How Much Is Invisalign Without Insurance – Overview
Today, Invisalign has become the go-to for many people in the quest for the perfect smile. It is composed of a series of aligners and is a popular alternative to conventional dental braces. The average cost of Invisalign dental braces in the United States is around US$ 3,000 to US$ 5,000.
As most insurance companies consider this an aesthetic procedure instead of medically necessary treatment, many insurance providers do not cover the cost of fixing Invisalign braces. This is where the question of how much Invisalign is without insurance arises.
In this article, we will take a closer look at the cost of Invisalign without insurance and the ways you can get affordable Invisalign treatment in the US.
How Much Does Invisalign Cost?
The length of treatment and the complexity of the individual case determine the final cost of Invisalign braces. The final cost also takes into account the cost that your dentist pays to Invisalign. There are several options for Invisalign treatment, depending on your orthodontic needs and your age, according to dental experts.
Here’s a detailed breakdown of the cost of Invisalign without insurance:
Very Mild to Mild Cases:
- Invisalign Express (max. 5 aligners) = US$ 1,200 to US$ 1,800
- Invisalign Express (max. 7 aligners) = US$ 1,500 to US$ 2,000
Mild to Moderate Cases:
- Invisalign Lite (max. 14 aligners) = US$ 3,000 to US$ 4,500
- Invisalign Moderate (max. 20 aligners) = US$ 3,500 to US$ 5,000
Moderate to Severe Cases:
- Invisalign Comprehensive (unlimited aligners) = US$ 4,500 to US$ 8,000
- Invisalign First Comprehensive (unlimited aligners) = US$ 3,000 to U$ 4,500
- Invisalign First Comprehensive Phase II (unlimited aligners) = US$ 3,000 to US$ 4,500
What Affects the Cost of Invisalign Without Insurance?
According to dental experts, the following factors affect the final cost of Invisalign treatment, especially without insurance cover:
The complexity of the treatment – If you only need to align a few teeth, or if your bite is only slightly misaligned, the treatment is considerably short, simpler, and costs less. In contrast, complex alignment issues need more aligners, which increases the overall cost of implanting Invisalign dental braces.
The experience of the dentist – Make sure to find out the extent of experience that your orthodontist or dentist has with implanting Invisalign dental braces. Usually, dentists who charge significantly less than the conventional rate have less experience.
Patient consistency – The level of patient compliance determines the success of results after an Invisalign treatment. Orthodontists and dental experts recommend wearing Invisalign for 20 to 22 hours daily for the best results. As the aligners can be removed, many patients often forget to put them back on quickly, which may result in a longer treatment and consequently raise the cost of the overall Invisalign treatment.
Does Insurance Cover Invisalign Treatment?
Most PPO dental insurance policies offer to cover the cost of Invisalign treatment, but it also depends if your employer has negotiated this into the agreement with the insurer. If your insurance plan covers Invisalign treatment, it is likely to pay between 25% and 50% of the overall treatment cost. Most insurance providers have a maximum cap which is around US$ 1,500 to US$ 2,000, which makes the total cost percentage vary.
How to Pay For Invisalign Without Insurance?
There are five common ways you can adopt to get an affordable and effective Invisalign treatment even if your insurance does not cover the cost, or if you don’t have dental insurance.
1 – Payment plans
Payment plans are most commonly used to get Invisalign treatment. Usually, dental payment plans allow patients to pay the total cost of treatment over 24 months with no-interest payments, or over 36 months with no down payment. However, there are strict eligibility criteria governing this facility. You will need to have a strong credit score if you wish to pay for Invisalign treatment with payment plans.
2 – Health Savings Account (HAS)
An HSA is a savings account where you can collect untaxed money for certain medical expenses, including getting Invisalign treatment. Under this program, you are reimbursed for expenses with pre-tax dollars. You will need to pay Invisalign first and then you will receive the reimbursement directly into your savings account.
3 – Flexible Spending Account (FSA)
An FSA program also covers the cost of getting Invisalign treatment. This is an employer-sponsored healthcare expenses account where you can put money aside to pay for several different types of medical expenses. This program works similarly to HSA where you need to first pay the total cost of Invisalign treatment out of pocket and then seek reimbursement from the FSA account.
4 – Dental Schools
Dental schools are excellent for undergoing several types of dental treatments at a considerably affordable and low cost. When you choose to get Invisalign treatment at a dental school, you can expect to get a discount of 10% to 15% on the total cost of the treatment.
5 – Medicaid and CHIP
Medicaid and Children’s Health Insurance Program (CHIP) offer insurance coverage for low-income families, children, pregnant women, the disabled, and the elderly for necessary medical procedures.
Though it does not cover the cost of Invisalign for aesthetic purposes, if the dental health condition is severe enough to affect the child’s quality of life, the programs may cover the cost of an Invisalign treatment.
Invisalign treatment helps to align your teeth and correct an over-bite. As this is mainly an aesthetic-enhancing dental treatment, most insurance programs do not offer coverage for it. You can still get this treatment done at an affordable cost by choosing payment plans at the dentist, through FSA and HSA, and at dental schools under Medicaid and CHIP.