Invisalign is an orthodontic treatment that straightens teeth without the use of metal braces. It is a series of custom-made, transparent appliances that cover the teeth and, over time, gently move them into the correct position. Whether or not Invisalign is covered by orthodontic benefits depends on the plan. Generally, the most basic plans don't include any orthodontic coverage, while the most comprehensive and expensive plans do.
All of the insurance companies have a plan (or several plans) that may cover orthodontic appliances or transparent aligners. Originally, Invisalign was created for use by dentists and orthodontists, but today, orthodontists are the preferred providers because they are better trained and more qualified to monitor and modify treatment when needed. Invisalign, metal braces and any other treatment that moves the teeth are all considered orthodontic treatment or therapy. Orthodontic treatment is covered by many dental insurance plans, so you may be able to claim a substantial portion of the cost through your insurance.
Cigna offers three dental plans, but only the Cigna Dental 1500 plan will offer orthodontic benefits. These benefits include Invisalign, and you may be eligible to cover up to 50% of the cost of your orthodontic provider's treatment through that coverage. Orthodontists are trained to use several methods to align crooked or crowded teeth and correctly align the jaw, and they understand the strengths and weaknesses of each method, including Invisalign treatment. Orthodontic discounts aren't mentioned in any of their dental plans, but they do mention that “cosmetic treatments are not covered”.
Nearly all dental insurance companies offer some type of orthodontic benefits with certain plans, and most include Invisalign. Many people would like to fix a crooked smile with Invisalign or other straighteners, or have dental treatment to help improve the appearance of their smiles. Although Invisalign is expensive, keep in mind that you could get some help from your dental insurance, depending on your specific plan. From insurance coverage to flexible savings accounts, health spending accounts and health savings plans, there are several ways to make paying for Invisalign treatment more affordable. Dental insurance plans sometimes cover Invisalign treatment, although it depends on your specific provider and plan.
Invisalign not only improves the appearance of the smile but also plays an important role in maintaining optimal oral health: straight teeth make it easier to clean teeth and gums, and are more stable and resistant to wear and tear over time. Aflac's official benefit form mentions “limited treatment” which means that Invisalign clear aligners should be covered at least partially. Insurance sometimes partially covers Invisalign and other cosmetic devices and services. If you're thinking of using Invisalign orthodontics to improve your smile and health for yourself or your children, you probably already know the many benefits of this state-of-the-art dental straightening system. Online dental alignment services now allow teeth to be aligned for a fraction of the cost of braces or Invisalign. If you don't have dental or orthodontic coverage, you can expect to pay in a single payment or over several months or years, depending on the extent of your Invisalign treatment.