You may be able to use your third-party insurance coverage, pay with pre-tax dollars from your HCSA, or arrange a monthly payment plan.
A healthcare savings account, or HCSA, is a non-taxable health benefits bank account that allows you to save and pay for your out-of-pocket health care expenses, which may include Invisalign treatment.
You don’t pay taxes on the money you put in an HCSA.
Before you begin your Invisalign treatment, talk to both your doctor’s office and your benefits manager. You may be able to pay your doctor and be reimbursed from your HCSA. Your benefits provider may also be able to pay your doctor directly.
Many third-party insurance plans cover Invisalign treatment the same way they cover braces. Your third-party insurance may pay for a certain percentage of your Invisalign treatment, or it may pay for a certain dollar amount. Often there is a lifetime cap on the amount third-party insurance will pay for orthodontic treatment.
Ask your benefits manager at work, call your third-party insurance plan’s customer service line, or look through your benefits package for “orthodontic treatment.” Orthodontic treatment is sometimes covered by health, rather than dental third-party insurance, or by orthodontic coverage that you can purchase separately.
When you book your consultation, ask which third-party insurance plans your doctor accepts. Your doctor’s office can also call your third-party insurance provider to check your coverage.