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private dental insurance

  • 25-09-2009 8:10pm
    #1
    metrovelvet
    Closed Accounts Posts: 9,376 ✭✭✭


    Does anyone have it and does anyone think it is worth it?


Comments

  • #2
    davo10
    Closed Accounts Posts: 6,926 ✭✭✭davo10


    Decare (VHI) is expensive and utterly useless. They started off giving benefit for all treatments and ended up offering very little. Check and see if you are covered under your PRSI for treatment. Avoid Decare.


  • #3
    Rusty Cogs 08
    Registered Users, Registered Users 2 Posts: 638 ✭✭✭Rusty Cogs 08


    I was just on the VHI website looking at this. I'm a member of VHI but don't pay any 'dental' surcharge.

    If I did (about €15- a month) I could claim up to €500 a year for crowns and €1000 a year in total for dental treatment.

    http://www.vhi.ie/info/dental/productDetails.jsp?key=Prsi

    As someone with a set of teeth that now give annual trouble (and will do for the forseeable future). Is it time I got dental insurance (not necessarily VHI) ?

    I've had a number of fillings over the past few years and will likely need a few more, some teeth are on their last legs and will need crowns and/or bridges. A couple of others are dead and could do with veneers. The bottom incisors are crooked and could do with straightening. Essentially, all work thus far has been on an ad hoc 'feel pain, go to dentist' basis where by over the next few years it might be time to start getting the whole (oral) house in order.

    With such work pending, (and no real desire to fly off to Budapest) is it time to take out insurance ?

    I'm 35 (if that matters ?)


  • #4
    davo10
    Closed Accounts Posts: 6,926 ✭✭✭davo10


    Rusty, in the decare small print it indicates that crowns will be paid for if they are required because of trauma. In order to pay benefit thay can and do request patient charts from the dentist which will indicate whether problem was due to trauma. These charts may contain personal details and descriptions of other medical issues which you may not wish a decare office worker to read, without chart they can refuse to pay.


  • #5
    georgieporgy
    Registered Users, Registered Users 2 Posts: 1,927 ✭✭✭georgieporgy


    You and your dentist may think you need crowns. Decare Dent may think you are just fine as you are. Teeth must have had root canal done or be badly broken for them to agree to paying for crowns. Putting a crown on a heavily filled tooth to prevent it breaking in the future (the correct thing to do) is not an insurable item in their view.

    they won't pay for braces if over 18, and no 'cosmetic' work either.

    My advice to anybody needing a lot of work is go to the Credit Union, get all the work done together (not piecemeal over a few years), claim your tax refund for it and put that towards the credit union loan, then pay off the balance over whatever term suits you. You will enjoy good oral health now at today's prices. Don't waste money on a poor insurance product.


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