Invisalign is a popular way to straighten teeth without metal braces. Many people want to know, “Does insurance cover Invisalign?” The short answer is sometimes, but it depends on your insurance plan. Some dental insurance policies help pay for Invisalign, while others do not. In this guide, we will explain how insurance coverage works, which providers offer the best plans, and what you can do if your insurance does not cover Invisalign.
Understanding Invisalign and Its Cost
The clear aligner solution from Invisalign moves teeth into proper position gradually. People who wish to hide their dental correction will find Invisalign to be a convenient solution. But Invisalign is not cheap. Here’s a look at the costs:
- Patients who choose the Invisalign system face payment ranges from $3,000 to $8,000 for their treatment.
- Insured patients receive coverage ranging from $1,000 up to $3,000 as per their insurance terms.
- You will need to pay the entire expense yourself because your insurance will not make any payment.
The price depends on how much work your teeth need. If your case is simple, it will be cheaper. If your teeth need more movement, it will cost more.
Does Insurance Cover Invisalign?
Dental insurance plans provide coverage of Invisalign, yet this benefit does not apply to all plans. Several important factors exist for checking the costs.
- Orthodontic benefits – Some plans cover braces but not Invisalign.
- Coverage amount – If your plan covers Invisalign, it usually pays a portion (about 25–50%) of the cost.
- Age limits – Some insurance plans only cover Invisalign for kids and teens, not adults.
- Waiting periods – Some plans require you to wait months or years before getting orthodontic benefits.
Which Insurance Providers Cover Invisalign?
Here are some major insurance companies that may cover Invisalign:
1. Cigna
- Offers plans that cover part of Invisalign costs.
- Coverage depends on your specific plan.
2. Delta Dental
- Some plans include orthodontic coverage, in some plans that may cover Invisalign treatments.
- The level of coverage varies based on the individual state, along with the selected plan type.
3. Humana
- Offers dental plans with orthodontic benefits.
- May cover part of Invisalign costs.
4. MetLife
- Some high-tier plans cover Invisalign.
- Must check if orthodontic coverage is included.
5. United Healthcare (UHC)
- Several dental plans have set benefits for Invisalign treatment.
- Invisalign coverage rules differ depending on the selected plan type, together with state regulations.
State-by-State Invisalign Insurance Coverage
Insurance plans differ by state. Some states offer better coverage than others. For example:
- California & New York – Many plans cover part of Invisalign costs.
- Texas & Florida – Some plans only cover metal braces, not Invisalign.
- Midwest & Southern states – Coverage options vary widely.
Always check your state-specific plan details.
Does Medicaid or Government Insurance Cover Invisalign?
Medicaid sometimes covers Invisalign, but only if it is medically necessary (not just for looks).
- If your child has serious dental problems, Medicaid may help.
- For adults, coverage is very rare.
- Each state has different rules, so check your local Medicaid office.
Employer-Provided Insurance & Invisalign
Some jobs offer dental insurance that may help pay for Invisalign. If your employer provides insurance, check:
- If the plan includes orthodontic benefits.
- If Invisalign is covered or only traditional braces.
- How much your plan will pay for treatment.
Military & Veterans – Does TRICARE or VA Cover Invisalign?
The dental insurance options TRICARE and VA provide access to eligible military members, including veterans.
- Most adults who receive TRICARE insurance coverage cannot get Invisalign treatment.
- The VA may offer help if Invisalign is needed for medical reasons.
- Some private military insurance plans do offer partial coverage.
What If My Insurance Doesn’t Cover Invisalign?
If your insurance does not cover Invisalign, here are some options:
1. Appeal a Denied Claim
- Ask your insurance company to review your case.
- Provide a letter from your dentist explaining why Invisalign is necessary.
2. Use an FSA or HSA
- You can use your Flexible Spending Account (FSA) to pay for Invisalign treatment because these funds come with tax benefits.
- A Health Savings Account (HSA) gives patients an additional alternative to use pre-tax finances for Invisalign expenses.
3. Payment Plans & Financing
Orthodontists and dental professionals provide payment plans distributed monthly to reduce the cost of Invisalign treatment.
4. Look for Discounts & Special Offers
- Orthodontists sometimes give discounted fees for complete payment of their services.
- Dental schools may provide lower-cost Invisalign treatments.
Hidden Costs & Additional Fees to Consider
Insurance may not cover extra costs like:
- Retainers – Needed after Invisalign treatment.
- Additional aligners – If treatment takes longer than expected.
- Consultation fees – A few dental practitioners request patients to pay a consultative fee before their first appointment.
Step-by-Step Guide to Checking Your Invisalign Insurance Coverage
Proceed through this method to determine whether your insurance plan covers Invisalign treatment.
- Contact your insurance services for information about orthodontic expenses.
- Ask if Invisalign is covered or just traditional braces.
- Find out the coverage amount and any limits.
- Check if you need a referral from your dentist.
- Ask about waiting periods before benefits start.
- Confirm if you must use an in-network provider.
- Patient responsibility levels for Invisalign treatment must be confirmed through a pre-treatment estimate request.
Frequently Asked Questions (FAQ)
1. How much does Invisalign cost with insurance?
Due to different insurance plan specifications, patients must pay between $1,500 and $5,000. It depends on their chosen benefits from their policy.
2. Can I get Invisalign for free with insurance?
The cost of the treatment can decrease with insurance benefits. However, insurance alone does not provide complete coverage. You must cover part of the Invisalign cost even with insurance coverage.
3. Does insurance cover Invisalign for adults?
Insurance plans limit coverage to child and adolescent patients alone or extend benefits for adult recipients. Check your policy.
4. Can I get Invisalign with Medicaid?
Only if it is medically necessary, and mostly for children, not adults.
5. How can I lower the cost of Invisalign?
- Use an FSA or HSA.
- Ask about payment plans.
- Look for discounts at dental schools.
- Check if your insurance has hidden benefits.
Conclusion
So, does insurance cover Invisalign? Sometimes, but not always. The best way to know is to check your insurance plan and ask the right questions. If your insurance does not cover Invisalign, there are other ways to lower the cost, such as payment plans, FSAs, and discounts. Talk to your dentist or orthodontist to explore your options and find the best way to afford Invisalign.