Understanding Your Benefits – Insurance for Braces

 

If you need orthodontic treatment, and you’ve opted for Invisalign, you’re probably wondering about the availability of insurance for braces. Not all medical or dental insurance covers orthodontics. Though most of the bigger companies will cover at least some of the costs.

If your existing insurance doesn’t cover orthodontic treatment, you may have to arrange separate insurance for Invisalign . Bear in mind, many companies have a waiting period before you can claim so factor this in.

 How Much Will My Insurance for Braces Cover?

The cost for orthodontic treatment differs from patient to patient. Still, it is unlikely that your medical insurance will cover the full cost of Invisalign.

The company may offer a set percentage or pay up to a predetermined limit. So, you will have to pay a percentage of the costs. Most plans will cover between quarter and half of the cost of Invisalign.

Many insurance companies view orthodontics as a cosmetic treatment so they don’t cover it. Read the small print as some companies will only cover braces that are medically necessary.

Insurance companies also have a lifetime limit on the amount that you can claim for orthodontic treatment. This can vary from $1,000 to $4,000. If your teeth negatively impact your health, your Invisalign insurance may cover a larger percentage of the cost. To request a larger insurance claim, you will need a statement from your doctor with information on the health impact.

What are the other options?

If you don’t have insurance for braces, there are other options.

If you have a Flexible Spending Account FSA or Health Savings Account HSA through your employer, now might be the time to use it.

You fund these accounts from earnings before tax. So, their use offers tax free benefits. Make use of the FSA funds first. The HSA rolls over into the next year whereas you forfeit FSA funds after an agreed period.

With careful planning you can ensure that your Invisalign costs are covered, at least in part, by your insurance for Invisalign.

To know more about Insurance for braces please stay with our website.

Location: 4200 East Ave #100, Livermore, CA 94550, USA

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