There's still room for a smile

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Treatment plan that has saved Veronica a fortune Veronica Baron has saved a fortune on her teeth since joining Denplan eight years ago. In that time she has had hundreds of pounds worth of treatment, including bridgework and crowns. Yet she has paid no more than her monthly Denplan fee for the work. The 53-year-old retired nurse, who now works as a volunteer bereavement counsellor for Macmillan, is a patient at Simpson Nisbet Dental Surgery in Jesmond, Newcastle. Eight years ago John Simpson decided to take his practice private with the exception of children. He teamed up with Denplan and encouraged Veronica, who has suffered a lifetime of problems with her teeth, to join the scheme. While she has seen her monthly premiums rise form £15 to £29.51, she has never begrudged paying the cash. "I have got so much out of Denplan," she says. "I've had some horrendous problems and all it has cost me is my monthly fee." Story continues ADVERTISEMENT Now Veronica's family have been encouraged to join the scheme. Husband Les, 63, a pharmacist, joined two years ago, and daughters Jennifer, 26, also a pharmacist, and Stephanie, 23, a hotel receptionist, have also come on board. The Barons, who live in Jesmond, now pay £75.78 a month for family cover. "Jennifer and Stephanie both have good teeth, so for them being in Denplan has only been of limited benefit to date, but it has helped Les," Veronica says. "In December he had appalling toothache and Mr Simpson opened the surgery on Christmas Eve and extracted the tooth. "Everything is paid for on Denplan except laboratory work. Maybe for people who don't have problems with their teeth, dental cover would be a waste of time, but for me it's really worked." ********** What plans cost Capitation schemes: Denplan Care, £16 average per month. This is Denplan's core product. Rather than traditional NHS or fee-per-item private treatment, patients pay a fixed monthly sum to their dentist, via Denplan, for their individual oral healthcare needs. Call: 0800 401402, www.denplan.co.uk Dpas, £10-12 average per month. It allows dentists to offer their own branded schemes and works in a similar way to Denplan in that the patient's oral health is assessed before a monthly payment is set. Different plans range from offering restorative treatment to maintenance-only schemes, which start from an average £5 a month. Call: (01747) 870910, www.dpas.co.uk Maintenance Denplan Essentials, £10 average per month. This scheme covers regular appointments for routine care, but excluding restorative treatment, which instead is paid on a fee-per-item basis direct to the dentist. The plan also includes accident and emergency cover. Call: 0800 401402, www.denplan.co.uk Cash and medical plans: Clinicare Carte Blanche, between £304-£581 a year for a married couple aged 40-44. This is a general medical policy including private GP consultations, optical, routine dental treatments and private maternity and delivery care. It pays up to £1,000 per annum for routine dental treatment and consultations, dental prosthesis, orthodontic and periodontic. Call: 0870 444-8290, www.clinicare.net Boots Dental Plan, from £9 a month for NHS cover. It also has two levels of private cover at £13.50 and £19.50. The NHS cover provides up to £500 a year towards routine work and accidental injury, the private £750 and £1,000, and £1,000 and £1,500 respectively. Call: 0845 840-1111, www.boots.com Hospitals Savings Association (HSA) Health Plan, between £2-£6 a week. There are four levels of cover with dental included with a range of other benefits from optical to physiotherapy. The dental part will pay up to a maximum of £70 for level 1 up to £150 on level 4, and covers areas such as check-ups, hygienist fees, dentures and crowns, bridges and white fillings. Call: 0800 197-6999, www.hsa.co.uk Medicash Essentials, £12-£66 a month on five levels of cover. Provides over 20 tax-free cash payments for a range of medical treatments. On the Standard Level 5 Plan, which costs £36 a month, you can claim a maximum of £240 a year for dental treatment. Call: (0151) 702-0304, www.medicash.org SecureHealth Cash Plan, £12.50-£58 a month on four levels of cover. Provides a financial contribution for such things as a specialist consultant's visit, dental and optical care, alternative medicine and hospital stays. Dental cover pays 60% of costs up to a maximum of £100 per benefit year per insured person on the bronze plan or 75% up to a maximum of £250 on the platinum level. Call: 0845 060 8060, www.securehealth.co.uk Universal Provident Dental Care, basic cover from £5.95. This includes up to £1,000 a year towards routine work, not including check-ups; dental emergencies up to £5,000 per annum and accidental injury treatment up to £1,000. Call: (01254) 266200, www.universalprovident.co.uk Western Provident Association Providental, £12.48 a month for 18-49-year-olds rising to £15.90 for 50-69-year-olds. May claim up to £250 a year towards routine treatment, including fillings, check-ups and visits to the hygienist. Also pays £250 a time for emergency treatment up to a maximum of £1,000, dental injury up to £20,000 and defined serious oral problems up to £10,000. Policyholders must pay 25% of all costs up to a maximum of £500. Call: 0800 783-3783, www.wpa.org.uk

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