The cost of dental care in the UK has become a topic of great concern for many families in recent years. Changes in the way National Health Service (NHS) dentists are funded resulted in many of them quitting the system to set up in private practice, leaving NHS dental places extremely hard to find in many areas.
This has left dental care hard enough for individuals to afford, but for families, with three or more members to look after, the cost of dental care has become a real worry. Fortunately, help is at hand through family dental insurance – but is it a good investment?
This article on dental health insurance for the family is written by Kathryn Senior, a freelance journalist who writes health, medical, biological, and pharmaceutical articles for national and international journals, newsletters and web sites.
Types of family dental insurance
There are three kinds of family dental insurance, ranging from comprehensive cover, which pays in full for any treatment, to cash plan schemes, which give you a cash contribution towards your bill.
Straightforward family dental insurance will pay all, or an agreed percentage, of your dental bill, in return for a regular monthly premium based on the age and health history of your family. In some cases, your insurer may deal direct with your dentist, so you don’t even have to find the money first and then claim it back. Unfortunately, because family dental insurance offers such comprehensive cover, the cost of the premium may be prohibitively high for many families, especially when you consider that NHS treatment for children is usually free.