Invisalign is an amazing technology! But the advantages of treatment can come at a hefty cost, and many people are left wondering: does insurance cover Invisalign?
Before we get into the minutiae of your insurance plan, let us first address the cost of Invisalign. Like all medical treatments, the Invisalign cost can vary due to multiple factors such as the severity of your dental problem, the duration of your treatment, the kind of treatment you need, and whether you need another treatment along with your Invisalign. To get a true estimate of the end cost, you will need to visit your dentist and get an evaluation. However, the treatment typically ranges from $3000 to $8000 (this is a general estimate and can still vary greatly).
While the price referenced above may make you cringe, it isn’t all doom and gloom. Many insurance companies do actually cover Invisalign dental treatments under orthodontic care. By doing a little extra research, you can find a company with the right insurance plan for you.
Most dental insurance plans will only pay a specific percent of the entire Invisalign medical bill, but by comparing different plans you can ensure you get the best coverage.
If your medical bill is on the lower end of the cost spectrum, you may be able to find a plan that covers the entire cost of your dental treatment. However, if your bill is on the higher end, you might have to shell out for the partial amount or sometimes even the entire amount. It all depends on the conditions for coverage, which can differ from plan to plan and company to company. Never forget to read the fine print of the insurance plan you are considering to take and understand the eligibility conditions before signing up.
Remember, this guide is only meant for educational purposes and if you are considering getting Invisalign treatment you should look into the tax and insurance laws of your particular state.
Read More: How Long Does Invisalign Treatment Take?
With all that out of the way, let’s talk about orthodontic insurance and all the ways that you can reduce the amount you need to pay for your Invisalign!
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If you already have insurance, make sure if it covers orthodontic treatment (not just dental, and yes, it makes a difference). If you don’t have insurance, do your research and compare options. Many companies offer comprehensive benefits to remain competitive. But make sure you consider the eligibility criteria as some plans will only offer insurance for medical problems, not cosmetic purposes. If you are unsure, call up your insurance company to clear up any doubts.
Flexible Spending Account (FSA) is a special account you can deposit money into that is specifically for medical expenses. FSAs are deducted from your gross salary. You will actually be saving money when you consider that your taxable income will be lower (and therefore, lower taxes!). Your employer is the only person that can establish an FSA, and therefore you must be employed to have one.
Health Savings Account (HSA) is another account where you can deposit money for the sole purpose of saving for medical expenses. This account is tax-advantaged, which means you get tax benefits for the amount you contribute into the account. The best part about an HSA account is that you can make tax-free withdrawals for any qualified medical expenses, including Invisalign treatments. To create an HSA, you need to be enrolled in a high-deductible health plan (HDHP).
- Employer-sponsored dental plan:
If your employee benefits package offers dental coverage, check to see if they assist with orthodontic treatments. While not every company offers the same perks, you can substantially reduce the money you need to shell out if you have a comprehensive dental plan. Make sure to read the fine print and understand the terms and conditions- many companies state the maximum amount they will disburse in the fine print! When in doubt, check with your company’s HR on whether Invisalign treatments are covered in your dental plan.
- Payment packages from your dental clinic:
Many clinics will offer a form of payment plan to help patients spread out the cost of treatment over many months. The way these typically work is that you will pay a small sum each month until the total amount is paid off, with a large penalty if you do not pay off the debt in a specified period of time. Check in with your dentist to find out if they offer plans like this, or if they provide some sort of discount on the Invisalign treatment. While it isn’t exactly insurance, discounts and memberships can help you manage and bring down the costs. Request an Appointment & Get 50% Off on Braces or Invisalign
Compare the costs in different clinics offering Invisalign in Los Angeles. Call them and inquire about the Invisalign cost. The cost will obviously vary from place to place, so you need to ask around to find a good doctor that will offer good treatment at an affordable price. If you are honest and let them know that you are on the lookout for a clinic with reasonable rates, the dentist may give you a discount, inform you about offers, or even provide you with a complimentary evaluation. While you’ll surely need a proper personalized evaluation before your orthodontist can determine the exact price, each office should have a set up the approximate price range for all their services.
Figuring out if you are covered or can get covered for Invisalign treatments may seem like a long-winded process. But with the right amount of research and comparison, you can find the perfect dental insurance that suits your needs. If you have ever thought to yourself, “does insurance cover Invisalign?” take comfort in the knowledge you’ve acquired here on ways you can save money. If you still have doubts after doing your research, just talk to your dentist about it – we are always here to help!