What Plans Invisalign insurance coverage in NY and NJ?

WANT TO SAVE ON  Invisalign Treatment Costs? Consider Insurance!

Want to Save On 

Invisalign Treatment Costs? Consider Insurance!

Invisalign clear aligners present several advantages that may attract patients compared to traditional metal braces or ceramic braces . Distinct from other orthodontic devices, Invisalign clear aligners are designed to be:

  • Removed at your discretion (for 2 hours a day, during eating, drinking, and dental cleaning)
  • Appear nearly invisible when worn
  • Worn with  no diet restrictions
  • More Comfortable Compared to Conventional Braces
  • More Durable and Less Likely to Break Than Traditional Braces

Invisalign clear aligners offer clear benefits to patients, but they come with a higher price tag. Choosing Invisalign over traditional braces typically means paying a few hundred dollar amount extra on average. These aligners provide advantages like improved aesthetics and the convenience of removable aligners, making them a popular choice for orthodontic treatment.

When considering the cost of Invisalign treatment, it's essential to factor in your insurance plans. Invisalign benefits with insurance plans can help offset some of the expenses, making the treatment more affordable. So, before deciding, it's a good idea to check with your insurance provider to see how much of the cost they may cover. This way, you can make an informed decision about whether Invisalign aligners are the right choice for your orthodontic needs.

However, there are methods to ease the financial burden. Utilizing FSA and HSA savings accounts can offset some expenses, and in NJ and NY, certain insurance plans might contribute as well.

To determine the extent of coverage for Invisalign under your insurance plan, or to find out if it's covered at all, this guide aims to provide clarity. It's designed to help you understand if Invisalign is affordable with your state-sponsored or private network insurance plan .

COST OF Invisalign Treatment Without Insurance

Cost of

Invisalign Treatment Without Insurance

Invisalign treatment costs without insurance can be covered entirely out of pocket, which is a valid option. However, it's likely not the preferred choice for most patients. 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 patients’ 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 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.

HUMANA’S Invisalign Benefits

Humana’s

Invisalign Benefits

Most Humana dental plans offer orthodontic insurance options for Invisalign. This means they help cover a part of the cost for straightening your teeth with these clear aligners. Both adults and children can benefit from this coverage.

It's important to know that Humana's plans are distinct from some other insurance company policies. They don't cover treatments that have already begun, unless you were enrolled in their dental insurance plan before starting treatment.

When considering Invisalign, you should consult with your dentist or orthodontist. They will help you understand your treatment plan and how it aligns with your insurance coverage. Knowing if your dental insurance plan covers these services is crucial. It ensures that you can manage the costs effectively while achieving the smile you desire.

Before you even arrange the first consultation, consult Humana to make sure you’re already covered to receive discounts.

DOES Aflac Cover Invisalign

Does

Aflac Cover Invisalign?

Aflac Dental offers orthodontic coverage under its “Orthodontic Benefit Rider” option. This coverage includes various types of braces, such as lingual braces and Invisalign. To qualify for this benefit, there is a requirement. An individual must complete a 24-month waiting period before beginning treatment.

After this waiting period, the patient can start orthodontic treatment. The initial treatment requires a $500 payment from the patient. This contributes to their oral health and the treatment time for their specific needs.

Following the initial treatment, Aflac contributes to the cost. They pay $50 for each subsequent treatment. This plan helps manage expenses, fitting well with personal spending accounts.

As “limited treatment” is listed under Aflac’s  official benefit form , and Invisalign treats 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.

MAKING Invisalign Treatment Cheaper with MetLife

REDUCING

Costs of Clear Aligner Therapy with MetLife Insurance

MetLife offers dental insurance that might include coverage for Invisalign clear aligners, as long as they are administered by a qualified dental professional. Their variety of dental plans caters to different groups, including unique plans for veterans and federal employees. The most comprehensive coverage and selection of dental providers are typically found in their PPO plans.

Additionally, MetLife provides an HMO plan in New York and New Jersey, which requires choosing a dental provider upon enrollment. However, it's important to note that these HMO plans generally do not cover Invisalign. Therefore, if seeking cost-effective clear aligners, it's advisable to consider their PPO plans and consult directly with a dental provider.

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