Insurance Coverage for Invisalign
Learn how dental insurances could help with cost of invisalign in South Bay Area
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Insurance Coverage for Invisalign Treatment - Best Promotion in Bay Area, California
Find out how insurances like Delta Dental, Aetna and Cigna could help with the cost of Invisalign. Learn about the Best Delta Dental Invisalign Promotion we are offering in Los Gatos, Campbell, San Jose, Saratoga, Santa Clara and for Nearby South Bay Area Communities. We are in-network with many more popular PPO insurances in the area, including Metlife, Guardian, United Healthcare, Anthem BlueCross BlueShield of California, Principal and Humana. As a local Invisalign provider we can help you to take advantage of your ortho insurance coverage.
Many people avoid Invisalign orthodontic treatment simply because they feel that the cost of Invisalign treatment is very high. However, if you consider the long-term benefits of Invisalign therapy, its high cost is a small price to pay for getting a healthy smile with perfectly aligned teeth. If you have been putting off your plans to get your teeth straightened with Invisalign simply because of high treatment costs, you can reduce your expenditure by taking advantage of your insurance plan!
Here, we explain various aspects of dental insurance that may help you plan your finances for orthodontic treatment.
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Table of Contents
According to the Centers for Disease Control and Prevention (CDC), over 50% of US dentate adults have private dental insurance coverage. However, a tiny percentage of these individuals utilize their insurance benefits to seek specialized dental treatment, including orthodontic therapy. Did you know that you can use your insurance benefits to reduce your Invisalign treatment costs significantly? In this article, we explain various aspects of dental insurance that may help you plan your finances for orthodontic treatment.
How Much Does Invisalign Cost Without Insurance Coverage?
If you have already asked your dentist for an estimate on your Invisalign treatment, you would be aware of how costly it can be. Typically, Invisalign treatment may cost you anywhere between $3000 and $8000, depending on your treatment needs.
Does My Insurance Cover Invisalign Treatment?
Many insurance providers in the US have now started offering coverage for Invisalign treatment. However, it mainly depends on your insurance plan. While most basic insurance plans do not cover Invisalign therapy, more comprehensive and expensive plans generally have orthodontic coverage. However, it must be kept in mind that even those insurance plans with orthodontic coverage only pay a certain percentage of your treatment expenditures – the rest you have to pay from your pocket. Here are some factors which determine your Invisalign insurance coverage.
How Much Amount Do Insurance Companies Cover for Invisalign?
The amount your insurance company will pay for your treatment depends on whether you choose an in-network or out-of-network dental practice. Each insurance company has a list of dental practices that are approved for filing orthodontic treatment claims. If you choose to go for an orthodontic practice approved by your insurance provider, your treatment cost will be covered based on your contract. While you can still choose to go with an out-of-network dental practice, please bear in mind that you won’t get the same level of coverage as an in-network dental practice. The dentist should follow the exact contracted price and it would be illegal to set a higher or lower price. Some dental offices may add some hidden fees outside their insurance contract. We don’t follow such practices and will give you a clear breakdown of your total cost in your first visit.
How Does Age Affect Insurance Coverage?
Age is one of the most critical factors when it comes to orthodontic treatment coverage. Unfortunately, most insurance companies only cover orthodontic treatment in adults up to 19. Therefore, it is always a good idea to confirm with your insurance provider regarding age limitations.
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What is Lifetime Maximum Coverage?
Many insurance plans have set a maximum amount they will cover for a particular treatment. You can consider this is as a ceiling amount that your insurance company will pay for a particular treatment like Invisalign, crowns, or bridges. Once you cross the maximum lifetime coverage, you will not be covered for that treatment. For example, if your plan has a lifetime maximum of $3000 and your total expenditure for Invisalign was $5000, you will have to fork out an additional $2000 to cover the treatment costs. Therefore, you must consult your insurance provider regarding your lifetime maximum coverage for Invisalign before starting orthodontic treatment. -
Waiting Periods
Like many dentists and orthodontists who have a long waiting list of prospective orthodontic patients, many insurance companies also have a waiting period before you can start utilizing your insurance benefits. Depending on your insurance plan, the waiting period can be anywhere between 4-6 months to an entire year. So, before selecting an insurance plan, you should ask about the waiting periods for Invisalign treatment. Some insurance plans may be cheaper and offer attractive benefits – but with the hidden downside of a more extended waiting period for Invisalign therapy.
