The cost of your Invisalign without insurance will depend on multiple factors like where you live, how much your dentist charges, and how long your treatment lasts. However, there are ways to reduce your out-of-pocket charges. Let’s guide you through!
Overview of Invisalign Without Insurance
Invisalign is one of the most well-known brands of dental aligners. However, with prices starting in the thousands of dollars, it is not cheap. People with crooked teeth frequently avoid braces in favor of clear plastic dental aligners.
If you do not have dental insurance, you may believe it is out of reach. However, there are a few ways to cut out-of-pocket expenses.
We explain why Invisalign is more expensive than other clear plastic aligner treatments and how you can save money on teeth-straightening solutions in the sections below.
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How Invisalign Works
An initial evaluation is performed by a dentist or orthodontist to determine whether you are a good candidate for Invisalign or if traditional braces (wire and bracket appliances fixed to the teeth) would be a better option for you.
Dentists are experts in overall dental health. Orthodontists are experts in tooth alignment and positioning. The cost will be determined by the provider’s level of experience with Invisalign.
If Invisalign is a good fit for you, your provider will use a digital scanner to create a 3D image of your mouth and develop a treatment plan for you.
The image is used by Invisalign’s parent company to create a series of clear aligners that gradually move your teeth into the desired position. Each aligner is tailored to you and your desired outcomes.
Your dentist or orthodontist will detect potential problems and monitor tooth movement as you progress through the aligners.
The aligners work by gently but consistently applying force to the teeth. Depending on the severity of your problem, you may also need to wear certain attachments under your aligner.
Treatment necessitates regular contact with your provider. You will need to visit your provider every 6 to 8 weeks for evaluation and new aligners, and you will wear a new aligner every 1 to 2 weeks.
After your treatment, you’ll need to wear a retainer to keep your teeth from shifting back. You should inquire whether this is included in the cost of your treatment.
How Long Invisalign Treatment Takes
The length of treatment is determined by the individual’s needs, the treatment plan, and how well you adhere to the treatment plan.
Aside from the cost, Invisalign is not for everyone due to its demanding schedule. The aligners should be worn between 20 and 22 hours per day. To eat and drink, you must remove them.
If you follow the instructions, you can often finish Invisalign treatment in less than two years. Treatments can last anywhere from 6 to 21 months on average.
Having your teeth extracted can delay your treatment. If extractions are required, Invisalign can take 44% longer than traditional braces.
If you don’t need to have your teeth extracted as part of the treatment, Invisalign takes 67% less time than traditional braces.
Does Insurance Cover Invisalign?
Invisalign may or may not be covered by insurance.It is determined by your plan and whether you are receiving Invisalign for cosmetic or medical reasons. Insurance will almost certainly deny coverage for cosmetic procedures.
Invisalign clear aligners are covered by many dental insurance plans in the same way that traditional braces are. Your provider may cover up to 50% of the treatment cost depending on your plan.4
Cost of Invisalign Without Insurance
Invisalign costs without insurance range from $1,800 to $9,500, depending on the complexity of the problem. A teenager’s average cost is $3,000. A “full” treatment would cost a typical adult $5,700.
Other Ways to Pay for Invisalign Treatment Without Insurance
You can also pay for Invisalign in the following ways:
Monthly Payment Plans
Many dentists and orthodontists accept payments in small monthly increments throughout your treatment.
Some have in-house payment plans, while others collaborate with finance companies such as LendingPoint to make this possible.
FSA or HSA
Flexible savings accounts (FSA) and health savings accounts (HSA) are types of savings accounts that allow you to save money for medical expenses before taxes.
If you don’t have insurance, you can pay for Invisalign with a flexible spending account (FSA) or a health savings account (HSA). Some employers provide an FSA program into which you can contribute through pretax payroll deductions.
You can use the money you saved to pay for Invisalign. It is less expensive than paying monthly or upfront because you will not have to pay taxes. Because not all employers provide an FSA, it is not an option for everyone.
If you have a qualified high-deductible health insurance plan, another option is an HSA. To be eligible for an HSA, you must also meet IRS eligibility requirements.
An HSA allows you to set money aside tax-free to pay for qualifying medical, dental, and orthodontic expenses, but unlike an FSA, the funds do not expire after a year. If you don’t have an FSA or HSA, there is another way to save money on taxes.
Medically necessary dental and orthodontic expenses, such as Invisalign, can be deducted from your tax return if they exceed 7.5% of your adjusted gross income. So keep all of your receipts.
Factors That Influence the Cost of Invisalign
The actual cost of Invisalign treatment relies on five factors:
1. Length of Treatment
Based on your condition, your doctor will recommend an Invisalign treatment plan. Because moderate to severe cases of tooth misalignment necessitate longer treatment times, they are more expensive:
- Invisalign Full costs $3,500 to $9,500
- Invisalign Teen costs $2,000 to $5,000
- Invisalign Express costs $1,800 to $3,000
- Invisalign First costs $3,500 to $8,000
If your doctor recommends Invisalign Assist, you will require an additional set of trays known as refinements. These trays are already included in the treatment cost. If you require more, each additional tray may cost you an additional $300.
2. Where You Get It
The price of Invisalign is affected by where you get it. Private dental offices may be more expensive than dental clinics. A dental school is the most affordable place to receive dental care, including clear aligner treatment.
3. What Your Doctor Charges
Doctors’ fees may vary depending on their expertise and overhead costs. Orthodontists typically charge a higher fee than dentists because they specialize in teeth straightening and orthodontic issues.
Additional adjustments beyond what was included in your initial pricing may or may not be charged by your doctor.
4. Where You Live
Another factor that influences the average cost of Invisalign treatment is location. Suburban Invisalign dentists charge less than those in urban areas. Dentists in both suburbs and cities typically charge more than those in rural areas.
5. Invisalign Retainers
You must wear retainers after your treatment to keep your teeth straight.Invisalign retainers range in price from $400 to $1,000 for a set of four. You should wear your retainers indefinitely. Each set can last for 10 years or more if properly cared for.
Without insurance, the average cost of Invisalign is $1,800 to $9,500. The cost of Invisalign is determined by the length of your treatment, your location, the doctor’s experience and pricing, and the type of retainers you use afterward.
Invisalign treatment may or may not be covered by your insurance policy. Insurance typically does not cover Invisalign for cosmetic purposes.
Monthly payment plans, an FSA, or an HSA are also options for paying for Invisalign. Alternatives to Invisalign include traditional metal braces, at-home clear aligners, and a hybrid option called Candid Aligners.
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