It is common to think that all dental insurance plans include orthodontics. However, some insurance companies do not have this benefit. Likewise, insurance plans that include orthodontic services usually have some restrictions.
You should also be aware that insurance plans do not typically cover the entire orthodontic treatment; they will only cover a percentage of the cost depending on the need for treatment.
Insurance companies that cover Invisalign
Coverage for Invisalign is not available in all insurance policies; this is one of the factors you should evaluate before starting your orthodontic treatment. Some insurances with which you can have orthodontic coverage are:
Delta Dental
With Delta Dental, there are some plans where clear aligners or braces are covered, but it all depends on the project and the treatment you need to follow. You will need the Delta PRO plan to cover part of the cost and have the allowance for treatment.
The amount will depend on the plan, although it is typically 50% of the price for both children and adults.
Blue Cross Blue Shield
One of the largest insurance providers in the United States, it has many offices in different cities and varied plans to fit your needs. However, many companies are associated with BCBS, each having different rules regarding Invisalign.
What is a fact is that the basic BSBC PRO plans have no coverage for Invisalign, and if you are lucky to include a range, it will be for those under 19 years old. But the more expensive plans like the PRO plus, yes, can offer you up to 50% treatment.
Aetna
Again it will depend on the plan you sign up for, some will be able to cover up to 50% of treatment for adults, but the more basic ones only have options for people under the age of 19.
For plans where Invisalign treatment is covered, it is common for there to be some restrictions. For example, they may place a lifetime limit or put a waiting period where you will not be able to access the coverage.
Aetna DMO and Aetna PPO plans cover orthodontics for children; you will need a DMO plan for adult coverage.
MetLife
MetLife’s Invisalign coverage usually has a lifetime limit of $1,000 and $3,000. You also have the MetLife TakeAlong plan, where you will receive up to 50% coverage, but in some methods, it is only available for children under the age of 19.
Before starting your treatment, you should review the benefits of your insurance plan; you would rather not be surprised that orthodontic treatment is not included.
Cigna
Although it has three dental insurance plans, only one covers orthodontic benefits; the Cigna Dental 1500 is ideal if you require Invisalign. It covers 50% of the treatment, although it has some limitations.
To start enjoying the benefits, you must wait 12 months, and it has a maximum of $1000 per person. If you have the Cigna Dental 1000 or Cigna Dental Preventive plan, you will not be covered for any dental treatment.
Guardian
You will need a full-coverage plan if you are looking for insurance that includes Invisalign; you must know all the plan’s details because some have an age limit; it will not be available to people over 19.
You should also find an in-network orthodontist to enjoy the coverage. Check to see if you have a waiting period and lifetime coverage limits before you begin treatment.
United Concordia
Flex or Preferred PPO plans usually have benefits for Invisalign, commonly covering up to 50% of treatment. It will help if you read the fine print because coverage is often restricted or available only to those under age 19.
Does any insurance cover 100% of Invisalign treatment?
There are different plans with orthodontic benefits for Invisalign, but none have offered 100% of the treatment. Generally, it covers only 50% of the treatment or places a limit on coverage.
You will also need to evaluate if there is a network of dentists imposed by the insurance; if so, you will only be able to attend with them if you want to take advantage of the benefits.