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Here to help you

Dental Insurance Ireland

We all know how important looking after our dental health is, but sometimes the cost of dental care can really add up.

We have teamed up with DeCare Dental and negotiated a range of Dental Insurance Plans specifically for Public Sector employees.

Through our "TeamCare Access" Dental Insurance Plans, you can re-claim your dental expenses immediately and avail of great dental insurance benefits such as:

  • No excess
  • No waiting periods apply for investigative and preventative treatments such as check-ups, cleanings and x-rays
  • Only a 3 month waiting period for minor dental treatments such as fillings, extractions, periodontal treatment and more
  • Only a 12 month waiting period for major dental treatments such as root canals, crowns and dentures
  • Cover for up to €1,000 worth of orthodontics per insured child*
  • Cover for world-wide emergency dental treatment
  • Efficient and cost-effective - when you visit a direct-pay approved dentist, your dental costs will be paid to the dentist directly by the insurer making it as hassle-free as possible for you!

*There is an 18 month waiting period for orthodontics. You must be between age 8 and 18 to avail of this benefit.

Choosing the right cover

Our Dental Insurance Plans start at just over €18 per month! and are designed to promote regular and preventative dental care for Ireland’s Public Sector employees. Our plans provide 100% cover for 2 examinations and 2 cleanings per person insured, as well as x-rays, as standard (worth over €200 alone*).

You can choose from 3 levels of Dental Insurance with cover for non-routine and orthodontic benefits. So whether you are a single or married Public Sector employee, with children or without, there is a Dental Insurance Plan to suit your needs (see table below for dental insurance cover options for Ireland's Public Sector employees).

When you sign up to one of our Dental Insurance Plans, payments are monthly and no excess applies, so you can start making savings on your dental expenses**.

*Estimated costs are for illustrative purposes only. Prices were sourced from the smiles website (correct on 13/10/15). Please note - these costs are estimates. The cost of dental treatments can vary substantially depending on your personal circumstances.

**Claims are subject to approval, see terms and conditions here.

For a full list of costs, depending on what dental insurance cover you require, please see the table below.

Benefits

 

TeamCare Access

Dental Insurance

Plan 3

 

(for Public Sector Union members,

Ireland)

 

TeamCare Access

Dental Insurance

Plan 2

 

 (for Public Sector Union members,

Ireland)

 

TeamCare Access

Dental Insurance

Plan 1

 

 (for Public Sector Union members,

Ireland)

2 Exams

 100%

 100%

 100%

X-rays

 100%

 100%

 100%

2 Polishing/Scaling sessions

 100%

 100%

 100%

Fillings*

70%

50%

40%

Extractions*

70%

 50%

 40%

Crowns, Inlays & Onlays**

70%

 50%

 40%

Treatments for gum disease*

70%

 50%

 40%

Fissure Sealants*

70%

 50%

 40%

Space Maintainers*

70%

 50%

 40%

Root canals**

70%

 50%

 40%

Dentures**

70%

 50%

 40%

Bridges**

70%

 50%

 40%

Orthodontics***

70%

 50%

no cover

 

 

 

 

Maximums

(max benefits that can be claimed

per person per policy)

Plan 3

Plan 2

Plan 1

Orthodontics***

€1,000

€750

no cover

Crowns**

€500

€500

€500

All other benefits

€2,000

€1,750

€1,400

 

 

 

 

Net cost per month

Plan 3

Plan 2

Plan 1

 Individual Policy

€28.27

€22.59

€18.66

 Couple Policy

€50.10

€39.79

€32.60

 One Adult & Children****

€48.34

€39.26

€27.87

 Two Adults & Children****

€78.76

€63.60

€45.78

There is no waiting period for investigative and preventative dental treatments from policy start date.

*There is a 3 month waiting period from start date of the dental policy for minor treatments

**There is a 12 month waiting period from start date of the dental policy on major treatments 

***There is an 18 month waiting period for orthodontics. Member must be between age 8 and age 18 to avail of this.

****Policy covers up to 10 children & dependents, up to age 23.

Dental Prices are correct as at 26th October 2015

How to make a claim

DeCare Dental Ireland, the insurer of our Dental Insurance Plans, provide two claiming options; you can choose to visit a dental practice that is in DeCare's Direct Pay Network or you can use the standard claims process, depending on your preferences.

