Paying for Dental Work in the UK

We have an extensive set of options when it comes to getting health care for the mouth. This includes a variety of treatment and care options as well as a different set of payment options.

NHS Patient Charges

NHS patient charges are set by the government and can be different depending on where in the UK you live. There are three bands in England and Wales that range from £21.60 to £256.50 and £14 to £195 respectively. The costs will be higher or lower depending on the type of treatment needed. In Scotland and Northern Ireland treatment costs can reach as high as £390.

Pros: the charges for NHS dental treatment are set by the government and indicate what you will need to pay for your treatment. There are also certain people who are eligible for this treatment for free. This includes those people on benefits, like children up to the age of 19, those on jobseeker’s allowance or income support and pregnant mothers until the time their child is a year old.

Cons: there is a waiting list and the waiting period can be very long in high demand regions. Furthermore, if you fail to show up to your appointment, your dentist may choose not to work with you in the future. There are also only a certain number of treatments available, like silver fillings and crowns or extractions and others that are for the purpose of keeping you dentally healthy. Anything that is not covered by NHS guidelines will have to be paid for out of pocket.

Cash Plans

You can also join a monthly payment plan that can be used to cover all or at least a part of the charges for either private or NHS dental care
Pros: you will get a certain amount of cash support for any treatment option you are looking for. This could be the full cost of the treatment or at least a part of the costs. If you do this right, you can claim more in dental care than you will pay out for the plan. This is a great way to spread the payment for dental health over time.

Cons: if you don’t take advantage of this, you will be paying a lot for nothing.

Private Dental Insurance

With this monthly plan, you will pay for whatever is needed and then collect a reimbursement from your insurance provider.

Pros: a dental insurance plan will provide coverage in the event of an emergency or accident. These can be very costly and many companies will even provide coverage for dental emergencies that happen abroad. This can be an especially good thing if you are travelling abroad. Your fees can be paid annually or monthly. If you are concerned about the high costs of dental work, insurance can be a good plan to cover these bills.

Cons: depending on the condition of your teeth and your dental history, you may have to pay a very high price for dental insurance. Some insurance providers only cover up to 50% of the costs of private dental treatment and this can leave you with much to pay. Then, some of these insurance companies will require a qualifying period that can last up to 6 months. You will only be able to use your insurance after this time.

Private Dentistry

This dental treatment is not offered as part of the NHS contract and not subject to government pricing guidelines.

Pros: there are several advantages to private dentistry. The waiting time is eliminated and you can make an appointment at the time it convenes you and your dentist. The only charge will be for the dental treatment you need. If you choose to go for a treatment that is not on the NHS list, no problem. You also have the advantage to look at the prices offered by various dental practices, like The Dental Practice in Fleet, and find the most suitable options for you.

Cons: the biggest setback will be the considerable prices involved with private dentistry. Many of the treatments that you will find offered free by the NHS will be considerably more costly in a private setting. The prices can be different from practice to practice so it is a good idea to shop around.