Invisalign has quickly become known as a more reliable, faster and more convenient smile straightening solution than its traditional metal wire and bracket counterpart. However, as with any orthodontic treatment plan, patients need to know and understand the cost of their investment. A major factor in the final cost of Invisalign is understanding whether your health insurance provider will cover orthodontic care, and to what extent. So, what insurance companies cover Invisalign? There are many different insurance companies that may extend their benefits to cover costs associated with the orthodontic treatment, but it depends on each individual plan.
Ask Your Health Insurance Company About Covering “Orthodontic Care”
If a health insurance plan does cover major dental, Invisalign treatment will likely be covered as orthodontic care, a benefit that is included on most dental plans.
Patients can determine whether Invisalign treatment will be covered through contacting their insurance providers directly. Patients should discuss their intentions and clarify any coverage before moving forward with their orthodontist. This will ensure there are no surprise costs at any time during the treatment process.
Ask Your Orthodontist Whether Your Misalignment is a Medical Issue
In some cases, an insurance provider may place restrictions on their coverage. This may mean that, unless your specialist orthodontist deems the treatment medically necessary, your insurance could deny coverage. Speak with your orthodontist to discuss whether Invisalign is addressing a medical issue, or if the treatment is strictly for cosmetic purposes. Contacting your provider directly will help to determine what insurance companies cover Invisalign, dependant on your individual needs.
Take into Consideration Lifetime Limits when asking what Insurance Companies cover Invisalign
A 'lifetime limit' may be another restriction in your coverage. If there is a lifetime limit on your plan, check to see what it is. Also, determine if you have already applied any treatment towards this total. If your dental plan covers Invisalign costs, it can save anywhere between 25 to 50 percent of the final total. However, a lifetime limit could still have you paying more out of pocket than anticipated. Particularly if it catches you by surprise. So always check with your insurance company to clarify your coverage before committing to any treatment.