Does insurance cover Invisalign ?
Invisalign or Invisible alignment is a crowd-pleasing teeth straightening treatment that offers more comfortable and discrete alternative to modern day aligners. Since dental treatments are costly, it's a common query among patients that does insurance cover invisalign treatment. In this ultimate guide we will explore the topic insurance coverage for invisalign.
Invisalign : A clear alternative for to traditional aligners
Before exploring the topic insurance coverage, let's understand what invisalign treatment entails. Invisalign is a sophisticated orthodontic treatment which uses a series of clear-removable aligners to move your teeth to desired position.
Benefits of Invisalign :
- removable
- easy maintenance of oral hygiene
- no pain
- eat and drink without any restrictions
Fundamentals of Dental Insurance Coverage
There are various dental insurance coverage, however every dental insurance coverage plan is different. There are many dental insurance coverage plans which covers invisalign and there are many which don't. Dental coverage plans usually have two categories: a) basic & b)premium plans.
Basic plans usually provides limited coverage for orthodontic treatments, so it may not cover invisalign. The premium plans provides a wide variety of coverage, so most of the plans may cover invisalign.
Invisalign Insurance Coverage factors
- Age Limitations : Insurance plan may have age limitation when it comes to orthodontic treatments. The plans which covers for teenagers/kids may not cover for adults or senior citizens. So make sure to check whether your insurance plan have any age restrictions for orthodontic treatment.
- In-network & Out-of-network providers: Insurance companies have tie-up with various dental services where you will be getting a good discount. Opting for treatment from an in-network will be beneficial for patients.
- Coverage Percentage : Some treatment plan covers full treatment cost throughout lifetime however some covers a particular percentage like 60-70 % for the orthodontic treatment.
- Your deductible & Coinsurance: Even if your insurance covers invisalign treatment, you may still be responsible to pay your deductible and coinsurance.
Invisalign Cost
Cost of Invisalign depends on various factors like :
- complexity of the treatment
- location of the dental service provider
- insurance coverage
How much does invisalign cost ?
However based on various invisalign data the cost may vary from $2000-$6000 USD.
Alternative Financing Option for Invisalign
- EMI based payment : There are several dental service providers who allow you to pay the total treatment charges in EMI's.
- Health Savings Account : Many public as well as private sectors can deduct a certain amount from their salary to transfer it to health savings account, that amount will not be taxable as well. It can be used for orthodontic or other treatments which may not have insurance coverage.
How to get the maximum out of your Invisalign insurance coverage ?
- Review your insurance plan : check reviews & ratings for dental insurance coverage through google and dental forums.
- Check Coverage Percentage : before opting for the insurance make sure to check the coverage percentage.
- Opt for In-network provider : as mentioned earlier, an in-network provider will have tie up with various dental services hence you will be getting good discount on service.
- Don't miss any insurance documents : Keep your insurance documents safe, so that you can refer it if in case any potential issue comes in future.
Conclusion
Invisalign is clearly better option over modern aligners for dental hygiene and comfort. While the coverage of invisalign varies depending on the insurance plan, researching about different plan and exploring the alternative financing option can help you in making treatment more affordable.
Check reviews on your insurance plan, dental service providers and understand up to how much percentage of benefits you will get from the invisalign insurance. By being proactive and informed , you can make the best decision for your orthodontic treatment journey.
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