Does Insurance Cover Invisalign in Westfield, IN?
As a privately‑owned, family‑focused orthodontic practice in Westfield, IN, our team knows that one of the most frequent questions we hear is: “Does insurance cover Invisalign?” You’ve come to the right place. In this in‑depth guide, we’ll walk you through:
How dental insurance applies to Invisalign specifically (and braces in general)
The most common insurance plans and their coverage limits
Tips to maximize your benefits
Alternative options like FSA/HSA, payment plans, and in‑office financing
Our goal? To help you feel confident and informed as you explore your journey to a life‑changing smile. Let’s dive in!
1. How Insurance Treats Invisalign
In short, the good news is: in many cases, yes!—dental insurance does help pay for Invisalign treatment.
Invisalign = Orthodontics, Not Just Cosmetic
While Invisalign is prized for its clear, aesthetic appeal, insurance companies typically treat it as “orthodontic treatment”—not purely cosmetic. If your policy covers orthodontics, Invisalign likely also qualifies.
Common Coverage Structures
Most dental plans cover orthodontics up to a lifetime maximum, often ranging from $1,000 to $4,000, with the most common being in the $1,000-2,000 range.
What is a “lifetime maximum”? Think of it as the ceiling amount that an insurance company will contribute to your orthodontic treatment. The “lifetime” qualifier means that your orthodontic benefits don’t renew every year (your regular dental insurance maximums do, but not the orthodontic portion), so once you use it up, that’s it as long as you have the policy.
Dual coverage/secondary insurance: If you and your spouse have separate dental plans, “dual coverage” can help increase your overall orthodontic benefit contribution toward your or your child’s treatment
💡 Pro tip: Coverage depends on your specific plan—review your policy, but you can also call your insurer or let us verify benefits.
If I have Delta, and someone else I know also has Delta, does this mean our coverages will be the same? This is an important question, and the answer is: no! Your insurance benefit (how good or lacking the benefit is) is entirely dictated by the individual agreement your employer made with the insurance company. There are TONS of different plans, rules, limitations, etc, all decided upon by your employer. And you can exchange “Delta” in this question with whatever company your insurance is through, this applies to all insurance carriers.
💡 Pro tip #2: If you were to use your orthodontic benefit up on your policy, but then you change jobs or get a new insurance policy, you will likely get a new “lifetime maximum” orthodontic benefit with your new insurance, depending on the plan details (since it’s a new plan).
Orthodontic Coverage Basics:
Applies to dependents and sometimes adults (check your specific plan for adults!)
Often covers 25–50% of treatment costs (up to your lifetime maximum amount)
Lifetime maximum typically between $1,000 and $2,000
Subject to deductibles and co-insurance
Does NOT cover replacement retainers after treatment is finished
2. Maximize Your Benefits with Expert Help
We help patients every day maximize their insurance coverage for Invisalign or braces. That means:
Verifying your benefits before treatment begins (filing pre-treatment estimates as needed)
Filing all claims directly so you don’t have to
Advising how to coordinate dual coverage, if applicable
Helping you understand exclusions or pre-approval needs
Using benefits before they expire
Need help understanding your benefits? We’re happy to call on your behalf.
3. What to Expect for Out-of-Pocket Costs
Even with good insurance, you’ll likely have some out-of-pocket investment. Typical Invisalign treatment ranges between $3,000 and $7,000, depending on case complexity. Insurance can help reduce that total significantly.
Expect to pay for:
Remaining balance after insurance maximum is reached
Co-payments or coinsurance, if applicable
Any fees for replacement retainers if they get lost/broken after treatment is completed
*We offer financing options in our office to help make your out-of-pocket costs fit in your budget!
💡 We don’t nickel and dime…when you are presented with the numbers for your overall investment in your orthodontic treatment at our office, this includes everything: braces/aligners, all visits and adjustments, and a set of retainers at the end of treatment.
4. Flexible Payment Options for What Insurance Doesn’t Cover
Even with coverage, there will be some out-of-pocket investment for orthodontic treatment. We offer several ways to make Invisalign work for your budget:
✅ FSA/HSA payments – Use pre-tax dollars to help pay for treatment
✅ 0% interest monthly payment plans
✅ Discounts for full upfront payment
✅ Custom family pricing if multiple family members are in treatment
5. What About Adult Invisalign Coverage?
Some plans limit orthodontic coverage to children under 18. But, many plans still do include adult orthodontic benefits, especially as Invisalign becomes more mainstream. Dr. Julian Davila, DDS, MS, a professional orthodontist in Indianapolis, IN, points out that adult orthodontic coverage is becoming more common and that patients should review all available options each enrollment period.
If you’re unsure, let us help you find out. And if you know you’re going to purse orthodontic treatment, make sure to tell HR at your employer and they can help you choose a plan that’s best for you.
💡 Even if your plan doesn’t cover adult orthodontics, we can still offer budget-friendly treatment plans to help you move forward with confidence!
6. Invisalign at Our Westfield, IN Practice
We believe in artistic, personalized care, combining advanced technology with compassionate service. Regardless which type of orthodontic treatment you choose, we are here to make it easy, efficient, and comfortable. Trust THE local expert here in Westfield, IN and let us show you a smile you never thought was possible! Here’s how:
Complimentary consultation – We review your orthodontic needs and insurance benefits with you.
3D scan & treatment plan – Your smile is unique, and we’re determined to make it your most favorite attribute
Transparent financials – We provide a breakdown of insurance, monthly costs, and work to customize arrangements to fit within your budget.
Artistic, detailed results – Same doctor, every time. One shared vision for your final result, and treated as family.
7. Frequently Asked Questions (FAQs)
Q: How much can insurance save me?
A: Coverage varies. Most patients save $1,000–$2,000—or more if you combine dual plans or FSA/HSA contributions.
Q: What if I don’t have insurance, or my insurance doesn't cover orthodontics?
A: We offer monthly interest-free payment plans, HSA/FSA options, and family discounts. We’ll work with your budget to help make treatment affordable—insurance or not!
Q: How do I know what my particular insurance covers?
A: If you call the insurance company to get details about your plan and benefits. But you can always have us help you! Just book a complimentary consultation and we’ll take care of the rest – we can look up your information to get a breakdown of what your plan covers.
Take the First Step Toward a Smile You’ll Love
We believe every patient deserves to love their smile—regardless of insurance details. Our team will guide you through every step, from checking your benefits to creating a custom Invisalign plan that’s as artistic as it is affordable.
📞 Call today or book your free Invisalign consultation online.
Your confident smile starts here, in Westfield.
About the Authors:
Dr. Sam Titus, DDS, MS: Orthodontist in Westfield, IN
Dr. Julian Davila, DDS, MS: Orthodontist in Indianapolis, IN
