Will My Insurance Cover Invisalign
A basic dental insurance plan for adults is not likely to cover braces or Invisalign. If you pay a higher premium for comprehensive coverage, you may be able to get help paying for your treatment.
So if you’re looking for Invisalign insurance coverage, make sure to focus on the plans that offer more comprehensive coverage. You may even want to consider a dental savings or discount plan instead.
Common Questions And Answers
What insurance plans cover Invisalign?
Cigna, Delta Dental, Humana, Aetna, and USAA Dental often cover a portion of the cost of Invisalign.
Is Invisalign free with insurance?
No, Invisalign is never covered in full with insurance. However, some insurance companies cover a portion of the cost.
How much is Invisalign a month?
Invisalign is a customized treatment, so the cost varies greatly. Patients will pay a minimum of $99 for 36 months. Some patients may pay up to $200 for 24 months.
Is Invisalign cheaper than braces?
Invisalign typically costs $3,000 to $10,000. Traditional braces cost $3,000 to $7,000.
What is included with Invisalign?
Invisalign packages include your entire set of removable clear aligners. You will buy the retainers separately after treatment to keep your teeth straight.
Choosing The Best Delta Dental Plan For Orthodontic Coverage
To select the best plan for Delta Dental orthodontic coverage, visit their website and head to the insurance products page.
Youll find a chart summarizing what each general type of Delta Dental insurance plan covers. The page also includes basic facts about each plan.
Consider choosing a plan with orthodontic coverage if youre planning on beginning treatment in the near future. Also, Delta HMO plans are more limited than PPO plans, which can impact your orthodontic coverage.
Additionally, theres a search function that allows you to type in your state for more specific information on Delta Dental insurance plans offered in your area.
How to File a Claim
For in-office treatments like Invisalign and braces, your dentist or orthodontists office will file an insurance claim for you. You dont need to worry about any paperwork.
If you choose a dental office that does not participate with Delta Dental, you may or may not have out-of-network benefits. Sometimes offices will file for you if you have out-of-network benefits. Other times, they will request you pay upfront and file paperwork independently.
If your employer provides your insurance, their HR department may walk you through the process.
Delta also provides step-by-step instructions online on how to file a claim.
According to the website, youll need a statement of treatment from your dentist. Be sure to contact their office for it.1
Read Also: Ail Mlm
What Does Cigna Dental Insurance Cover
Insurance companies classify dental procedures into four categories: preventive, basic, major, and cosmetic.
The majority, if not all, dental plans cater to preventive treatments, such as teeth cleaning. Others will go to the extent of covering basic treatment, such as gum disease treatment, fillings, and root canal treatment. Some dental plans may cater up to 75% of the total cost on the basic list.
Crowns and bridges are often classified as major dental treatments, and insurers can only cover a lower premium on them, sometimes around 50% of the total cost.
So, does Cigna dental cover braces?
Most orthodontic insurance companies that offer dental plans rarely cover cosmetic procedures like whitening, veneers, etc. It would be prudent to note that braces and clear aligners are often considered cosmetic forms of treatment. However, youll find some insurers that classify it as a form of major treatment.
Before settling on your dental plan provider, it would help first to understand all their classifications and how much premiums theyll be paying for each procedure. Furthermore, you should also find out about age, annual, or lifetime limits.
Additionally, it is also essential to understand the common insurance terminologies to know the coverage of your dental plan:
Are Retainers Covered By Dental Insurance & Insights
If youve already had your teeth straightened you probably still wear a retainer at night to maintain the position and spacing of your teeth and prevent them from shifting back to their original location. Your children also may need retainers if they have had braces. Retainers are considered to be cosmetic appliances and therefore are not covered by dental insurance, although the Guardian Direct® top-tier dental insurance plan will pay for one retainer per lifetime if needed. Night guards are also not usually covered by insurance. If you want to learn more about cosmetic dentistry, dental bonding, and what is covered by dental insurance you can browse through the Guardian Direct® library of resources. With articles on everything from dental care and Medicaid to lifestyle tips to help keep your mouth healthy you can get insights on how to keep your smile looking great and to keep your teeth healthy. Invisalign® is a registered trademark of Align Technology, Inc.
SmileDirect® is a registered trademark of SmileDirectClub.
Read Also: Statefarm Pet Insurance
Does Dental Insurance Cover Sleep Apnea Dental Appliances
Sleep apnea can be a serious problem that can cause health issues because it causes people to stop breathing at various points throughout the night³. Some people with severe sleep apnea stop breathing hundreds of times each night, which makes it impossible for them to get the restorative sleep that their body needs. Doctors may prescribe a CPAP machine to help people with apnea sleep and make sure they are getting enough air³. But, in less serious cases or when the apnea is caused by a dental issue a dental device that positions the teeth and keeps the airway open can be used to help prevent sleep apnea. If even you need a sleep apnea device to help you get healthy sleep the devices to treat them are usually not covered by any dental insurance. Sleep apnea dental devices are not covered by Guardian Direct® because they are considered to be cosmetic appliances. If you need a sleep apnea machine such as a CPAP machine to help you breathe at night your medical insurance may pay for that. You can also ask your medical insurance to pay for a sleep apnea dental device if your doctor feels that one is necessary.
