Private Dental Plan vs NHS

[moochops]

We currently pay for a Denplan policy, this covers myself and DH. Our 2 DC are covered by NHS as they are

Never paid private, always paid NHS. Private policy seems waste of money

Just go privately but pay as you need treatment?

We get excellent treatment on the NHS so I wouldn’t consider a policy like that to be good value. Occasionally the dentist recommends we pay for private treatment because the NHS treatment is too basic (eg for a dental implant), but that’s very much on a pay as you go basis.

I don’t think dental plans are worth it unless you get it cheap/free with work.

Just pay as you go privately as and when you need.

What do you get for that? Does that include check-ups/ hygienist or is it only against major treatments?

If it doesn't include check--ups etc I'd be inclined to cancel and stick what you were paying in a savings account and use that to pay for any future treatment.

I go twice a year for check-ups and the occasional bit of polishing, ans does dh. We probable pay in a year what you pay in a month. I think some dentists only work on a dental plan basis, though

We have a similar private plan because finding an NHS dentist round here is virtually impossible.
Ours covers two checkups + scale and polish a year, and also covers our children. The NHS would be cheaper, but as I say we couldn't find a dentist!!

The dentist is pretty good in terms of flexibility of appointments etc though - and is virtually always on time, which was not my experience when I was with an NHS dentist - so perhaps we are paying for better service?

I cancelled our Denplan 6 months ago as We felt it poor value for money, we paid about £55.00 a month for mysel my dh and dd who is 16 we rarely needed any treatment so wasn’t cost effective for us, we are now with the NHS but am still saving the £55 each month should we need any major treatment that we need to pay for.

I think MSE suggest you just save the money you'd spend on dental insurance into a savings account, so it's there if you need it for treatment.

If you've good strong teeth I'd cancel the plan and save the money instead so you're building up a dental fund for when you need it.