Does Health Insurance Cover Dental Treatment?

Health insurance varies from company to company, and the level of cover you would expect to get from your health insurance, is usually down to you, the policy holder. The usual rule of thumb is that the more you pay for your health insurance, the better the level of cover you will receive. Some health insurers will give you money back towards what they class as essential health care bills. These health care bills include such things as:

•   Dental expenses which would include, check ups and treatment such as fillings, crowns etc. There is usually an upper limit to this, so for instance, if you had treatment that cost £600 and your upper limit on health insurance was £400 then you would have to stand to £200.
•   Optical expenses which would include prescription sunglasses, glasses and sight testing (again there will usually be an upper limit on your health insurance).
•   Treatments such as physiotherapy, chiropractic, homeopathy, chiropody, and osteopathy.
•   You can also claim for consultation fees and x-rays, as well as being able to claim for much more – it is well worth checking out your health care plan.

Is the plan beneficial?

Well many people find having a health insurance plan which covers for essential health care, such as dentistry very useful. It ensures that you are not paying out a lump sum all at once, so if you were hit with a bill of around £600.00 and you were covered for more that 50% of it then it definitely has to be beneficial.

How does it work?

Once you have decided to opt for health insurance plan, it is usually a simple application process, which can usually be done either via the telephone or online.

•   The health insurer will usually set up a monthly instalment plan by direct debit.
•   In order to claim for your treatment, you will usually just pay for the treatment you have had as normal. Then it is down to you to complete a claim form and send it on to your health insurer together with an invoice or receipt with the amount you have paid for your treatment.
•   Your health insurer will usually pay the money owed to you direct into your building society or bank.