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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Can I take out dental insurance for this?

19 replies

surreymother1 · 04/10/2022 19:37

There’s some dental work I probably need soon and I could also do with braces to fix a cross bite. Researching how to pay and there is mention of using dental insurance which I don’t currently have. Some sites talk of getting dental plans in place before starting work. But to me it seems my issues are clearly pre-existing though haven’t been formally diagnosed by a dentist yet. Do you think I can take out insurance, wait a few months then get work done? It seems a bit odd if I can but has anyone done this sort of thing? I’d be joining a workplace scheme and obviously would state pre-existing conditions if asked, but strictly speaking not sure if things like filling replacement would count if it’s not necessary yet?

OP posts:
NEmama · 04/10/2022 19:39

You can't get insurance if you know you need treatment already!

VeniVidiWeeWee · 04/10/2022 19:40

Well, apart from being illegal...

saltinesandcoffeecups · 04/10/2022 19:42

Look at some policies and find out what their pre existing conditions policies are. Most should have the information on their website.

WhileMyGuitarGentlyWeeps · 04/10/2022 19:46

Yeah no WAY can you be taking out insurance when you need work. They will find out what you needed and will refuse any claim.

You will need to pay for this and then take the insurance out afterwards, to cover any FUTURE bills.

These 'sites' saying take insurance out to pay for the work are chatting shit. It's basically fraud, and as I said, the insurance will be refused.

Original poster
surreymother1 · 04/10/2022 19:46

Thing is people have a fair idea about the state of their mouth, it’s not such a black box as some health issues. It’s an employer scheme I’d join, I guess they might insist on a check up at the start, not sure what is usual.

OP posts:
AdInfinitum12 · 04/10/2022 19:48

Some of the above is bollocks. It all depends on individual policies.

My workplace dental policy covers pre existing conditions, even if you were aware of work that needed doing, providing nothing has actually happened/been booked/referred to a specialist etc. All policies are different.

saltinesandcoffeecups · 04/10/2022 19:50

I am bored today so I just went out to BUPA’s website and they stated they would not cover any pre existing work. And they would not cover any identified needed work if the patient didn’t have dental records from the preceding 24 months.

Hence my earlier suggestion to go to the websites

NoseyNellie · 04/10/2022 19:50

No one here can confirm the terms and conditions of your work scheme - a private, individual policy will exclude pre existing stuff, your work one may not.

Not dental, but my work medical did cover pre existing conditions and I had surgery through it.

WinOutdoors · 04/10/2022 19:52

I'm going to go against the grain and say if you haven't yet seen anyone about it/ been diagnosed, it's not "pre exisitng"

That said, when DH (with very neglected teeth) signed up to a dental plan, they insisted on all the work needed at the time being done before they would take him as a client. However, if it's just a question of declaring preexisting, I don't think you need to as you haven't sought advice previously.

saltinesandcoffeecups · 04/10/2022 19:53

I just realized that was confusing… in other words RE the the 24 months. If you go to your first visit under insurance and they identify a cavity. Your insurance is going to want proof that it didn’t exist on your last pre insurance visit. If you haven’t seen a dentist in over 2 years they will assume that the problem pre dates your insurance and will be excluded

Beneficialchampion2 · 04/10/2022 19:57

No insurer will put you on their plan without seeing the health of your mouth first.

You will need to pay for any treatment to get yourself healthy. After which you will be assessed and graded into a bracket based on your care needs, your monthly payment will reflect the 'perceived' expectance of care you will require in the future.

Source 'missus works in a dental practice'.

saltinesandcoffeecups · 04/10/2022 19:58

saltinesandcoffeecups · 04/10/2022 19:53

I just realized that was confusing… in other words RE the the 24 months. If you go to your first visit under insurance and they identify a cavity. Your insurance is going to want proof that it didn’t exist on your last pre insurance visit. If you haven’t seen a dentist in over 2 years they will assume that the problem pre dates your insurance and will be excluded

Honestly an edit button would be nice. Hit post too soon.

‘That was one example… all plans are different so you need to research the individual plans for yourself.
Everyone here could tell you all about their dental plan and it won’t do you any good the only thing that matters is the plan you buy.

Original poster
surreymother1 · 04/10/2022 20:04

Ok thanks. I will research the plan. It’s a set amount per employee and doesn’t change depending on health of employee

OP posts:
Original poster
surreymother1 · 04/10/2022 20:05

So they can’t charge more if teeth in a bad state but they might exclude stuff

OP posts:
LIZS · 04/10/2022 20:09

If it is not covered by nhs as "functionally necessary" it will probably be deemed cosmetic so excluded anyway.

LIZS · 04/10/2022 20:09

Depends, Denplan pricing is based on an assessment of your teeth.

Iamcloey · 04/10/2022 21:13

Absolutely!
My work medical plan covers pre-existing conditions, which to someone with a massive amount of health conditions seems insane. I've also got the option to pay an extra £15-20 per month to have dental covered which covers existing dental issues, I don't know if it goes as far to cover orthodontics but it's an amazing option

LIC1985 · 04/10/2022 21:17

AdInfinitum12 · 04/10/2022 19:48

Some of the above is bollocks. It all depends on individual policies.

My workplace dental policy covers pre existing conditions, even if you were aware of work that needed doing, providing nothing has actually happened/been booked/referred to a specialist etc. All policies are different.

This is the same for my work policy! Pre existing is fine 😊

Greendoorsaremyfavourite · 04/10/2022 21:26

I have a plan through work. The level I have only covers NHS and emergency costs though. I didn't have any kind of check up prior to cover being in place. We just submit the invoices and they reimburse you. It's never been questioned as to whether any of the issues were pre-existing.
Just have a look at the policy documents to confirm

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