If you are considering Invisalign, you should also know how to pay for Invisalign. Maybe you’ve decided to use the Invisalign system of clear aligner trays to beautify your smile, but you don’t know how to finance the Invisalign procedure. If you want the convenience, comfort, and aesthetic appeal of the Invisalign clear aligner trays rather than traditional braces, then Invisalign may be the best solution for you. As with many orthodontic procedures, however, the cost of Invisalign may be out of reach for many patients. Please continue reading to learn more about paying for the Invisalign procedure and how to get Invisalign without insurance.
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 for 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
Can I Get Financing Or An Invisalign Payment Plan In Houston Texas?
At Zara Dental in Houston, we offer low Invisalign monthly payments on in-house financing through Wells Fargo Health Advantage. We also provide alternative payment options for those who have challenged credit. We want you to have the dental work you need at a price that fits your budget, so call us if you have questions about financing Invisalign.
Are There Alternatives To Invisalign?
There are alternatives to Invisalign, such as Clear Braces and Quick Braces. Both of these are available at Zara Dental in Houston, Texas. Quick Braces are reasonably priced, and the treatment time is usually nine months or less. We combine minor dental procedures with Invisalign or braces to achieve the maximum results in the least amount of time. If you need orthodontics but don’t want an extended treatment time, ask us about the Quick Braces alternative to Invisalign.
Clear Braces are another alternative to Invisalign. They’re similar to traditional wire-and-bracket braces, except Clear Braces are made of acrylic or clear plastic. These braces are removed for eating, brushing, and flossing, and are much less visible than traditional wire-and-bracket braces. They’re designed for older teens and mature adults who have the discipline and dexterity to remove and reinsert the aligners. They’re best for minor corrections; those who have severe orthodontic problems should use another type of orthodontic appliance.
Are Invisible Aligners Covered By Insurance?
If your insurance plan covers braces or orthodontics, then Invisalign® or other types of invisible aligners should be covered. However, your plan provider is the best source of information on this subject. If you’re unsure of your benefits, contact your employer or your plan provider.
Can You Fix An Open Bite With Invisalign?
Yes, an open bite can be corrected with Invisalign. When you come to our office for your initial consultation, your dentist will examine your teeth and gums and then recommend the best type of orthodontic appliance for your unique needs.
Who Provides Clear Braces In Houston?
If you’re interested in the Invisalign system or another system of clear aligner braces, then call Zara Dental at 713-766-11122. We’re open seven days a week, and we welcome our Spanish-speaking neighbors. Our address is 6295 Bissonnet St, Houston, Texas, 77081. We have an excellent reputation within the community and are dedicated to providing our patients with the best dental care possible. If you’re looking for Invisalign or another type of braces, or you want information on how to finance Invisalign, then call us today. We look forward to speaking with you and working with you.