Which PPO Insurances Cover Invisalign Orthodontic Clear Aligners?
Delta Dental Invisalign Coverage
It is one of the largest dental insurance providers in California and offers a wide range of dental and orthodontic Invisalign clear aligner plans. There are many options to choose from basic to comprehensive coverage, depending on budget. Call us so we can help you get an estimate of Invisalign cost with your specific Delta Dental insurance plan.
Cigna Invisalign Coverage
Cigna offers three main dental plans, with just one of them providing orthodontic coverage: Cigna Dental 1500. Invisalign is considered an orthodontic treatment and is covered up to 50% of the provider’s contracted fee. There are some limitations. For example you may need to wait one year before using the ortho benefits.
Aetna Invisalign Coverage
Some Aetna plans may offer Invisalign coverage. There is also an age limit for most of those coverages. They also offer a dental savings plan with ortho coverage. For example the Aetna Vital Dental Plus Rx that can help you cover up to 39% on your Invisalign treatment.
Guardian Invisalign Coverage
Some of the Guardian dental plans provide orthodontic benefits. When choosing a plan you have to carefully review the details, such as any age limit, lifetime coverage limit, or waiting periods. Also be careful as Out-of-network providers are not often covered and you need to use an In-Network provider. Note we are In-Network with Guardian.
Metlife Invisalign Coverage
Certain Metlife plans offer orthodontic coverage. Those often come with a lifetime limit or an age limit so you should be careful when selecting a plan. You’ll usually get around 50% of the cost covered.
If you live in Bay Area, you can call us to book a consultation appointment. We will help you with your PPO Invisalign insurance coverage and will be able to give you an estimate for your out of pocket costs.
What are Other Ways to Manage Invisalign Treatment Costs?
No doubt, a good insurance plan can help you mitigate your treatment costs considerably. However, this does not mean that there are no other financing options available for those whose insurance plans don’t cover Invisalign treatment. Here are some alternative options that may help you finance your treatment.
Discounted Plans
Certain providers or dental offices offer discounted plans, also known as dental saving plans. Please remember that these are not insurance plans; instead, they are based on a subscription model where you pay a monthly, quarterly, bi-annual, or annual fee instead of a lump sum payment. Besides, these plans also offer discounts on other procedures like teeth cleaning and dental fillings.
HSA or FSA for Invisalign
Health saving accounts (HSA) or flexible savings accounts (FSA) are often offered by employers. According to the American Association of Orthodontists, these plans allow you to set aside a certain amount of your salary for healthcare-related expenses for yourself, or your family. HSA and FSA accounts allow you to make tax-free contributions so that you can save enough money over time for your Invisalign treatment.
Do your Research
Different orthodontic or dental practices have different Invisalign treatment charges. If you search the internet for Invisalign licensed dentists in your area, you will find numerous dentist offices. The best practice is to make a list of nearby offices and physically visit them and have a chat with the respective dentists. This will not only help you select a dental office that you’re most comfortable with but also choose a practice that offers affordable treatment.
At Dr. Mahsa Efandiari Dental Group, we realize that Invisalign treatment can be expensive. That is why we have partnered with almost all the major US insurance companies to reduce your treatment expenditure. Besides, we also offer flexible treatment plans which allow you to pay the treatment charges in small, easily manageable installments. So, if you’re looking for the best Orthodontic practice in Los Gatos, Dr. Mahsa Esfandiari Dental Group should be your first choice. So, book your appointment today and say hello to a beautiful smile.
Contact Our Invisalign Dentist in Los Gatos
As part of our commitment to bringing a comprehensive array of quality, in-house dental procedures, the Dr. Mahsa Esfandiari Dental Group is proud to offer Invisalign clear aligners to our patients in the South Bay Area. Invisalign costs are similar to the price of traditional braces, making this option a more comfortable and practically invisible way to achieve the smile you’ve always wanted.
Please schedule an appointment online or call us at (408) 371-1070 to have a consultation with any of our Los Gatos Dental Group dentists, and we will be happy to help!
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