Ways to pay for Invisalign® treatment
There are lots of ways to make Invisalign treatment affordable for you.
You may be able to use your third-party insurance coverage, pay with pre-tax dollars from your Health Care Spending Account or arrange a monthly payment plan with your doctor.
Paying for Invisalign treatment with pre-tax dollars using an HCSA
What is a Health Care Spending Account (HCSA)?
A Health Care Spending Account, or HCSA, is a non-taxable health benefits bank account that allows you to save and pay for your out-of-pocket health care expenses, which may include Invisalign treatment.
What is the advantage of an HCSA?
You don’t pay taxes on the money you put in an HCSA.
How can I use my HCSA to pay for Invisalign treatment?
Before you begin your Invisalign treatment, talk to both your doctor’s office and your benefits manager. You may be able to pay your doctor and be reimbursed from your HCSA. Your benefits provider may also be able to pay your doctor directly.
Third-party insurance coverage for Invisalign treatment
What does third-party insurance typically cover?
Many third-party insurance plans cover Invisalign treatment the same way they cover braces. Orthodontic coverage is often a separate benefit in a dental insurance contract. Coverage for orthodontic treatment is often reimbursed at 50%, up to a maximum dollar amount.
To determine your orthodontic coverage, it is recommended that you call your insurance company or speak with the plan administrator where you work and ask the following questions:
- Does the plan cover orthodontic treatment (such as Invisalign or braces)?
- If so, at what percentage?
- Are there any limitations to coverage (e.g., age, maximum dollar amount?
Please note that often there is a lifetime cap on the amount third-party insurance will pay for orthodontic treatment.
How do I know whether my third-party insurance covers Invisalign treatment?
Ask your benefits manager at work, call your third-party insurance plan’s customer service line, or look through your benefits package for “orthodontic treatment.” Orthodontic treatment is sometimes covered by health, rather than dental third-party insurance, or by orthodontic coverage that you can purchase separately.
How do I know if my doctor accepts my third-party insurance?
When you book your consultation, ask which third-party insurance plans your doctor accepts. Your doctor’s office can also call your third-party insurance provider to check your coverage.
Paying for your Invisalign treatment with a monthly payment plan
What is a monthly payment plan?
How can a monthly payment help me?
How can I arrange a monthly payment plan?
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