Dental treatment can cost different amounts depending on the type of care you need and where you have it done. Your dental team should always explain your options and give you a written treatment plan with costs before you start.

There are two main ways to have treatment in the UK:

• NHS dental care.
• Private dental care.

Some people also use payment plans, insurance or loans to spread the cost.

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Paying for NHS dental treatment

NHS dental charges are set by the government. The cost is the same at all NHS dental practices.

You pay one fixed charge for a full course of treatment. The charge depends on which NHS “band” your treatment falls into.

Some people do not have to pay NHS dental charges, including:

• Children and some young people.
• Pregnant women and those who have had a baby in the last year.
• People receiving certain benefits.

Your dentist should give you a treatment plan that shows:

• What treatment you need.
• Which NHS band it is in.
• How much you will pay.

You may be asked to pay at the start of treatment. If you are on a low income, you may be entitled to help towards your NHS costs. To apply for this, go to https://www.gov.uk/help-nhs-costs. 

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Paying for private dental treatment

Private dental fees are set by each practice, so prices can vary.

The cost is usually based on:

• The type of treatment.
• The time it takes.
• The materials used.

Always ask for a written quote before agreeing to private treatment. This helps you plan and avoid surprises.

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When do I pay?

For NHS treatment, practices can ask for payment at the start, during treatment or when treatment is finished.

For private care, some practices may let you:

• Pay in stages.
• Use a finance agreement to spread the cost.

This depends on the practice, so ask what they offer.

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Dental payment plans

Some practices offer monthly dental plans. You pay a set amount each month and this usually includes:

• Regular check-ups.
• Hygienist visits or scale and polish.
• Preventive advice.

Some plans give discounts on other treatments. Each plan is different, so check:

• What is included.
• Any yearly limits.
• Whether lab work (like crowns or dentures) costs extra.

You normally need to have healthy teeth and gums before joining.

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Health cash plans

Health cash plans are often provided through employers, but you can also buy them yourself.

You pay a monthly fee and can claim money back towards:

• NHS dental charges.
• Private dental treatment.
• Other health costs.

There is usually a yearly limit on how much you can claim.

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Loans for dental treatment

For more expensive treatment, some people use a:

• Bank loan.
• Practice finance plan.

Always check interest rates and make sure the repayments are affordable.

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Does medical insurance cover dental treatment?

Most private medical insurance does not cover routine dental care.

Some policies may cover:

• Certain oral surgery.
• Treatment in a hospital by a specialist.

Check your policy or contact your insurer to see exactly what is included.

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Key points to remember

• Always ask for a written treatment plan with costs.
• Check if you are entitled to free or reduced NHS care.
• Ask about ways to spread the cost if needed.
• Make sure you understand what is included before you agree to treatment.