How much does Invisalign cost? – Forbes Health
There are three ways to pay for Invisalign, says Michael Gorlovsky, DMD, orthodontist at Windermere Orthodontics in Suwanee and Cumming, Georgia. These options include using your dental insurance, using your Flexible Spending Account (FSA) or Health Savings Account (HSA), asking your doctor for a monthly payment plan.
Payment plans are used for Invisalign on a regular basis, says Dr. Chen. According to Dr. Chen and Dr. Corlovsky, some typical payment plan offers include twenty-four months interest-free payments, or 36 months no down payment. However, you may need to qualify for financing, so your credit score must be in good standing.
Salomon Maya, DDS, a dentist at Maya Dental in Studio City, Calif., says her practice also offers several payment plan options. Patients can pay in full (with a discount), pay in three installments, or use CareCredit, a finance company that lets you pay off your balance over 12 to 48 months. Talk to your Invisalign provider to see if they offer payment plans and which one might be right for you.
Health Savings Account (HSA)
An HSA is a savings account you can use to set aside tax-free money for eligible medical expenses, including Invisalign, which is an eligible expense for HSA funds, Dr. Gorlovsky says. “Under HSA, you are reimbursed for expenses with pre-tax dollars. You pay for Invisalign first, then you can be reimbursed from the account.
In 2022, patients with high-deductible insurance plans (a minimum of $1,400 for an individual and $2,800 for a family) can contribute up to $3,650 (individual) or $7,300 (family ), which renew each year if not used, unlike an FSA, which expires after one year.
Flexible Spending Account (FSA)
Invisalign qualifies for payments from an FSA account, says Dr. Gorlovsky. A Flexible Spending Account (FSA) is an employer-sponsored healthcare account in which you can invest money to pay for medical expenses. Similar to an HSA, after making a payment, a patient can request a refund from their FSA account.
Your employer may offer an FSA program that allows you to contribute pre-tax funds on an annual basis. The limit on how much you can contribute is determined by your company and usually expires two and a half months after the end of the year (some companies may allow you to carry over more than $500).
In dental schools, students provide Invisalign treatment under the supervision of professional dentists, says Dr. Eckhardt. These schools offer lower prices for Invisalign treatment, making them a good option for people who cannot otherwise afford the cost. However, although Invisalign is cheaper at a dental school, the savings aren’t as great as expected, says Dr. Chen, adding that you’ll likely save 10-15% at most. Other factors to consider include longer wait times, longer office visits and stricter protocols, he says.
Medicaid and CHIP
Medicaid and the Children’s Health Insurance Program (CHIP) provide required insurance coverage for certain low-income families, children, pregnant women, people with disabilities, and the elderly for necessary medical procedures, says Dr. Echardt. Medicaid does not provide coverage for Invisalign because it is considered cosmetic. “However, if the medical (dental) condition of the child is so severe as to be [quality of] life suffers, so they could provide the necessary financial cover,” he says.
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