What Insurance Plans Cover Invisalign Treatment in NY and NJ?

It’s a totally valid option to pay for Invisalign treatment without insurance coverage, entirely out of pocket. That said, it’s probably not the option most patients will prefer. On average, Invisalign treatment costs between $2,400 to $8,000 without coverage. Your provider may offer flexible, monthly payment plans to make that burden a little more manageable, but that will still not be most patient’s desired option.

Given that many Americans struggle to pay an unexpected $400+ expense (per the Federal Reserve), we recognize that is likely not the ideal price range. But while Invisalign treatment will never be covered in full, some of the following plans may be able to cover a fraction of the cost in NY and NJ. Here is an overview of some popular providers, and whether they cover Invisalign treatment.

Orthodontics are a listed benefit under Aflac Dental’s coverage, as the “Orthodontic Benefit Rider” option. To reap this benefit, the individual must have completed a 24-month waiting period. Then, the patient will pay $500 for initial orthodontic treatment. Following the initial appointment, Aflac will then pay $50 for each continued treatment.

As “limited treatment” is listed under Aflac’s official benefit form, and Invisalign aligners treat limited sets of teeth at a time, you should be able to receive at least some coverage for Invisalign clear aligners. However, these benefits are not payable to patients who began treatment before the waiting period ended. Coverage may also vary depending on locale, age, or the location where you seek treatment. Be sure to review your case with an Aflac provider before making any big commitments.

If your family is enrolled in UnitedHealthOne, your children might be eligible to receive orthodontic coverage under certain primary plans. However, orthodontic care is only covered for eligible patients under the age of 19.

Furthermore, that “cosmetic dentistry” is listed as an unpayable service under any circumstance, pursuing Invisalign coverage through UnitedHealthOne may not be the best idea for you and your family. For more information, review their Dental Primary Plan or speak with a UnitedHealthOne representative directly.

Certain Aetna plans may offer coverage for orthodontic appliances and Invisalign clear aligners. However, given that plan parameters can vary, it’s important to consult your provider about plan parameters directly. You can also refer to Aetna’s official Orthodontic Care FAQ.

You do not need a referral if your plan includes orthodontic benefits, though patients under an Aetna DMO (Dental Maintenance Organization) will only have their coverage limited to using in-network orthodontists. Certain plans may also be subject to age limits, so if you are an older patient seeking Invisalign clear aligner coverage, be mindful of that.

As one of the nation’s largest dental insurance providers, it would be odd if Delta Dental didn’t offer insurance coverage for orthodontics and Invisalign clear aligners. Fortunately, they do; their comprehensive allowance options include all steps of treatment and post-treatment, but only cover the comparative standard treatment cost.

The patient will be responsible for covering any additional fees outside of that average cost, and unfortunately, Invisalign treatment will not be a covered expense for enrollees under their DentalCare USA plan. With all of that in mind, carefully review the fine print from both your Delta Dental provider and dental care provider before committing to anything.

Unfortunately, patients covered under the Medicaid program in New York, New Jersey, or elsewhere will not be able to receive coverage for Invisalign clear aligners. They have the strictest anti “cosmetic procedures” policy of any provider on this list. If you qualify to receive orthodontic coverage under the State Medicaid program, you are not eligible for any options except metal braces. Traditional braces are a good option as well, as long as your orthodontist is an experienced provider.

With insurance or without insurance, there are plenty of options to reduce the cost of your Invisalign treatment in NY or NJ.