www.iva.co.uk

due to my unexpected £200 dental bill i want to join a dental plan. the cost is £15 per month for me and hubby.could my ip put this in my payments now or would i have to wait for my annual review, which is a long way off as i havent made my 1st payment yet. luckily i have a generous relative who is paying for this treatment for me. thank goodness for understanding relatives.

I am sure that this can be taken into consideration at the annual review stage, but try not to do anything to disturb the level of payments in the first year. You ought to have had an allowance for dental work in any case.

Hi There,
I had a leaflet about this through the post the other day:
The company is HSA and level one cover starts at£7.35 for one or £14.70 for two people with additional £1 for each child under 18 yrs. For this level annually you get Maintence £20, treatment up to £200, crowns/bridges up to £200, emergency treatment up to £500, cancer cover £4,00 per diagnosed member.
There are other levels available too - the telephone number is 0800 107 0761 if you want to know more about their plans, they also do ones that cover physio, podiatry, etc with dental included. I was certainly allowed to keep mine in my IVA as at the end of the day it actually helps keep costs down.
Good luck,
Hugs,
Chardonnay

I shall certainly be looking into something like that when our dentist finally does retire.

It's about time something was done so that everyone gets dental treatment on the NHS.

It's not only dental either - what about opticians? There is the charge for an eye test, plus the charge for frames and lenses. Even if you go for the cheapest, it is still a lot of money and two years later you have to go through the same thing all over again!

Hi Kallis,
A health plan helps with Optition costs too - another reason to have one (It's usually about 50% of the cost they pay back to you when you make a claim, but every little helps!!).
I had my head injury review not long ago and was suprised to learn my left eye is fine - it's my right eye that is knackered - my glasses will have to last years and years!!
Hugs,
C x

I'm actually alright with opticians costs at the moment - I had laser treatment last year (courtesy of credit card of course!) and so only use cheap reading glasses when I absolutely have to.

Fair play to you! Keith(the dead ex) used to use those £1.50 ones from supermarkets, which are fine, but he always borrowed my optition ones when he could (mind you his eye sight was awful!! You know when you look at someone else's glasses and clean them for them as you can't work out how they see trough them?? That was Keith!!).
Well done you for getting the laser treatment before the financial p** hit so to speak!!
Hugs,
Chardonay

Depending on your job it might be possible to get your eye test paid for, and a contribution towards your glasses. I recently had new glasses and work paid for the eye test, and £75 towards the glasses.

Hi Skippy,
That sounds like a super idea - I'll keep that in mind. Working for the NHS I think something like that may be available.
Thanks,
Chardonnay

Work for me will only pay for the test, not the glasses.