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Do You Have To Pay For Invisalign Upfront?
At Zara Dental in Houston, we know that Invisalign can be expensive, so we don’t require that patients pay upfront for their Invisalign trays and treatment. We accept several methods of paying for Invisalign, so don’t delay seeking treatment due to financial limitations. Our treatment coordinators can help you afford the Invisalign treatment you need at a price that fits within your budget. If you need help paying for Invisalign, be sure to speak with one of them.Can You Pay Invisalign Monthly With A Credit Card?
If you’re paying for Invisalign without insurance, you can set up an Invisalign payment plan and make monthly payments using a credit card. It’s one of our many Invisalign payment options, and it’s one of the most convenient ways for those who wonder how they’ll be able to get Invisalign without insurance.How to Pay for Invisalign With Insurance
Does Insurance Cover Invisalign?
Each insurance plan will be unique to the individual, so the best source of information on your plan coverage is your plan provider. If you have health or dental insurance through your employer, the rates and coverages will be negotiated through your employer and the insurance company representative, so call them for the most accurate information. If, after speaking with your plan provider, you’re still unsure about “is Invisalign covered by insurance”, then contact one of our treatment coordinators for your financial options for paying for Invisalign.Does My Insurance Cover Invisalign?
For the best information about your specific plan benefits, contact your plan provider or your employer. The information may also be in the literature you received when you enrolled, or ask your benefits manager if you have the plan through your employer. If you still have questions, then call our treatment coordinators for help or to locate alternative insurance plans that cover Invisalign. You may also be eligible for membership plans that can provide discounts on procedures such as Invisalign.Can I Get Dental Insurance That Covers Invisalign?
Many dental insurance plans cover at least part of the cost of Invisalign. It is under the classification of orthodontic braces, and many insurance plans cover orthodontic procedures such as braces. Check with your provider to be sure, though. There may be a maximum lifetime benefit or a maximum annual benefit on orthodontics, so be sure to ask your provider about that also.Paying For Invisalign Without Insurance
If you don’t have insurance, the following are some of our Invisalign payment options:Can You Pay For Invisalign With HSA Or FSA?
If you don’t have dental insurance or if your health or dental insurance doesn’t cover orthodontics, there are alternatives. If your employer provides either a health savings account or a flexible savings account, you can use those funds to help pay for the cost of Invisalign. Either type of account can enable you to pay for the cost of Invisalign either as a payment plan or as a lump sum payment upfront. You can pay your doctor directly and get reimbursement from your FSA or HSA, or your benefits provider may be able to send payment directly to your Invisalign doctor.What Is An FSA?
An FSA is a flexible savings account that’s established through your employer. It’s funded directly from your paycheck, and your employer manages it, although not all employers offer it. Usually, you can contribute up to 2,600 dollars annually to an FSA, although the amount varies and is determined by the federal government. The money used to fund an FSA is tax-free, so it reduces your taxable income while providing you with funds for dental, medical, and orthodontics. Usually, you aren’t taxed on funds used from an FSA as long as they are used for qualified medical or dental expenses.What Is An HSA?
An HSA is a health savings account typically used by those whose health insurance has a high deductible. It’s managed by the employer, and funds are contributed before taxes, so it reduces your taxable income. Currently, the limits are 3,400 dollars annually for an individual or 6,750 dollars annually for a family. These amounts may fluctuate and are determined by the federal government. In addition, there are IRS eligibility requirements for the establishment of an HSA.Are There Disadvantages To An FSA Or An HSA?
There are some disadvantages to an FSA or HSA, such as:FSA:
- Contributions are capped at a limit set by the federal government
- You can’t claim the medical or dental expense on your income taxes
- This type of account is tied to an employer, which can be a problem if you leave the employer
- You’re expected to use the funds within one year
- You can only opt to join during open enrollment
HSA:
- Unused funds are considered to be a distribution of a retirement account and may incur a tax liability
- Unused funds roll over to the next year
- You must have a high-deductible health plan to qualify
- You must keep receipts to show that expenses were for qualified medical expenses
- There may be monthly fees