1. Direct Pay Claims Process

DeCare offer a direct payment service through a network of dental practices throughout Ireland, which are fully approved by DeCare's specialist clinical team. Choosing this option means you will not incur any dental costs upfront for the benefits covered under your dental insurance plan, resulting in:

  • Less financial strain – the dental practice will be paid directly by DeCare for the percentage of the costs covered by your plan.
  • Less hassle - you don't need to worry about submitting any dental insurance claims forms as the dental practice will take care of the paperwork.

How to use this option 

  • To find a list of participating dental practices, visit www.decaredental.ie/dentist-finder
  • Please phone DeCare on 1890 130 017 before attending your first dental appointment and they will confirm your dental insurance entitlements.
  • You can then book your first dental appointment, which may include a dental exam, a cleaning, x-rays and any urgent dental treatment.
  • Let your dentist know before your dental treatment that you want to use the Direct Pay service.
  • Bring your DeCare Dental Membership Card and photo ID with you to your dental appointment.
  • If further treatment is needed, your dental practice will provide DeCare with a treatment plan for approval, before your next visit.

Your dental practice will then submit your claim to DeCare, who will pay your dental practice directly. You will only need to pay your dentist for the treatments or dental costs that are not covered on your plan, making the process as efficient as possible for you.

2. Standard Claims Process

If you choose to attend a dentist that is not part of DeCare’s direct payment network, you can still visit any dentist on DeCare’s dental directory and process claims with ease. If DeCare receive all the required information below, your claim will be processed within 10 working days*. 

Before visiting the dentist

  • Download a dental insurance claim form here and bring a copy to the dental visit.
  • Visit www.decaredental.ie/dentist-finder to find a suitable dentist.
  • Check your dental insurance plan or call the customer service team on 1890 130 017 to check your level of cover.
  • Following your dental treatment, you simply pay the dentist and ask for a detailed receipt, which includes the detail requested on the front of the dental insurance claim form.
  • If you require more extensive dental treatment, your dentist should provide a detailed treatment plan. You can post or email this plan to the dental insurance customer service team so they can clarify exactly what is covered on your dental insurance plan prior to your treatment.
  • You can submit a dental insurance claim as soon as your course of treatment is complete.
  • DeCare will assess the claim and re-imburse you directly into your bank account*.
  • Once all required information is provided, dental insurance claims are processed within 10 working days*.

*Subject to dental insurance claim approval. See terms and conditions. 

What do I need to know?

Your oral health is linked to your general health and wellbeing

Your oral health is not just about creating that perfect smile; research shows that it is also linked to your general health. So practicing good oral health should be an essential part of your everyday routine.

Our TeamCare Access Dental Insurance Plans have been designed by DeCare Dental to help improve the oral health of our Public Sector customers in Ireland, while helping them save on their dental costs. The Dental Insurance Plans we offer are clinically focused and offer great choice and value. So, if you are a Public Sector employee who is looking for oral health cover for you and your family we have a dental insurance plan that’s right for you.

For more information on our most comprehensive Dental Insurance Plan for Public Sector Union members in Ireland, please click here

Oral health tips

Click here for oral health tips 

Click here for tips on preventing oral cancer

 

About the insurer - DeCare Dental 

Cornmarket’s “TeamCare Access" Dental Insurance Plans are underwritten by DeCare Dental, Ireland’s main dental insurance provider since 2004. DeCare is a specialist dental insurer and is a subsidiary of DeCare Dental LLC, a global benefits management group with over 40 years of proven success, supporting over 94 million members worldwide. Their parent company, WellPoint, is one of the largest health benefit companies in the United States. DeCare Dental is a registered insurer with the Financial Services Ombudsman and is regulated by the Central Bank of Ireland, meaning that they must meet their solvency, prudential and customer protection requirements.

Dental Insurance is underwritten by DeCare Dental Insurance Ireland Limited. DeCare Dental Insurance Ireland Limited trading as DeCare Dental is regulated by the Central Bank of Ireland.