Does Delta Dental Cover Braces
Many Delta plans provide coverage for braces, including DeltaCare USA and Delta PPO.
Some plans cover more for children than adults. Others have a lifetime limit, but this varies depending on the specific plan.
Youll need to check your plan to find out how much you need to pay out-of-pocket.
Lingual and clear braces fall into the same category, as they treat the same types of conditions.
As Six Month Smiles typically treats milder cosmetic cases, they may not be covered. Be sure to check with Delta to find out.
Know that youll need to receive treatment from a dentist or orthodontist in Deltas network for the total amount for your coverage.
Recommended Reading: Does Lightning Mcqueen Have Car Or Life Insurance
Cigna: Does It Cover Invisible Aligners
Theres a high likelihood that your current medical insurance has a dental plan. However, not all dental plans cater to orthodontics, which is considered a cosmetic treatment. Furthermore, it is outwardly more expensive than most other dental treatments available.
You may have heard about Cigna insurance, and youre looking to enroll in its dental plan. But does it cover orthodontic treatment?
This post seeks to answer all your key questions regarding Cigna dental orthodontic coverage, becoming the perfect starting point for you.
Does Dental Insurance Cover Invisalign Top Plans And Average Costs
Invisalign is a popular way to straighten teeth, but it’s also very expensive, which leaves many to wonder, does insurance cover Invisalign?
Many dental insurance planswon’t cover orthodontic care, but there are some that do, and when they don’t, you may be able to purchase a supplemental orthodontic plan.
There are other options too when it comes to Invisalign insurance, including discount or savings plans. In this article, we’ll go over your options for dental insurance that covers Invisalign, including the carriers who offer coverage and your other options when it comes to getting the orthodontic coverage you need.
Dentalinsurance.com is a hassle-free way to find a dental insurance plan for Invisalign braces in your area. You can find dental plans that include orthodontic coverage, or supplemental orthodontic insurance plans.
You can also browse a wide range of dental savings and discount plans that can help you save on treatment with Invisalign.
Just enter your zip code and date of birth, and you’ll be able to browse the top dental insurance plans available in your state and get free Invisalign insurance quotes.
And if you need guidance along the way, you can call to speak to a helpful licensed agent.
Recommended Reading: Travelocity Insurance Coverage
Everything To Know About Dental Insurance That Covers Invisalign
On the higher end of treatment plans, Invisalign may cost $8,000 to $10,000. Like most orthodontic treatment plans, the process, timeline, and costs will vary based on your needs and the dentist treating you.
If you dont have dental or orthodontic coverage, you can expect to pay either in a single payment or pay over several months or years, depending on the extent of your Invisalign treatment. The average monthly cost without insurance is $100 per month.
The Truth About Dental Insurance And Invisalign In Toronto: Inform Yourself To Receive Maximum Benefits
Invisalign is a unique product available via many modern, full-service dental offices. This product offers teenagers and adults the opportunity to have straight teeth without the various uncomfortable pieces required with traditional braces.
Many people want Invisalign due to its benefits. These include:
- No restrictions on what you can eat while using Invisalign
- The ability to brush and care for your teeth more effectively than with braces, fighting cavities and other problems that often occur
- Invisalign does not interfere with people playing sports or enjoying other physical activities
- There are no distracting brackets or wires on your teeth when using Invisalign, and many people will not even notice you are using it.
- Invisalign is efficient, often taking as little as one year or less to straighten teeth into a healthy smile.
- Invisalign is removable, letting you take it out when you are ready to eat or have a break from wearing it.
- This system also has fewer irritants that could result in pain or discomfort along your cheeks and gums.
The procedure for acquiring an Invisalign system is simple and painless. At One Centre Dentistry, we create a 3D model of your teeth, which is then provided to Invisalign in order to create a set of custom aligners specifically made for your teeth.
As treatments proceed, you will obtain new aligners at regular intervals, and come in for check-ups to ensure the system is working properly.
Obtaining Treatment with Invisalign
Read Also: Does Car Insurance Cover Windshield Crack
Your Hsa Or Fsa Account
If you have a health savings account or flexible spending account through your workplace, you may want to use the funds from that account to pay for your Invisalign treatment. This is a particularly good idea if you have an FSA instead of an HSA.
While you can roll over the money in an HSA from one year to the next, you cant do the same with the funds in an FSA. If you dont exhaust the money in your flexible spending account by the end of the year, you will lose the funds that remain in your account. If the end of the year is drawing near, you have money in your FSA and you dont foresee needing the balance for anything else, consider using the funds to pay for your orthodontic treatment.
Does Insurance Cover Invisalign Remember These Steps:
- Shop around. Many orthodontists and dentists now offer Invisalign, and the procedure is fairly routine. It may pay to find someone with a lower price or better discounts and deals. For example, if you live in North Carolina, you can take advantage of the great deals we have here at MyOrthodontist.
- Also try to find an in-network orthodontist to work with, if possible. This will make your insurance company more likely to help, and they will often cover more of the treatment.
