Understanding Invisalign Coverage
If you’re considering getting Invisalign to straighten your teeth and asked yourself “Does dental insurance cover Invisalign?”, then you’re not alone. In this article, we’re going to answer that question and explore insurance and Invisalign insurance.
Since each policy differs, your Invisalign treatment may not be covered – your insurance might only pay part of the cost. Some plans might consider Invisalign treatment to be medically necessary and cover it while others might not cover it at all. Determining insurance coverage on Invisalign varies from policy to policy!
In fact, Invisalign is typically considered a cosmetic procedure by most insurers, and they will not pay if it is performed purely for cosmetic reasons. If, on the other hand, your malocclusion causes problems for your oral health, it might be considered by an insurer to qualify as a medical intervention worthy of support.
Factors Influencing Coverage
Before anything else, look to your own dental insurance to find out if Invisalign is covered. This seems so obvious yet so many individuals omit this important step. Check through your policy for any mention of orthodontic treatment and/or orthodontic insurance coverage such as braces listed in your benefits. Read the fine print!
If your policy covers orthodontics, find out about the riders! There may be age limits for you, or for what kind of treatment! Find out whether you’re eligible!
Navigating Insurance Claims
Documentation, documentation, documentation. Keep paper records of your dental problems, treatment planning, any medical necessity for Invisalign. This evidence can help validate your claim for coverage.
If there’s anything you don’t understand, don’t be shy – call your insurer! They’ll be delighted to let you know what your policy covers and the benefits you’re entitled to. It’s information that’s far from excessive. In fact, knowledge is power when it comes to dealing with your insurance!
Appealing a Denied Claim
Even if your insurance refuses your claim for Invisalign, you can fight back! File an appeal and provide new evidence – letters from your dentist or orthodontist explaining why Invisalign is medically necessary to treat your dental problem.
Stay on them! Now that the insurance companies have reviewed your case, surely they will see things differently! Stand up for yourself. You’ve got to fight for what you think you deserve!
Alternative Financing Options
If that’s the case, and Invisalign isn’t covered by your insurance, shop around for other forms of financing! Some offices offer payment plans or financing; and some healthcare credit cards will cover dental procedures.
Don’t forget: your smile is your calling card. Any effort put into it is an investment in your confidence and, ultimately, your wellbeing. Invisalign is often not an insured benefit. However, our financing options are developed with care so you end up with more money in your pocket!
Conclusion
So does insurance cover Invisalign? The answer is – it just might! There are a lot of factors that will determine if your particular treatment will be covered by your insurance plan. Your actual orthodontic diagnosis and presenting condition, budget, and medical necessity of your treatment all play a part in the overall equation. Research, advocate with your treatment provider, communicated your concerns clearly, and persist. You might be surprised at the coverage you can actually get!
