom teeth pulled at the back on one side as it was cheaper,

Meh it’s only teeth, I’m past the age where I’ll find another partner anyway and the rest of my teeth are ok.

id rather have enough to eat and pay my rent than have perfect teeth

Yeah but what will you eat with?

seanconneryseyebrow · 24/06/2026 18:33

I had a row with my SIL about this. She was sneering at people who have visably missing teeth, and how 'gross' they are, and how she walked out of a restaurant because a server was missing teeth. I told her how judgemental and unfair that was. That people on a decent wage can't afford dental work and how she is in cloud cuckoo land and doesnt make people unhygienic or 'gross' as she put it. I myself earn well, but have missing bottom teeth (I have failed implants so have a denture). That was expensive enough so I can see why someone on minimum wage would struggle - and sometimes you have to wait for gums to heal before you can use anything (i had to for 6 months it was awful).

Judgemental cow. Its terrible having poor/missing teeth without people judging you.

LilyBunch25 · 24/06/2026 18:36

As said ordinarily working person whose NHS denture work was a complete failure, gone into debt. By the time its finally over with the private work as well, it'll be over £2k on my credit card.

Bikenutz · 24/06/2026 18:38

HoppityBun · 24/06/2026 13:50

I agree.

The problems come when you need substantial work and the money just isn’t there. My teeth and gums are healthy but misaligned and worn down. I need to have them straightened and then each tooth will have to be built up. It’s that or have them all out and dentures. This is complicated by frankly cavalier NHS treatment in the 60s and 70s that left me with unnecessarily large fillings and little teeth to attach them to. Then no one, not even a famous dental hospital, spotted that my teeth were getting worn down because of misalignment and unnecessary orthodontic treatment in my childhood. It was all “you must grind your teeth in your sleep”. I don’t.

I respect my current dentist, who has gone to infinite trouble and sent me to a referral practice to check. But the fact remains that I’m facing costs that I just can’t fund.

I am sure many can relate to this. I have always looked after my teeth and have a basic dental plan that covers an annual check up and hygienist appointment, but if I needed major work, I would need to either pull it from my savings intended to help fund my retirement, or make it part of a trip to a lower cost country made for another purpose.

Tootyfilou · 24/06/2026 18:41

The reason Dentistry was partially privatised was to pay for the Korean war. I am not blaming individual dentists, its the fault of successive governments that NHS dentist provision has been virtually abolished in many areas of the country.

Nevertheless I stand by my comment that your remarks were facile, or at least tone deaf to the lives many people lead.

Poor dental health is a huge public health issue, as I am sure you know, but it is the poorest in our society that are affected not just because of lack of affordable/ free dentistry by for a myriad of health and economic reasons.

Chimneyissues · 24/06/2026 18:42

I know someone whose teeth are like black stumps. I know 10 years ago it would be thousands to do something about it.
However he isn’t poor, and spends lots of money going out, tattoos etc. so I’m sure he could have prioritised saving for it. They are very bad and I wonder what will happen as he gets older if he’s left with anything to eat with.

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