- Check and see if the orthodontists you are considering are Elite Invisalign providers. Elite providers have a proven track record of success with treatment, with many satisfied patients. This means less chance of unforeseen complications and better-established relationships with most insurance carriers.
- Have your plan in place before starting treatment, if you can.
- Talk to the orthodontist you pick to make sure he or she takes your form of insurance.
- Discuss payment plans. Many orthodontists offer such plans to help their patients spread out the cost of treatment.
- Ask if there is any way in which you can consider your aligners medically necessary. You never know!
You May Like: Travelocity Car Insurance
Alternative Ways To Pay For Invisalign
Since Invisalign out of pocket costs can be high and not feasible for many people, most dental practices offer options to make it convenient and affordable.
Most importantly, different payment options help patients get the treatment they need without delaying it due to finances.
Monthly Payment Plans
A personalized monthly payment plan will be an arrangement between you and your dentist to decrease your initial expenses.
Most dental practices offer monthly payment plans at no additional cost or interest rate. Typically, a practice will require a larger deposit of the treatment upfront and low-cost monthly installments that span several months or years.
Several employers offer flexible spending accounts for their employees as a healthcare benefit.
An employer will typically fund the account with pre-tax money to help cover co-payments and other forms of out-of-pocket costs. An FSA usually has a time limit of one year to use the funds.
An HSA is similar to an FSA but does not have a one-year time limit to use the funding.
Also, an HSA is usually only eligible to contribute to if you have a high deductible health plan. This savings account is used to help cover the costs of co-payments, deductibles, and other out-of-pocket expenses that you may incur.
CareCredit is a great way to finance Invisalign treatment for people who may have high out-of-pocket costs.
Concerned About The Cost Of Invisalign
Even if your insurance plan covers some of your Invisalign treatment, you might be intimidated by the price. Fortunately, Invisalign isnt the only clear aligner brand out there, and its definitely not the most affordable. If youre interested in straightening your teeth without breaking the bank, visit our review of the best Invisalign alternatives below.
Read Also: Best Dental And Vision Plans
What Is Delta Dental
Delta Dental is a nationwide network consisting of 39 independent Delta Dental companies that operate in all 50 US states, other US territories, and Puerto Rico. It is one of the biggest dental insurance providers in America having been founded in 1954.
As their name puts it, Delta Dental specializes in dental insurance. They have nationwide coverage.
As far as rating goes, Delta Dental has a rated A score by AM Best and a rated A+ score by the Better Business Bureau.
If you choose Delta Dental as your insurance provider, there is a good chance that you can get coverage for your orthodontic treatment. But take note that all of this depends on the type of plan you choose with them.
Delta Dental is popular because of the fact that it can provide different insurance policies to help cater to everyones individual needs and budget.
There are three major insurance plans categories offered by Delta Dental:
- Individuals and families provides dental insurance for yourself or for your family.
- Small businesses provides dental insurance for your hardworking employees.
- Retirees provides dental insurance for those those who are retired or retiring soon but still want dental coverage to maintain their smiles.
This means there is no sure way of knowing the specific details unless you speak with a Delta Dental orthodontist or dentist and discuss Delta Dental pay with them to get specific rates.
How Much Does Invisalign Cost With Insurance
Dental insurance widely varies, but many larger insurance policies will cover a percentage of Invisalign.
Others consider Invisalign a cosmetic treatment unlike traditional braces and will not cover any portion. The average coverage will depend on your individual insurance provider, and most dental insurances will cover between 25% to 50% of the treatment fee, leaving you with the balance.
This means even if you and your friend both have Delta Dental, they may cover her Invisalign treatment at 30% while yours is only covered at 25%.
Most dental insurance plans have a lifetime maximum, meaning once you meet that dollar amount, you will be responsible for any remaining or additional costs that you incur.
If you have dental insurance that will cover a percentage of Invisalign, you can expect to pay a monthly fee of around $83 a month over the time period of 36 months.
The dental insurance companies most likely to cover a portion of Invisalign are:
Also Check: State Farm Pet Insurance
Paying For Invisalign From Your Fsa Or Hsa
You may be able to use your FSA to pay for particular medical, dental, and orthodontic treatment, including teeth straightening with Invisalign. Your employer manages your FSA and you contribute funds into the account during each year, usually through deductions from your paycheck. Not all employers offer an FSA, but if they do you are able to put up to $2600 a year into it.
A HSA is a type of savings account that people usually opt for if they have a high-deductible health insurance plan and youll need to meet IRS eligibility requirements before opening one. You can contribute funds to the account and use the money to cover certain types of medial, dental and orthodontic treatment including Invisalign.
You may be able to use your HSA or FSA to pay for some of your Invisalign treatment.It can also be used to supplement the costs that your insurance will pay, as insurance may not cover all the costs.
Youll need to ask your dentist and your benefits manager for advice before you sign up for treatment, about what amounts may be covered and how much you have in your savings accounts. You typically will need to pay your dentist for treatment and then claim a reimbursement from your savings accounts. Sometimes your benefits provider can pay your dentist directly.