How Can Insurance Help you Save Money On your Invisible Braces?

How Can Insurance Help you Save Money On your Invisible Braces?

April 15, 2021

Invisible braces are a popular treatment option for misaligned teeth. Because they are very effective in providing you with the smile that you need, they can be quite expensive. The cheapest products available in the market can cost you around $2,000, while it is possible for the cost to go as high as $8,000. That’s a lot of money you need to shell out just to get the smile that you want. Luckily, you don’t really have to pay the full cost of braces when you have dental insurance.

Having dental insurance is a smart way to help you save money on getting invisible braces. With this, it’s important to understand how dental insurance works and the different insurance plans available for you. Knowing this will allow you to have an informed decision when it comes to how to finance your dental treatment.

This article tackles invisible braces and the cost for the treatment, the different dental insurance policy coverage, how to use insurance to save up on the cost of treatment, as well as frequently asked questions regarding invisible braces payment.

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What are Invisible Braces?

For those looking to have straighter teeth and a better smile, orthodontic treatment is a necessity. However, most people want their treatment to be discreet. Hence, they opt for invisible braces. Currently, there are three types of invisible braces available in the market.

The first type is the ceramic brace. These are like traditional braces in that they use brackets and wires to straighten the teeth. The difference with ceramic braces is that they use clear brackets which make them less visible compared to traditional braces. It often takes as little as half a year for a patient to achieve their treatment goal with ceramic braces.

The second type is the clear aligners type. This is a removable appliance made out of a plastic or ceramic material that fits over the teeth. Clear aligners put low-force pressure on the teeth which move over time into alignment. With clear aligners, treatment takes 6 to 18 months depending on the severity of the case.

The last type is the lingual braces type. Lingual braces use the same bracket-and-wire system to align the teeth and mitigate bite issues like underbites and overbites. However, unlike traditional braces, lingual braces are placed behind the teeth which makes them practically invisible and definitely low profile and discreet.

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How Much Is Invisible Braces Treatment?

There are two types of invisible braces products; clear aligners and lingual braces. These options are becoming increasingly popular given that they are more aesthetically pleasing compared to conventional metal braces. They are removable and virtually invisible so you don’t have to go through the hassle that comes with awkward metal braces.

Invisible braces have been available since the 1990s. Back then, they weren’t as popular of an option. Due to the advances in the technology and science involved in developing and manufacturing invisible braces, its popularity has exploded in recent years. There are now more manufacturers and suppliers of invisible braces products. In the current market, there are now at least 27 different clear aligner and lingual braces product options to choose from.

The prices for invisible braces vary depending on your provider.

In the case of Invisalign, one of the premium providers in the invisible braces industry, they charge their customers a different price depending on the severity of their case. The company provides you with your personal Invisalign-trained doctor who will then examine your case in order to figure out the specific quote and cost for your treatment. Afterwhich, they will discuss with you the different payment options available for you.

Other invisible braces suppliers and companies will charge you with a fixed price. They often give you the option to pay the lump sum or through monthly installment plans.

To give you an idea of what to expect for the cost of your invisible braces, we’ve collated the prices for some of the industry’s top providers.

For Invisalign, you should expect to pay around $3,000 to $8,000. Furthermore, this can be spread out through a 24-month plan, the price for this would vary depending on the case.

Candid, another invisible braces provider, has their treatment priced at $2,400. This is one of the cheaper companies available in the market. They also offer a payment plan of $99 per month with an initial down payment of $399.

Dandy is another provider that is on the less expensive side. Their treatment costs range from $1,900 up to $2,600 and you can opt for the monthly payment plan where you’ll have to pay $88 to $122 per month.

Smile Direct offers their invisible braces treatment at $1,895. You can pay a down payment of $250 and a monthly payment of $85.

Last in our list of top invisible braces providers is Impressions. You can avail of their service at $3,500.

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How to Save Up on Treatment Costs with Dental Insurance?

Because of how expensive invisible braces can be, you might get discouraged to seek treatment. You don’t have to worry too much over the cost because there are dental insurance plans that cover the expenses of orthodontic products like clear aligners.

Depending on your insurance plan, your insurance company can cover a certain fraction of your clear aligner treatment. Some plans offer a specific price ceiling for the coverage. A lot of the dental plans available include a lifetime cap on the amount covered in your treatment plan.

Depending on your provider, your orthodontic treatment can either be covered by your health insurance or your dental insurance. For good measure, you need to read the specifics of the benefits included in your insurance policy. If you are insured in your work or company, you can talk to your human resources or your employer regarding the insurance plan the company has for you. Aside from this, you can always get in touch directly with your insurance provider.

It is also smart to ask your orthodontist or invisible braces provider regarding the types of insurance plans that they accept.

What Are Other Programs To Help You Save Up?

Aside from dental insurance, there are other ways you can save up on invisible braces.

  • First, most providers offer a monthly payment option. These monthly plans cost more overall, but since payment is spread throughout the treatment period, you won’t have to worry about the burden of expensive upfront payments.
  • Second, flexible savings accounts or FSAs let you set aside your healthcare expenses. These include costs for orthodontic treatments.
  • A third option available is health savings accounts or HSAs. An HSA is similar to an FSA except that the funds in this program roll over the next year. Aside from this, you will be required to have a high-deductible insurance plan to be approved for an HSA.
  • Fourth, you can opt for a medical credit card. These are special credit cards that have a 0% introductory rate within the first half of the year up to the next two years. A popular provider of medical credit cards is CareCredit.
  • Fifth, Medicaid is a good option you can look into. Eligible children aged 21 or younger can benefit from Medicaid and have their orthodontic treatments covered.
  • Lastly, you can opt for a children’s health insurance program. This program provides low-cost health coverage which includes orthodontic treatment. This is a good option for families with an income bracket that don’t qualify for Medicaid.

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How Much Will You Save Up With Dental Insurance?

When it comes to how much you can save on invisible braces when you have dental insurance, there’s no one size fits all answer. The exact amount you can save on these aligners with insurance would depend on several factors such as your location, your provider, your treatment plan, and your insurance plan and policy.

At the most, dental insurance plans can cover up to half the cost of your orthodontic treatment. It would depend on your insurance provider and their coverage limit but generally, you can save as much as three and a half grand on clear aligners. There are also providers who will do the paperwork and file the claim for you.

Conclusion

There’s no doubt about it, invisible braces are expensive. However, given that there are insurance and payment plans available, you don’t have to pay for the total list price. Additionally, a combination of insurance, savings accounts, and health programs can offer you a significant saving on your orthodontic treatment.

Despite the cost, invisible braces are definitely worth it. You just need to be diligent and stick to your treatment plan. This means you need to wear your retainers as prescribed. For those conscious of their smile and are looking for ways to make it better, invisible braces can give you that needed confidence boost. Furthermore, if you’re looking for a treatment that’s done discreetly, then invisible braces are a good option for you.

You don’t have to worry too much about the price of treatment. With insurance and other programs, you’ll be able to save up. You need to first check with your provider regarding which insurance policies they accept. At the end of the day, you really shouldn’t be paying for the full listed price.

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