Denplan has relaunched its Lucent dental plan, introducing a range of improvements based on feedback from clients, intermediaries and the dental industry, it says. The changes include:
* Benefits have been increased on all levels of cover. For example, the old 4, 5 and 6 benefit levels now apply to levels 2, 3 and 4, with new higher benefits for levels 5 and 6. Lucent 1 primarily covers NHS treatment costs, which also usually rise over time.
* Dental implants are now included as standard. However, even on Lucent 6, the maximum annual benefit is just £300, significantly below the typical costs of a single implant from a UK dentist.
* Mouth cancer cover has been increased from £12,000 to £20,000.
* The hospital cash benefit has been increased from £50 to £100 a night and applies to Lucent 2-6 plans.
* Cover for call out fees has been increased from £50 to £150 per incident.
* There is now unlimited cover for telephone consultations with dentists, provided this is a referral from Denplan.
* A completely new pricing structure has been introduced, with the majority of equivalent 2013 benefits now being available at lower rates.
All plans also include £10,000 of worldwide dental injury cover and £800 a year emergency UK dental treatment. All benefits are set out in a two page benefit table.
The new benefits apply to all new and existing plans from April 2014.
What They Say
Head of corporate, Pam Whelan, said: "Following feedback from our members and intermediary contacts, we’re confident that our re-launched Lucent product range is not only tailored to meet their needs more fully, but offers industry-leading levels of cover."
What We Say
"Dental plans are a great way for employers to provide a useful benefit to employees and to help them improve their health too. The benefits list is invariably long and impressive, but really has to be considered alongside the patient’s own dentist’s price list. It will then be realised that many benefits will not cover all the dental costs incurred (except on base plans that, as with Lucent 1, are designed just to cover NHS dental costs primarily).
"That said, we’d much rather have 25% of the cost of an implant covered than 0%.In fact, Lucent 6’s benefit of £300 for dental implants compares to a cost of £2,000 per tooth at one Birmingham dentist’s advertised online, although a Google search also revealed a dentist in India charging just £150 per implant in Mumbai (but beware, you may need a number of visits).
"Denplan’s changes to Lucent are designed to make it more competitive and to give greater benefits that will be of value to employees, while keeping costs to employers under control too."