Unfortunately seeing an optician or a dentist is not a cheap affair... another reason why your peepers and gnashers often get neglected.
For this reason, it's worth thinking about dental and optical cover as you could end up saving money despite having private treatment!
If you aren't sure exactly what this kind of policy entails, the below guide should help explain everything you need to know to get the best health insurance for dental and optical cover.
What dental & optical insurance cover is included?
If you compare dental and optical insurance plans you will find that the nitty gritty of what's covered will vary significantly between providers. However it is possible to describe the typical cover you can expect to be included with dental and vision insurance.
Dental plans usually include routine appointments, such as scale and polish as well as any emergency treatment you need. The vast majority also include the cost of private treatment; crowns, bridges, fillings, extractions and root canals are all usually part of the cover.
The only exception to this is if you have opted for something known as 'maintenance cover'. This means a much lower premium but only covers the cost of routine and emergency dental appointments; routine treatment is not included.
If you were to be diagnosed with oral cancer or another mouth disease which required treatment from a dentist, this would also be included in the vast majority of dental and optical costs insurance.
For the eyes, routine examinations along with prescription glasses or contact lenses are typically covered by most policies. Some more comprehensive policies also include the cost of carrying out corrective laser eye treatment should it be required.
What isn't included in dental & optical insurance?
Although dental and optical insurance is very comprehensive and typically covers the vast majority of costs, it is important to understand that there are some things which fall outside standard cover.
For the teeth, this is generally any kind of cosmetic work such as whitening, veneers or implants while any pre-existing conditions are not usually covered either.
The average optical insurance plan doesn't pay for peripheral costs such as cleaning fluid for contact lenses, non-prescription sunglasses or industrial glasses.
What are your dental & optical insurance options?
If you have decided you want to take out dental and optical insurance, you have several different options to weigh up.
Firstly you can plump for stand-alone cover which insures simply your eyes and teeth and no other part of your body. This should insure that you get comprehensive cover and that you know exactly where you stand.
However, if you are considering taking out private health insurance you might find it cheaper to combine everything. Opting for health insurance with dental and optical cover will include the same type of protection but with only one set of administration costs to pay, you should find it's more cost-effective overall.
Using a website to carry out a dental and optical insurance comparison can be a quick and convenient way to find cover at an affordable price whilst also being able to see the plan features at a glance. However, when you compare optical and dental insurance quotes, make sure that you are looking at the same types of policy.
A final option worth considering is a cash back plan. This isn't insurance per se, but instead pays out a cash sum if you need to visit the dentist or optician for treatment. The payment isn't directly linked to the costs you incur but can be used to offset the amount you have to pay out.