Laya Is a brace for teeth (for a child) covered by any plan?

trident

Registered User
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24
Hi,
Many plans have funding for "non-emergency" dental. Does this cover the fitting of a brace for a child? A brace can cost up to €4000, so it would be great if some of this was covered by some plans.
Thanks in advance
T
 
How about comming to an arrangement with the dentist to pay it off monthly.
 
I don't know of any plan that covers braces. €4k sounds like a standard enough quote . . they'll probably look for a €1k deposit and €150/month for 20 months. You can claim 20% back against your P60(with MED2).
 
Last edited:
michaelm,

Day to day cover on a health insurance plan only covers routine dental expenses.

For the more complicated dental treatments, there are seperate stand alone dental plans.
There are 3 dental plans, Level 4 only, that cover braces - orthodontic treatment.
The thing is, there is a 2 year wait before you can claim for braces, I'm not sure if your person's treatment has started yet or not.
There is a list of treatments allowable with no waiting, basic treatment after 3 months, more treatment after 12 months and orthodontic after
2 years.
The maximum amount to claim back on the 3 plans is 1,000 just for braces, maximum to claim in a lifetime, plus a 100 euro excess.

Child Price (up to age 17 years) Level 4, price 16.10 per month or 193 per year.
https://www.decaredental.ie/dental-plans/kids-dental-plans/

Adult Price(age 18 to 39 years) Level 4, price 29.32 per month or 351 per year.
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Schedule of dental benefits apply to both adult and children.
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More prices apply to higher level plans but still only cover 1,000 expenses for braces.

It may be too late in your situation to use the above dental plans.
But it may be helpful to other posters with younger teenagers with potential orthodontic treatment in future years.
I just posted this to show what is available for dental treatment on the market.

VHI also have seperate dental cover, 2 levels available.
https://www.vhi.ie/dental-insurance

Level 1 - Standard Plan; adult price; Age 18 to 39; 22.84 per month or 274 per year.
https://www.vhi.ie/pdf/myvhi/TOBVDP V11 Feb18.pdf

Level 2 - Plus Plan; Get a quote from VHI.
https://www.vhi.ie/pdf/myvhi/TOBVDPP V12 Jan19.pdf

Not sure what way child pricing works, if applicable. Maybe worth investigating further.

Otherwise, as others have mentioned, you can claim a 20% tax rebate on a Med 2 annually.

Regards, Snowyb
 
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