Invisalign and Dental Insurance Coverage Tips
Invisalign is covered under traditional dental insurance as orthodontic care. Orthodontic care is a benefit on most dental insurance plans. The dental insurance plan will usually pay a certain percentage for orthodontic care.
Since orthodontic care only pays a percentage of the overall costs of orthodontic procedures such as Invisalign, there are a few steps you can take in searching for the right dental insurance to maximize your coverage for Invisalign procedures. There are also other ways to reduce your cost, we will cover them for you here,
How Much Invisalign Costs
As with most orthodontic treatment, the cost of Invisalign is going to depend greatly on your specific situation. Some alignments are straightforward and will require just basic work. Other orthodontic procedures can involve multi stepped procedures that can add costs on tp of the procedure itself as you prepare your mouth for the alignment.
In some cases people may need to have teeth extractions or other work before an alignment will be possible. There is no way to have one price that applies to everyone, but in general you would be looking at between $3,000 and $8,000 for the cost of the Invisalign treatment.
Getting a proper estimate from an orthodontist is the best way to be sure. At the $3,000 cost, many health insurance plans will cover you, however, if you end up paying more, then you may be stuck trying to finance the difference or pay out of pocket. Health Insurance and Other Options for Paying For Invisalign Treatment There are several options to take advantage of plans to help you pay for Invisalign.
- Pretax Flexible Spending Accounts (FSA): Your health insurance dental plan may have coverage for orthodontic, but sometimes it will not be enough. If you want to find a way to save money on the part of Invisalign that will come out of your pocket an FSA is a good option to consider. You can set aside up to $2550 in an FSA (pre tax dollars) to help you pay for Invisalign.
- Employer Sponsored or Individual Dental plans may provide you with orthodontic coverage. Every plan will be different, but if you do have coverage for Invisalign, you may be able to get up to $3500 towards the cost of the treatment. Make sure you check your plan and your spouse's plan to see how to maximize your benefit. We discuss this in more detail below.
- Check into companies that lend money interest free for medical procedures such as Care Credit
- Payment plans: Many orthodontists offer payment plans that can help you spread out the cost of your treatment.
- Discount plans
Discount Plans for Invisalign
Even though discount plans are not insurance, they can provide large savings on the cost of your Invisalign or other dental treatments. Some companies will offer you membership in their dental discount plan for as little as $100 a year. As just one example, Carrington offers us up 20% off some dental service fees, you can access a database of dental discount plans to help you here.
Steps to Take When Choosing an Invisalign Dental Insurance Plan
Research which dental insurance companies offer payments for Invisalign treatments. Although most dental insurance companies offer orthodontic care, which is what may cover Invisalign treatments, not all dental insurance companies do.
Compare Employer Healthcare Insurance vs. Your Partner or Spouses Plan
If you are in a relationship with a domestic partner or are married and your spouse has a healthcare insurance plan, consider finding out what their plan will cover. You may have better overage on one plan than another in which case you could sign a waiver to get on the better plan. Or you may also find out you can use benefits from both plans by coordinating benefits to save money.
Contact Local Orthodontists to Negotiate Prices and Payments
Contact local orthodontists to compare prices and insurance acceptance: Once you have the dental insurance you feel would be best to help cover your Invisalign procedure and you have reviewed other payment options available, shop around for the best price.
Tips for Reducing Costs of Invisalign
Many orthodontists are now offering Invisalign treatments so by comparing each orthodontist's costs, you may be able to reduce their overall out-of-pocket expense just be making a few phone calls.
The orthodontists may not want to give any prices upfront, but if you explain to them that you are comparing all the orthodontists available to you and are willing to choose the one that has the most reasonable costs and is willing to work on payments with you, the orthodontist may be more likely to give a discounted deal to acquire a new customer.