Invisalign is one of the most discreet and convenient ways to get a flawless smile. Trays are removable and far less noticeable than metal braces.
Despite Invisalign dropping in price, costs can still be anything from $3,000 to $8,000. In comparison, metal braces tend to cost between $3,000 and $6,000. Prices fluctuate depending on the severity of each individual case.
If you’re thinking of investing in Invisalign treatment, one of your first questions might be, “Does insurance cover Invisalign?”
Let’s break it down.
Does Insurance Cover Invisalign?
Most dental insurances will reimburse you for the cost of Invisalign. Always check before beginning treatment, whether or not your insurance covers Invisalign.
Many insurers will only cover a particular portion of the Invisalign treatment, with dental insurance often having a cap at a certain amount (e.g., up to $500).
Make sure you plan treatment as far in advance as you can. If you suspect that you or your child will need Invisalign treatment, check if your insurance is sufficient. If not, consider adding an insurance benefit that will cover orthopedic bills.
If you seek out new insurance coverage, call and ask if they cover Invisalign treatment. It would be a shame to pay for better insurance only to have to cover the costs yourself.
Your Payment Options
There are many ways to pay for Invisalign costs, including insurance claims. Let’s run through your options.
Insurance
As mentioned above, some insurances do cover Invisalign. You will need to read the fine print of your insurance plan to clearer about your coverage. Both your dental and health insurance plans may cover Invisalign.
If you want to be sure whether you are covered, it’s best to call your insurance provider. Additionally, it would help if you spoke to your dentist prior to consultation to learn more about Invisalign and ask whether your insurance is accepted there.
Flexible Spending Amount
Insurance plans can work differently. If you don’t have standard percentage coverage, you may have an FSA.
Flexible Spending Accounts (or FSA’s) are deposits that your employer can fund with pre-tax money. Employers cannot deduct this from the overall benefits.
Talk to your employer about the possibilities of using or establishing an FSA. As with your insurance, make sure you understand the regulations before proceeding. FSA’s typically must be used within one year of deposit.
Health Savings Account
Health Savings Accounts (HSA’s) are similar but distinct from FSA’s. Your employer also provides HSA’s, but only if you are enrolled in a high-deductible health insurance plan.
HSA’s also incorporate pre-tax money but do not have to be used within a year. Individual HSA’s can save up to $3,400, while family accounts reach up to $6,750.
Funding a Perfect Smile
There are many possibilities when choosing a payment option for Invisalign. Down payments, installments, and full payments are also possible.
In all cases, there is a solution to Invisalign funding. Your search may continue, but hopefully, the question “Does insurance cover Invisalign?” is answered.
It may simply be a case of planning a few months ahead or saving up. For more tips and guides – be sure to read through our blog.
