Is Invisalign Covered by Insurance?

8 Mar 2021 by  admin in Invisalign

invisalign clear alignersInsurance plans that cover orthodontic treatment with traditional braces will also typically cover Invisalign. Note, however, that each plan and insurance company can differ considerably in their coverage and limitations. You will need to check your own plan’s policy to determine if your insurance will cover it.

If you’re having trouble deciphering confusing insurance language, don’t hesitate to call your representative for more clarity. You can also check with your benefits manager at work. Furthermore, even if you don’t have insurance or if your insurance won’t cover Invisalign– there are still plenty of options for paying for it, and the treatment itself can be surprisingly affordable.

Securing insurance coverage for Invisalign treatment

Medical insurance plans do not typically cover orthodontic care. Instead, you will need to check your dental plan to determine coverage. Some insurance plans will cover part of the cost, while others may cover it all. And in some cases, Invisalign will be covered in the same way as other orthodontic treatment that is considered “medically necessary.”

A number of factors could lead to a health insurer agreeing that Invisalign treatment is medically necessary. For example, medical necessity may be indicated by the following:

  • Your current misalignment is causing problems with eating or speaking.
  • The teeth are so severely misaligned that they increase the risk of tooth decay or infection.
  • The misalignment contributes to temporomandibular joint (TMJ) disorder symptoms, as characterized by jaw pain and stiffness, dizziness, headaches, and so on.

In addition, craniofacial abnormalities that can benefit from orthodontic care could fall into the “medical necessity” category. The same may apply to trauma-induced malocclusions. To determine if your malocclusion could require medically necessary treatment, you’ll need to consult an Invisalign provider. The dentist will need to provide documentation that proves the medical necessity.

How to pay for Invisalign without insurance

Even if you lack dental insurance or your insurance carrier won’t cover Invisalign treatment, you still have options. The first step is to visit an authorized Invisalign provider to accurately estimate what your treatment costs will be. You’re likely to find that it is surprisingly affordable, particularly if your treatment is expected to be relatively short.

Once your Invisalign dentist on Long Island develops your treatment plan and cost estimate, you can begin formulating a plan. One effective way to finance Invisalign is to use your HSA (health spending account) or FSA dollars (flexible spending account). Both of these accounts offer tax advantages.

Even if you don’t have an HSA or an FSA, or if those dollars won’t entirely cover the cost of treatment, you still have other options. There are multiple health lending companies, such as CareCredit, Lending Club, and Citi Health. These offer flexible payment plans, and you may benefit from an interest-free promotional period on the card.

Schedule a consult for Invisalign treatment on Long Island

Find out just how affordable Invisalign treatment can be by scheduling a Long Island Implant and Cosmetic Dentistry consultation. Dr. Nick and Dr. Elliot are authorized Invisalign providers who can evaluate your bite misalignment and develop a customized treatment plan.

Our office accepts all major insurance carriers, and we also accept health financing plans, such as those available through CareCredit, Lending Club, and Citi Health. We’ll be happy to help you figure out how to afford your Invisalign treatment. Call our office in Suffolk County, Long Island today!

Finally, we’re currently open for all appointments, including cosmetic dentistry, and we are taking strict COVID-19 precautions to protect public health and safety.

 

Additional resources on Invisalign treatment

  1. Invisalign, Ways to Pay for Invisalign Treatment, https://www.invisalign.com/invisalign-cost/how-to-pay-for-invisalign
  2. The Balance, Invisalign and Dental Insurance Coverage Tips, https://www.thebalance.com/invisalign-and-dental-insurance-coverage-2645589

 

 

 

 

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