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Thursday 24 August 2017

Consumer Champion: Lose the ache, shop around to really save on dental work

DENTAL

Dentist doing dental examination
Dentist doing dental examination
White chocolate
Dunnes Stores

I had to pay a visit to my dentist recently - not a trip I enjoy - after a bit of my tooth broke off (and yes, it was my own fault for chewing a toffee).

I got fixed up along with a scale and polish with minimum fuss for around €100 which I didn't mind paying, but there was a time that much of that would have been free, so this week we look at what's 'free' and other ways to claim expenses when it comes to your teeth.

TAX RELIEF

Relief is available from Revenue at the standard rate (20pc) against 'non-routine' services such as crowns, veneers, root canal, braces, extraction of wisdom teeth and other procedures.

A full list is on their website (revenue.ie) and the form you're required to complete is the Med2.

The relief is not allowed against ordinary fillings or scaling though.

Interestingly, it does include any work you get done abroad, as long as it's from a qualified practitioner, as this has become increasingly popular for cash-strapped people who need expensive orthodontics.

Claims can be backdated up to four years, and the form is straightforward. Keep all receipts although you don't have to send them in. There is no excess to pay first.

INSURANCE

Only top-end health insurance policies will cover dental work. Some have a dental option plan which you can buy for an additional premium but it may just include cash back of, say, €25 per visit or 70pc on treatments.

Remember, all policies carry an excess and there may be an annual limit you can claim. A slightly different offering comes from HSF (hsf.ie) which has 100pc dental cover on many of its plans. Their 'Scheme FDA' (€56.50 per family, per month) includes dental and optical visits up to a maximum €500 per year and the policy covers the policyholder, their spouse/partner and children up to the age of 21yrs.

PAYMENT PLANS

Many of the larger dental practices offer structured payment plans for ongoing treatments, so ask. They may let you pay by the month which can ease the burden a little.

GOING ABROAD

There's no denying that Ireland is an expensive place for dental treatment and many take their kids to the North to get identical braces for a lower price - I've done this and it was a no-brainer.

With the euro/sterling exchange rate currently very poor though, do cost it and take the driving cost into account. I'm a little less certain about going to Eastern Europe for treatment as, although cheaper, it can be difficult to follow up or get something fixed if it goes wrong.

The Irish Dental Association claims that up to 6,000 patients a year visit their dentist for remedial treatment after badly carried out work abroad.

There's precious little in the way of consumer law to help them out if things don't pan out, so be careful and don't be guided by price alone when you make your decision.

There's also a suggestion that some of these dentists can tend to over-treat - in other words, signing you up for lots of work, all of which may not be necessary.

Asking previous patients about their experience is best - any reputable clinic will be happy to put you in touch with satisfied customers - or Google discussion forums and the names of clinics to see if there were problems encountered

I found that the cost of root canal work varies from €425-995 in Dublin; £220-300 (€264 - 360) in Newry and just over €100 in Hungary. For implants, they cost from €500 to well north of €2,000 here; up to £1,950 (€2,340 in Newry) and between €445-960 in Budapest, from a selection of clinics.

Anyone who has a complaint can contact the Dental Complaints Resolution Board on (094) 902 5105 or go to www.dentalcomplaints.ie. My advice is that the first port of call should be your own dentist.

Finally, take some advice from me - don't eat toffee!

 

Easter means one thing: chocolate

Well let's hope the bad weather is finally behind us as Easter is just around the corner.  While most of us have our minds focused on chocolate there are some great alternatives out there for gifts.

Most people use the Easter break to get busy in the garden and Dealz has teamed up with DIY celebrity Tommy Walsh with gardening tools all €1.49 each and tips on how to do it all.

Tesco will sell 1.1m hot cross buns this year and have reduced their 4-pack to just 49c in the run up to Good Friday. For the sweeter tooth, they have a cupcake platter of 12 buns for €9.99.

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White chocolate

Over at Lidl, try your hand at arts and crafts with the kids. They have adorable decorations starting from €3.99, a bag of hand-painted eggs for €2.49 and themed cake moulds for the baker in the family for €2.49 and a full range of Easter eggs. For an Eggstra-special experience, I've bagged my Coffee Lovers Egg at €11.99 from Marks & Spencer, while their 1.5kg Golden Lattice Egg at €60 will last you all weekend (maybe!).

Lindt's chocolate bunnies are virtually mandatory at Easter and they'll team up with Temple Street children's hospital - and Bressie (inset) at the Pavilions Shopping Centre this weekend where you can buy a 10g gold bunny for just €1 or a Easter Hunt Pack for €10 to arrange your own Easter egg hunt in the garden, with all proceeds going to the hospital.

So you can stuff yourself and feel good about it.

 

Dunnes joins the online grocery delivery game... but at what cost?

Dunnes Stores is launching an online grocery delivery service. Customers of Tesco and SuperValu have had food deliveries for years, but it only accounts for about 6pc of the market. 

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Dunnes Stores

Dunnes will want to overcome obstacles like people not being at home, refrigerated trucks and the all important 'pickers' - the staff who actually select the food on your behalf. It's an expensive business and I wonder how much Dunnes will charge.

Currently it's around €4-7 per delivery from the others, but both offer free timeslots.

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