Does Dental Insurance Cover Invisalign for Adults- Dental insurance can be a great way to save money on your dental care, including orthodontic treatment. Invisalign is an orthodontic treatment used to correct misaligned teeth, and many dental insurance plans cover Invisalign treatment for adults.
However, the coverage and amount of coverage may vary depending on the type of plan and provider. This article will discuss how dental insurance coverage works for Invisalign and how to determine your range.
What is Invisalign Treatment?
Invisalign treatment is an alternative to traditional braces that utilizes precise, customized aligners to reposition the teeth gradually. The aligners are made of medical-grade solid plastic and are designed to move the teeth without metal brackets or wires.
Invisalign treatment typically takes 12-18 months and involves changing the aligners every two weeks. The aligners are easy to take out for eating, brushing and flossing, and can be adjusted as needed to help achieve your desired results. It is a high sort after treatment.
Invisalign is used to treat orthodontic issues like:
- Crowded teeth
- Gaps and spaces
- Open bites
- Crossbites
- Overbites
- Transitional orthodontics
Traditional braces will be required to correct the alignment of the teeth and jaw and overall oral health in a severe malocclusion.
Does Dental Insurance Cover Invisalign for Adults
Yes, most dental insurance plans cover Invisalign treatment for adults, typically up to a certain amount. However, the coverage and amount of coverage will vary depending on your plan type and the specific provider.
Generally, Invisalign is covered under the orthodontic portion of the dental plan, and the amount of coverage for Invisalign is usually on par with traditional braces. It is best to speak with your dental insurance provider to determine the exact terms of coverage for Invisalign.
Cost of Invisalign Without Insurance
Invisalign costs an average of $1,800 to $9,500 without an insurance. Many factors can affect the price of Invisalign treatment, such as the severity of your dental problem and your doctor’s experience. Some providers accept monthly payment plans, which can make the treatment more affordable.
Additionally, you can use an FSA or HSA to make tax-free payments for Invisalign. While $5,000 is the average cost of Invisalign treatment without insurance, the actual treatment costs will depend on the state of your individual dental needs.
Without orthodontic coverage, you can make payments over several months, or it can be a single payment, depending on the length of your Invisalign treatment.
How Much Does Invisalign Cost With Insurance?
The cost of Invisalign with insurance will depend on your policy and provider. Generally, most insurance plans will cover part of the cost of Invisalign treatment, including the orthodontist’s fees and the cost of the aligners. Some programs may provide coverage for retainers, which is necessary to maintain the results.
It is essential to check with your insurance provider to determine the specifics of your coverage and any out-of-pocket costs you incur. Most dental insurance policies cover between 25 to 50 per cent of the treatment cost, leaving you with the remainder.
You can pay $83 monthly over 36 months if your dental insurance covers a percentage of Invisalign.
Dental insurance companies that cover a portion of Invisalign include:
- Cigna
- Delta Dental
- Humana
- Aetna
- USAA Dental
Alternative Ways to Pay for Invisalign
There are various ways to pay for Invisalign treatment beyond traditional insurance coverage. Many clinics offer payment plans allowing you to spread the cost of the treatment over several months, making it more affordable. There are a few Invisalign financing programs that provide interest-free options.
There are different payment options, they include;
Monthly Payment Plans
People make this arrangement with the dentist to reduce initial expenses. Some dentists offer no additional cost monthly payment plans. Large payment is expected to be deposited first, while the rest are spaced out over months.
Flexible Spending Account
Most employers offer FSA as a healthcare benefit to their employees. The employer typically funds the account using pre-tax money to cover co-payments and other expenses out of pocket. An FSA typically has one year for which you can use the funds.
Health Savings Account
HSA is identical to FSA except that it has no one-year limit for funding. It is mainly for those who have high deductible health care plans.
The savings account covers deductibles, cost of payments and other out-of-pocket expenses.
CareCredit
CareCredit covers medical and dental expenses. It is a credit card used by those with high out-of-pocket costs and partial dental coverage to finance their Invisalign treatment.
CareCredit is an efficient means of paying for dental procedures as it’s fast and does not delay treatments.
