However, some plans may cover a smaller percentage or have annual maximums on orthodontic treatment. It’s important to check your specific dental insurance policy details to understand exactly what percentage and how much they will cover for Invisalign treatment.
Factors That Impact Your Invisalign Coverage
When considering Invisalign treatment, one of the first questions is often will my dental insurance cover some of the costs? Unfortunately, the answer isn’t straightforward.
Several key factors influence the amount of Invisalign treatment your dental insurance provider will cover:
- Annual maximum for orthodontic coverage – Most dental plans have limits for how much they’ll contribute per year. This may be $1,000-$5,000 total.
- Invisalign classification – If your insurance labels Invisalign as strictly cosmetic rather than medically necessary, your coverage may be denied or severely limited.
- Coinsurance percentage – Your plan will likely cover a set percentage, often 50%. The remainder is your responsibility.
- Network status – Using an out-of-network dentist or orthodontist could significantly reduce reimbursement.
As you decide whether Invisalign makes financial sense, study the fine print in your benefits packages closely and consult with providers in your network to determine estimated insurance coverage.
This will depend on your unique policy limitations and the treatment required. With the right information and planning, you can move forward confidently.
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5 Tips to Get the Maximum Invisalign Coverage from Your Current Dental Plan
Getting the most out of your current dental plan for Invisalign starts with understanding exactly what it covers and being a savvy self-advocate throughout the process:
- Verify how Invisalign treatment is covered – Ask directly if it falls under standard orthodontic coverage or other categories that limit payment.
- Check your annual policy limits for orthodontia to calculate estimated insurance contributions.
- Research in-network orthodontists in your plan to take advantage of maximum coverage.
- Before committing to treatment, have your provider submit a pre-treatment estimate to the insurance company.
- Be prepared to appeal if coverage is declined by emphasizing Invisalign’s medical necessity.
Applying these proactive tips will ensure you maximize savings off the total Invisalign treatment cost under your current dental insurance. Having clarity on what is covered in advance allows you to plan treatment timelines and budget appropriately through the process.