Invisalign Financial Agreement
If you reserve your opinion, ask what insurance plans are accepted by your doctor. Your doctor`s office can also call your insurer to check your insurance coverage. Many dental insurance covers invisalign treatment in the same way that it covers dental appliances. Your insurance can pay for a certain percentage of your Invisalign treatment, or it can pay for a certain amount in dollars. Often, there is a lifetime cap on the amount that insurance will pay for orthodontic treatment. You do not pay taxes on the money you place in an FSA or HSA. Before you start treatment with Invisalign, talk to your doctor`s office and your benefit manager. You may be able to pay your doctor and be reimbursed by your FSA or HSA. Your service provider may also be able to pay your doctor directly. Small payments during your Invisalign treatment rather than at the same time, you can make it easier to plan your monthly budget. Many doctors offer flexible and affordable monthly payment plans. Ask your doctor about the possibilities he or she offers before or during your consultation on invisalign treatment.
A Flexible Savings Account (FSA) is an account that allows you to pay for certain medical, dental and orthodontic expenses, including Invisalign Clear Aligner. Your FSA is managed by your employer, and you pay money into the account throughout the year, usually through a deduction from your paycheck. You can set aside up to $2,600 a year. Not all employers offer an FSA. A Health Savings Account (HSA) is a special savings account for people with a high-retirement health insurance plan. They put money into the account and can use it to cover certain medical, dental and orthodontic expenses, including Invisalign Clear Aligners. You can set aside up to $3,400 for an individual or $6,750 for a family per year. To open an HSA, you must meet the IRS permission requirements. A monthly payment plan is an agreement between you and your doctor to spread the costs of your Invisalign Clear Aligner over the duration of your treatment.
As a general rule, doctors will ask for a down payment before starting treatment. Ask your workplace benefit manager, call your insurance plan`s after-sales service, or find your plan for “orthodontic treatment.” Orthodontic treatment is sometimes covered by health, rather than dental insurance, or orthodontic coverage that you can purchase separately.
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