{"id":4906,"date":"2018-02-05T17:17:11","date_gmt":"2018-02-05T16:17:11","guid":{"rendered":"https:\/\/www.dentaly.org\/uk\/?page_id=4906"},"modified":"2025-03-21T12:21:38","modified_gmt":"2025-03-21T11:21:38","slug":"dental-payment-plans","status":"publish","type":"page","link":"https:\/\/www.dentaly.org\/en\/dental-payment-plans\/","title":{"rendered":"Dental Payment Plans UK Guide: How They Work & How to Compare & Choose"},"content":{"rendered":"

It’s no secret that dental treatment can be incredibly expensive. If you don’t have insurance – or even if you do – you can be left with a huge bill. A dental payment plan<\/strong> for dentures, braces, veneers, implants or other dental work <\/strong>helps spread the cost of your treatment to make it more affordable.<\/p>

But did you know there are different types of payment plan in the UK, and different ways to arrange payment with your dentist? Here we explain how dental payment plans work and what to be aware of before you sign up for one.<\/p>

Armed with this information, you can confidently search for a dentist with payment plans near your without worrying about paying over the odds. You may want to combine a payment plan with other dental financing<\/a> to lower the cost even further.<\/p> Get a free quote for dental treatment abroad<\/a>

Dental payment plans vs. other ways to pay for treatment<\/h2>

Let’s first look at the different ways you can pay for your dental care.<\/p>

1. Dental insurance<\/h3>

If you have dental insurance or a dental discount plan, either privately or through your employer, first check to see if there are any restrictions on which dentist(s) you may visit. Even if you have a plan which lets you visit any dentist you choose, you will probably receive preferential rates from approved dentists within your insurance provider’s network.<\/p>

While services like checkups and cleanings are often included for free, for any other treatment you’ll probably receive a percentage discount or pay a reduced fee. The discount can be anywhere from 10% to 80% of the total treatment cost, depending on the level of insurance you have.<\/p>

Some UK dental insurance plans only cover treatment with an NHS dentist. Boots<\/a>, Dencover and WPA dental<\/a> all offer insurance that covers NHS care to some extent, as well as certain other benefits. But with this type of insurance, any elective treatment must be paid for at the dentist’s private rates<\/a>.<\/p>

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Insurance policies rarely cover the full cost of braces<\/figcaption><\/figure><\/div>

With private treatment insurance plans, any discounts are usually subject to an annual limit, and there is often a separate lifetime limit in place for orthodontics. This means you may still have significant out-of-pocket costs<\/strong> for treatments like:<\/p>