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Medical & Dental Cost Planning

A real figure for what teeth, eyes, medicines and private treatment cost your household, the exemptions and benefits you are owed, a health pot to pay the bills, and claims made before allowances reset.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Medical & Dental Cost Planning, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

201

Starter tasks

💷 Personal Finance

Medical & Dental Cost Planning

Planning for healthcare costs such as dental work, prescriptions, glasses and private treatment, including health cash plans.

  1. Twelve-month health spending audit
  2. Health cost exemptions and help check
  3. Employer health benefits inventory
  4. Household dentist, optician and pharmacy list
  5. Public and private prices for routine care
  6. Twelve-month health cost forecast
  7. Health costs savings pot
  8. Health receipts and claims folder
  9. Finding a dental practice with public places
  10. Urgent dental and eye care cost plan
  11. Monthly health spending log
  12. Health cash plan claims routine
  13. Dental check-up and hygienist cycle
  14. Eye test and eyewear replacement cycle
  15. Written estimate before any treatment
  16. Health bill and insurer statement checks
  17. Quarterly health cost review against forecast
  18. Annual health benefits enrolment choices
  19. Benefit year end allowance sweep
  20. Reading a dental treatment plan and estimate
  21. How your health cash plan pays out
  22. Understanding private medical insurance terms
  23. Lower-cost everyday medicines
  24. Questions that reveal the full cost of private treatment
  25. Asking providers for payment plans and discounts
  26. Spotting upsells at the dentist and optician
  27. Join, switch or cancel a health cash plan
  28. Private medical insurance keep, change or cancel
  29. Dental plan, insurance or pay as you go
  30. Prescription prepayment break-even check
  31. Buying glasses without overpaying
  32. Contact lens supply cost comparison
  33. Self-pay or wait decision for a procedure
  34. Hearing aid funding and purchase decision
  35. Budget for a course of major dental work
  36. Paying for a planned private procedure
  37. Health benefits checklist before leaving a job
  38. Pregnancy and first-year health costs
  39. Children's dental, eye and medicine costs
  40. Children's orthodontic treatment budget
  41. Health cost planning for retirement
  42. Managing an older relative's health costs
  43. Long-term condition cost plan
  44. Health cover when self-employed
  45. Health costs when leaving home or studying
  46. Dental and medical treatment abroad cost check
  47. Tax rules on health costs and benefits
  48. Challenging a wrong health bill or refused claim
  49. Five-year household health cost plan
  50. Lifetime cost of replacing a missing tooth

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

Twelve-month health spending audit

Most households underestimate what health costs them because the money leaves in small, scattered payments: a hygienist visit here, a prescription there, contact lenses on a card. Adding up the last twelve months from bank and card statements gives a real annual figure to plan around, split by dental, eyes, medicines and other treatment.

First tasks

  • Download the last twelve months of statements for each account and card
  • Ask the agent to pull out every pharmacy, dental, optician and clinic payment
  • Total the payments by category and for the whole year
  • Mark which of the biggest costs will come round again next year

Health cost exemptions and help check

Many people pay for prescriptions, dental treatment or eye tests they could have free or at a reduced charge because of age, pregnancy, a medical condition, a low income or a benefit they already receive. One sitting with your health service's eligibility checker settles who in the household qualifies for what, before another charge is paid that did not need to be.

First tasks

  • Find your health service's official checker for help with health costs
  • Run each person in the household through the checker
  • Apply for any exemption certificate someone qualifies for
  • Write who is exempt from what, with expiry dates, on one page
  • Ask about refunds for charges paid while already entitled

Employer health benefits inventory

Workplace benefits often include a health cash plan, dental cover, eye test vouchers or private medical insurance that staff never register for or never claim on. Reading the benefits handbook and portal once tells you what is already paid for, which family members can be covered, and what you would be buying twice if you took out your own policy.

First tasks

  • Log in to the benefits portal and download the benefits handbook
  • List each health benefit with its cover, annual limit and family options
  • Register for any eligible benefit you have not yet joined
  • Flag any policy you pay for privately that your employer already provides

Make it yours.

Install Medical & Dental Cost Planning, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.