How to save your dental insurance

Companies are asking for advice on how to cut costs, especially when it comes to dental care, after a number of high-profile cases emerged this year.

The Irish newspaper has reported on a number high-level examples, including the case of the father of a child who suffered a catastrophic head injury, and a man who lost his job as a result of a car accident, after he was injured in a workplace accident.

The paper says that a number insurers are looking to cut their dental bills by up to 40 per cent, with the average bill for the top-paying insurers going from €4,700 to €8,400.

However, some are looking at the possibility of cutting back, and offering more affordable coverage.

The National Insurance Institute of Ireland says the dental coverage that is offered by a number companies varies from company to company.

It says that while insurers have to cover a broad range of dental procedures, some offer a wider range of treatments, with lower prices than the industry average.

A spokesman for National Insurance said that the National Insurance Council, which sets the national standards for insurers, has been working with the industry to identify and recommend changes.

He added that the Council would continue to work with the companies to develop a system to make the system more affordable.

A spokesperson for the Association of Dental Professionals (ADP), which represents dental surgeons, said that it had been working closely with the insurance industry to develop guidelines to ensure that dental treatments are available to everyone.

“We recognise that the NHS is a key component of our health care system and that is why we have been working on the development of a more accessible and affordable system,” he said.

The spokesman added that there was a range of services available for people with dental conditions, including orthodontics, dental implants, and specialist care.

He said that, in addition to covering the full range of medical procedures, insurers would be able to cover “essential” services such as dental work.

“That means the NHS and other services that are needed to treat dental conditions,” he added.

“This is what we do to treat people’s teeth.

We also cover other dental services, such as gingivitis treatment, and the treatment of cosmetic and denture problems.”

A spokesperson from the Dental Employers Association (DIA) said that some companies are working to reduce the cost of dental care.

“There is a very clear understanding that dental care is an essential part of our healthcare and the DIA believes that insurance companies should play a key role in ensuring that dental services are affordable for people in our communities,” he told The Irish Sun.

He noted that in the last few years, dental insurance premiums in the country have fallen by up, from €3,500 in 2014 to just under €1,000 in 2020.

However he said that while some companies were looking to lower their bills, there were others who were charging too much.

“Some insurers are charging more for the same service,” he explained.

“Others are charging for more treatments, such a laser and an orthodicty,” he went on.

“A number are charging a higher amount for the services than they would have in the past.”

‘More cost-effective’ coverage The National Health Insurance Institute (NHI), which sets standards for the insurance sector, says that insurance providers should look at how they can reduce their premiums, in order to provide more affordable dental care to people.

“The National Insurance and Dental Association (NIDA) has published guidance to help organisations understand what the costs of dental services could be and how to reduce their premium costs, in line with the cost-effectiveness and cost-efficiency guidelines that the NHI sets for insurance companies,” said its director, Dr Catherine Kelly.

The guidance was published in June and states that “the insurance industry should be more cost-efficient in their approach to providing dental services”.

She added that in order for insurers to make savings, they should be looking at other ways to provide dental care that are more cost effective and less disruptive to the dental health care team.

She added: “Insurers must be conscious of the fact that a higher level of dental coverage will increase the efficiency and cost effectiveness of their dental health services and therefore increase their ability to provide affordable dental services.”

The NHI’s director said that in a number, companies are taking a “more cost-based approach”.

She said that there were many factors that insurers could look at to reduce premiums, such and as long as they were offering a “fair and reasonable” package, that should be acceptable.

The NHIs director added that while the NHIs would like to see more dental coverage, “it is not possible for insurers and companies to reach a common conclusion as to the best way to provide it.

The insurers have different expectations about what is fair and reasonable and what is cost-neutral, and what works best for them.

The Insurance Regulatory Authority of Ireland (IRI)