Does Insurance Cover Invisalign? A Simple Guide

Getting a gorgeous smile comes at a price, but that doesn’t mean you have to front the bill all on your own. That’s good news if you’re considering Invisalign treatment.

But before you go for your first consultation, there are some things you should understand about Invisalign insurance coverage.

Does insurance cover Invisalign? Keep reading the information below to find out.

Does Insurance Cover Invisalign?

The answer to this question is sort of tricky. For the most part, standard dental insurance policies cover routine cleanings and exams. They also cover oral procedures like extractions and root canals.

Invisalign is considered cosmetic dentistry, so it’s not always included in basic dental plans. However, many policies do offer assistance for orthodontic treatment.

Some insurance plans will take care of a percentage of the Invisalign cost. With that said, here are some important things to note:

  1. The Invisalign insurance might have an annual maximum of $1,000 to $1,500.
  2. For some policies, fixing crooked teeth is considered cosmetic. If the aligners are used for that, it may not be covered.
  3. Your Invisalign insurance coverage might only offer one service for orthodontic procedures. For instance, if you used the policy to pay for braces in the past, it may not cover Invisalign. 

Alternative Payment Options

If you don’t have Invisalign Insurance, don’t worry. There are several alternatives that you can use to help pay for your treatment, such as:

Payment Plans

Many orthodontic offices offer payment plans. You’ll generally have to apply through a credit lender that’s partnered with the office.

If you’re approved, the credit lender will give you the full amount or a portion of the Invisalign cost. You’ll be required to pay the amount back in installments.

FSA or HSA

If you have a flexible savings account or a health savings account provided by your employer, you can use it to cover your Invisalign treatment.

With an FSA, you can put a portion aside from each paycheck throughout the year for health expenses.

On the other hand, an HSA is used to help people that have high deductible medical insurance policies. It’s a savings account that’s used for health and dental costs with a limit of $3,400 for single persons and $6,750 for families.

Unfortunately, not all employers offer these plans to their employees.

Care Credit

CareCredit is a card that’s designed to help individuals pay off their out-of-pocket medical and dental expenses. Unlike traditional credit cards, it has special options for financing. However, Care Credit can only be used at certain locations that accept it.

Get the Smile You’ve Always Wanted

Hopefully, this article answered your question of “Does insurance cover Invisalign?”

The basic answer to that question is often yes, but only if your policy covers it. On the bright side, it’s good to know there are payment options available if it doesn’t. 

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