How To Find an Insurance Company That Covers Invisalign

The Invisalign company website provides the interested consumer quite a bit of useful information about Invisalign itself and ideas on various approaches for payment.  Invisalign costs about the same as the orthodontics that it stands in for.  Treatments typically range from $3,500 to $8,000.  Invisalign also states that most major dental insurance companies will cover Invisalign the same way that they cover orthodontics.  In general it is often a maximum of $1,000 of coverage. 

For the person who does not have dental coverage and wants to sign up for it, the first avenue is to find out what insurance companies the dentist – orthodontist performing the treatments will take.  Take notes from what the dentist say about the treatment needed, the time it will take, and the projected cost of the treatment.  The next step is to find out what that coverage is by each of the potential insurance companies.  This can be done by phone or online. For online one will need a computer and online access. It is best to start online to find out for one’s self what the coverage and what the process is for signing up with the insurance company to get the desired coverage. Read carefully and compare plans across companies. It takes time but it is worthwhile. If doing this by phone, it is essential to be patient while on the phone.

What the caller needs to find out is what service the dental insurance company has in the caller’s local area. Then, the caller needs to find out about what coverage the dental insurance company provides for Invisalign.  If the caller gathered information from the insurance company’s website, be sure to confirm that information as company pricing and coverage content does change and often before that updated information posts on the company’s website.  The company’s customer representative will likely want to get the specifics of the treatment as almost all dental insurance companies make a distinction between needed dental treatment and cosmetic orthodontics.  Be sure to understand and ask for clarifications about this distinction.  When the orthodontist files the paperwork it is essential to have the proper wording about the necessity of the treatment to get the coverage.  Often times the insurance company will want a preview from the dentist on what the treatment is going to be and why the treatment is necessary.  For a treatment that has some cosmetic purpose the insurance company may only pay part of its usual coverage.

If one has a “flexible spending account” (FSA) were one works, this account can be used to one’s advantage.  These accounts are allowed to have a maximum of $5,000 for medical reimbursement.  That amount of reimbursement coupled with the typical maximum of $1,000 insurance coverage will usually cover most of a treatment’s cost.  By planning when the treatment is going to be given, the FSA can be arranged to have that maximum contribution.  The great part of the FSA is that it is taken out of one’s pay before taxes are applied so that the money used is tax free.

Throughout the process be sure to keep the treating dentist informed so that the dentist can also provide helpful information.  It takes time but it is worth it.

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