Invisalign and Dental Insurance Coverage Tips

Image shows 5 tips to help finance invisalign treatment: Consider using your HSA or FSA Look at employer-sponsored or individual dental plans, which may provide orthodontic coverage Research companies that lend funds interest free for medical coverage Ask about payment plans Investigate discount plans

Hilary Allison © The Balance 2020

Invisalign may be covered under traditional dental insurance as orthodontic care. Orthodontic care is included in most dental insurance plans. The plan will often pay a certain percentage for orthodontic care. But it might limit amounts for various coverages.

You can take a few steps to find the right dental insurance to get the most out of your coverage for Invisalign procedures, since orthodontic care only pays a portion. There are also other ways to reduce your cost.

How Much Does Invisalign Cost?

As with most orthodontic treatments, the cost of Invisalign is going to depend on your exact needs. Some alignments are straightforward. They will require just basic work. Others can involve multi-stepped procedures that can add costs on top.

Some people may need to have teeth extractions or other work done before an alignment will be possible. There's no one price that applies to everyone, but costs often run from $3,500 to $8,000 for Invisalign treatment.

Getting a proper estimate from an orthodontist is the best way to be sure. Many health plans will cover you at the $3,000 cost, but you may be stuck trying to finance the balance or paying out of pocket if it ends up costing more.

Health Insurance and Other Options

You have a few options to help pay for Invisalign. You might first want to check into companies that lend money interest-free for medical procedures, such as Care Credit. You might also try to arrange a payment plan. Many orthodontists offer them so you can spread out the cost of your treatment. 

Learn more about loans or financing options for medical procedures to see if this would be a good option for you.

Health Insurance Options

Look into saving in an HSA or FSA. Your dental plan may have coverage for orthodontics, but it might not be enough. Using an HSA or FSA can reduce the amount of income tax you owe because you save to them with dollars you're not taxed on. This gives you with extra funds that can be used to pay for orthodontic work. Your employer may also provide funding for an HSA or FSA.

Employer-sponsored or individual dental plans may provide you with orthodontic coverage. Make sure to check both your plan and your spouse's plan to find out how to get the most out of your benefits. Coordinating between two plans may help you get more coverage.

Research which dental insurance companies offer payments for Invisalign treatments. Although most dental insurance companies offer orthodontic care, not all do.

Discount Plans for Invisalign 

Discount plans are not insurance, but they can provide large savings on the cost of your Invisalign or other dental treatments. Some companies will provide you with membership in their dental discount plan for as little as $100 a year. Carrington offers up to 20% off some dental service fees.

Check an online database of dental discount plans to help you here.

Employer Insurance vs. Your Partner's Plan

Find out what their plan will cover if you're in a domestic partnership or you're married and your spouse or partner has a healthcare plan. You may have better coverage on one plan than the other. You may be able to sign a waiver to get on the better plan in this case.

You may also find out that you can use benefits from both plans, coordinating benefits to save money. 

Negotiate Prices and Payments

Contact local orthodontists to compare their prices. Find out what insurance they accept. Then shop around for the best price once you have the dental plan you feel would be best to help cover your procedure. Do this after you have reviewed any other payment options.

Tips for Reducing Costs

Many orthodontists are offering Invisalign treatments, so you may be able to reduce their overall out-of-pocket expense just by making a few phone calls to compare their costs.

They may not want to give their prices upfront, but they may be more willing to give a discounted deal in exchange for gaining a new patient if you explain that you are comparing all the orthodontists available to you. Tell them you're willing to choose the one that has the most reasonable costs and is willing to work with you on payments.