Clear aligners are transparent orthodontic devices used to correct teeth alignment issues. These orthodontics are very popular because the results are invisible. Some teeth alignment issues corrected by clear aligners include crowded teeth, gaps and spaces, crossbites, mixed dentition, overbites, and open bites.
However, this treatment method can be quite expensive, and most people may not have the financial strength to pay. Luckily, dental insurance can come in handy to cover for clear aligners but to a certain extent. Let’s take a look.
Cost of an Invisalign treatment without insurance
Invisalign is a teeth alignment procedure using clear aligners. The cost of clear aligners can be between $3000-$8000. The price varies depending on your location, dentist, and orthodontist charges. You can expect to pay more if you have a complex underlying condition. For example, a severe crossbite takes more time and, therefore, more money.
Insurance and orthodontic benefits
Most people think that all dental insurance coverages cover orthodontic costs, but this may not be true. Several dental insurance packages have orthodontic benefits while others don’t. Besides, those that have orthodontic benefits have some limitations.
You can apply for dental insurance cover through your employer or on your own. Often, your insurance company only covers only some of your orthodontic costs. Most orthodontic coverages cover for clear aligners, but some don’t depend on the plan. It’s always important to check whether your insurance company has a package to cover clear aligners or braces before you start paying premiums.
Many dental insurance packages will only pay a portion of your treatment, while others may clear 50% of the total amount. Some insurance companies have lifetime coverage plans with a limit of $1000-$3000. Improve your smile with clear aligners covered by dental insurance today.
Age is one of the factors that may limit your orthodontic benefits. Most plans with an age limit only cover minors below 19 years. It’s imperative to check your insurance plan’s age limit before anything else.
In and out-of-network
in-Network and out-of Network are terms commonly used to review orthodontic benefits. They sound confusing but understanding what they mean can save you paying more out of your pockets. Your dental insurance company has a network of approved dentists who approve claims.
If you choose an in-network or orthodontist, your insurer will pay for the treatment indicated in your insurance package. However, if you don’t like in-network orthodontists, you can seek treatment from out-of Network orthodontists. Insurance companies will pay a small portion of your treatment costs.
If you don’t want a treatment that will consume much of your resources, then choosing the in-Network option could be a perfect idea. However, if you still want an out-network orthodontist, then you have to prepare to manage cost aligner costs.
Before you pick a plan, you have to consider the waiting period. Some insurance packages will require you to wait for a while before you access the benefits. The waiting periods can vary depending on the insurance company’s policy and between several months and one year.
So if you get an insurance policy for clear aligners, it’s crucial to evaluate the waiting period. You may have to hold on to the thought of clear aligners for the next few months.
Some plans will only cover the cost of your clear aligners up to a certain amount over your lifetime. The lifetime maximum limit depends on your insurance company and can be between $1000-3000. For instance, if you have a plan covering $1000 and your clear aligners cost $1500, you need to pay the $500 difference.
Insurance cost-saving tips
Ensure you have a policy and you fulfill the waiting periods requirement before you begin treatment. Understanding your insurance plan goes a long way to avoid paying any unexpected or hidden fees. You also need to consult your dentist to know the type of treatment you need. Most insurance companies have discounts that could save you a lot of money. It’s essential to take advantage of such offers during or before you begin treatment.
Teeth alignment using clear aligners is a lifetime investment in your appearance or smile. With a dental insurance plan, you can save up to 50% of the treatment cost. The most important thing is to know about different plans and their limitations.