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

Image by Hilary Allison © The Balance 2020

Invisalign may be covered under traditional dental insurance under 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 and sometimes limits amounts for various coverages. 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 for you to consider.

How Much Does Invisalign Cost

As with most orthodontic treatment, the cost of Invisalign is going to depend on your specific situation. Some alignments are straightforward and will require basic work. Other orthodontic procedures can involve multi stepped procedures that can add costs on top of the procedure itself.

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 costs average between $3,500 and $8,000 for 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 paying out of pocket.

Health Insurance and Other Options for Paying For Invisalign Treatment

There are several options to help you pay for Invisalign. 

  1. Consider using your HSA or 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 HSA or FSA is a good option to consider. This option will lower the amount of income tax you owe, effectively providing you with additional funds that can be used to pay for orthodontic work. In some cases, your employer may also provide funding for an HSA or FSA.
  2. Employer Sponsored or Individual Dental plans may provide you with orthodontic coverage. Make sure you check your plan and your spouse's plan to see how to maximize your benefit. Using coordination of benefits between two plans may help you get more coverage.
  3. Check into companies that lend money interest free for medical procedures such as Care Credit
  4. Payment plans: Many orthodontists offer payment plans that can help you spread out the cost of your treatment. Learn more about medical loans or financing options for medical procedures to see if this would be a good idea for you.
  5. 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 Spouse's 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. According to Invisalign insurance may cover up to $3,500 of the cost.

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 by 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.