It is advisable to get dental insurance to cover financial expenses such as dental tests, braces, and so on. But does dental insurance cover Invisalign? Dental insurance sometimes covers Invisalign, if not completely, at least partially. Most dental insurance policies cover Invisalign just the same way they cover traditional coverage.
Depending on your type of insurance plan, your dental insurance should cover Invisalign. Invisalign is an effective and popular alternative to braces.
It helps align your teeth without needing metal wires or brackets. To some people, Invisalign treatment is more expensive despite its benefits. However, if you have a dental insurance policy, you can easily get around the expenses related to Invisalign.
When or before you purchase a dental insurance policy, you need to be aware of some factors and information, like coverage limits, type of coverage, what it covers, and whether it covers Invisalign or not.
Does Dental Insurance Cover Invisalign for Kids?
Most dental insurance plans offer coverage for some or the entire cost of orthodontic treatment for kids under the age of 18. This treatment includes Invisalign and other orthodontist-prescribed clear aligners.
As previously stated, Invisalign treatment is similar to braces treatment, meaning they are almost done the same way. Your insurance company will pay a particular percentage or total amount for the Invisalign treatment. Also, there may be a limit to how much payment is covered annually.
Does Dental Insurance Cover Invisalign for Adults?
Some dental insurance policies do not offer Invisalign coverage for adults. Insurance plans that have orthodontic benefits may cover some of the costs of Invisalign for adults. These policies depend on the insurance company and the insurance plan.
Some insurance plans may only cover orthodontist-provided aligners, while others may cover the cost of at-home care aligners. If your insurance policy does not cover Invisalign treatment, the following are a few options to consider:
- Payment Plans: Most orthodontist providers offer payment plans to make paying for Invisalign more manageable.
- Health Insurance Instead of Dental Insurance Coverage: Chances are that adults may be able to get orthodontic insurance coverage through their health insurance policy. This is common if the treatment is considered medically compulsory.
- Flexible Spending Accounts or Health Savings Accounts: These accounts give you the ability to place aside pre-tax funds to use on medical or health-related expenses. It can also be used to cover the cost of aligners for Invisalign.
These options can help you get coverage or get around your Invisalign treatment bills if your dental insurance cannot offer coverage for it.
Things You Should Know About Dental Insurance for Invisalign
There are some things you need to know about dental insurance for Invisalign. These things will guide you through the process and determine whether it is a good idea or not. The following are some of the most important things you need to consider before making this decision:.
• Invisalign is an investment
Dental insurance for Invisalign can be a very good way to help you cover the costs. It is important to be aware that Invisalign is an investment.
Caring for your oral health is important for your entire health and well-being. Making this investment can help improve your dental health, making it an important reason to get long-term benefits.
• The plan you choose will have a significant impact on your dental insurance coverage
Many dental insurance companies offer different coverage plans. Generally, the most basic plans will not cover Invisalign, but if you want your dental insurance to cover Invisalign, you need to make sure you employ a plan that will cover Invisalign treatment. This will help you reduce out-of-pocket costs.
• Most dental insurance policies that cover Invisalign only cover a part of the treatment
An average dental insurance policy covers between 25% to 50% of the cost of your Invisalign treatment. It is recommended to check with your insurance company to see how much insurance coverage you will get before buying it.
Some dental insurance policies have an orthodontic rider that can cover a part of the Invisalign cost. This stands as an add-on to your dental insurance policy.
• There are in-network and out-of-network Invisalign insurers
Many insurance policies have a network of dental providers with whom they have negotiated discounts. If you select an in-network provider, your dental insurance will cover a larger portion of the Invisalign cost.
In cases where you choose an out-of-network provider, you may be able to get insurance coverage for Invisalign, but you will likely need to pay more out of pocket for the expenses.
