Are you considering straightening your teeth with Invisalign but worried about the cost? Look no further! We've got all the information you need on insurances that cover Invisalign.
With the help of these insurance plans, you can achieve a confident smile without breaking the bank. Keep reading to find out everything you need to know about getting Invisalign covered by your insurance.
Overview of Invisalign Treatment
Invisalign is a type of orthodontic treatment that can straighten teeth effectively, without relying on metal brackets or wires. The treatment involves using a sequence of clear, removable aligners that gently shift the teeth into their desired position over time. Because Invisalign aligners are practically invisible, most people won’t even know you’re wearing them!
Invisalign treatment is tailored specifically for each patient, so the length of treatment varies from person to person. However, most people will finish their Invisalign treatment within 12 months.
If you’re considering Invisalign treatment, you may be wondering if your insurance will cover the cost. The good news is that many insurance plans do cover Invisalign, just as they would traditional braces. However, every insurance plan is different, so it’s important to check with your insurer to see if they offer coverage for Invisalign.
If your insurance does cover Invisalign, they may pay for a portion of the treatment cost or they may cover the entire cost. Some insurance plans have a lifetime orthodontic benefit that can be used towards the cost of Invisalign or other orthodontic treatments.
Types of Insurances That Cover Invisalign Treatment
There are a few types of dental insurance that will cover Invisalign treatment.
These include:
- Dental Health Maintenance Organizations (DHMOs)
- Preferred Provider Organizations (PPOs)
- Point-of-Service (POS) Plans
- Indemnity Insurance Plans
- Medicaid/CHIP Programs
- State Children's Health Insurance Program (SCHIP)
1. Dental Health Maintenance Organizations (DHMOs): A DHMO is a type of managed care plan that contracts with a network of dentists to provide care for its members at a set monthly fee. Most DHMO plans will cover Invisalign treatment, but coverage may be limited to certain providers in their network. Be sure to check with your specific plan to see what coverage they offer.
2. Preferred Provider Organizations (PPOs): PPOs are also a type of managed care plan, but they do not have as restrictive networks as DHMOs. This means that you can usually see any dentist you want, but you will get a higher level of coverage if you use one from their network. PPO plans typically cover Invisalign treatment, but coverage may vary depending on your specific plan benefits.
3. Point-of-Service (POS) Plans: POS plans are a type of managed care plan that allows you to choose between using in-network or out.
What to Look for in an Insurance Plan
If you're considering Invisalign, you may be wondering what type of insurance will cover the cost of treatment. Here's what you need to know about insurances that cover Invisalign.
- Most dental insurance plans will cover Invisalign treatment just like they would traditional braces. However, there may be some limitations on coverage, such as a maximum dollar amount or lifetime benefit.
- In addition to dental insurance, some health insurance plans may also offer coverage for Invisalign. Again, coverage varies depending on the insurer, so it's important to check with your provider to see what's available.
- Many orthodontic offices offer financing options that can help make treatment more affordable. Be sure to ask about these options when you're considering Invisalign treatment.
How Much Does Invisalign Cost with Insurance?
Invisalign is an orthodontic treatment that uses clear aligners to gradually straighten teeth. It is considered a cosmetic procedure, so it is not typically covered by insurance. However, some insurance plans may offer limited coverage for Invisalign, and there are ways to get Invisalign at a lower cost with insurance.
The average cost of Invisalign is $3,500, but the actual cost will vary depending on the individual case. If your insurance plan offers coverage for Invisalign, you may be able to get a discount of up to 20%. To get an estimate of how much your insurance will cover, you can contact your insurance company or ask your orthodontist.
There are also ways to get Invisalign at a lower cost without insurance. One option is to use a flexible spending account (FSA), which allows you to use pretax dollars to pay for medical expenses. Another option is to look for dental savings plans, which offer discounts on dental services from participating providers.
How to File a Claim for Invisalign Treatment
If you're considering Invisalign treatment, you may be wondering if your insurance will cover the cost. Here's what you need to know about filing a claim for Invisalign treatment with your insurance company.
- In order to file a claim for Invisalign treatment, you will need to contact your insurance company and request a predetermination of benefits. This is basically a formal way of asking your insurance company if they will cover the cost of Invisalign treatment.
- When you request a predetermination of benefits from your insurance company, you will need to provide them with some basic information about your Invisalign treatment plan. This includes the estimated length of treatment, the expected number of aligners needed, and the estimated cost of treatment. Your orthodontist should be able to provide you with this information.
- Once your insurance company has this information, they will review your policy and make a determination as to whether or not they will cover the cost of Invisalign treatment. If they determine that they will cover the cost, they will send you an authorization letter which you can then take to your orthodontist's office to begin treatment.
- If your insurance company denies coverage for Invisalign treatment, don't despair! You may still be able to get help paying for treatment through other sources such as dental financing or flexible spending accounts.
Alternatives to Insurances for Invisalign Treatment
There are a few alternatives to insurance when it comes to paying for Invisalign treatment. One option is to use a flexible spending account (FSA).
This is a pre-tax account that can be used to pay for eligible medical expenses, including dental treatments like Invisalign. Another option is to use a health savings account (HSA). This is a tax-advantaged account that can be used to pay for qualified medical expenses, including dental treatments like Invisalign.
You could consider financing your Invisalign treatment with a personal loan. This option may have a lower interest rate than using a credit card, and you'll have set payments each month. Talk to your dentist about these and other payment options to find the best way to finance your Invisalign treatment.
Conclusion
Invisalign is a great option for those who want to straighten their teeth without the hassle of traditional braces. It's important to remember that not all insurance plans cover Invisalign, so it's important to do your research and find out which ones do. With the right information and knowledge about what insurances cover Invisalign, you can make an informed decision about whether or not this is the best option for you.