When it comes to orthodontic treatment, Invisalign is a popular choice for people looking to straighten their teeth without traditional braces. But if you’re a Medicare beneficiary, you might be wondering: Does Medicare cover Invisalign? In this guide, we’ll break down whether Medicare helps pay for Invisalign, alternative coverage options, and ways to make treatment more affordable.
Does Medicare Cover the Cost of Invisalign?
Original Medicare (Parts A & B) does not cover Invisalign or any other orthodontic treatments. Medicare only covers dental services if they are medically necessary due to another health condition, such as jaw surgery or facial reconstruction after an accident. Since Invisalign is considered an elective cosmetic procedure, it is not covered under Medicare Part A (hospital insurance) or Part B (medical insurance).
Does Medicare Advantage Cover Invisalign?
Medicare Advantage (Part C) plans, offered by private insurance companies, often provide additional dental benefits not included in Original Medicare. Some Medicare Advantage plans may cover a portion of Invisalign treatment costs, but this depends on the specific plan. If you’re considering Invisalign, check with your Medicare Advantage provider to see if orthodontic benefits are included.
How to Get Invisalign When You Can’t Afford It
If Medicare does not cover Invisalign, there are alternative ways to reduce the cost:
1. Standalone Dental Insurance
Many private dental insurance plans include orthodontic coverage, which may help lower the cost of Invisalign. However, be sure to check whether your plan covers adult orthodontics, as some policies only apply to children.
2. Dental Discount Plans
A dental discount plan is a membership-based program where you pay an annual fee to receive reduced rates on dental treatments, including orthodontics like Invisalign. These can help you save anywhere from 10% to 30% on treatment costs.
3. Payment Plans & Financing Options
Many orthodontists offer monthly payment plans or third-party financing (such as CareCredit), allowing you to spread the cost of Invisalign over time instead of paying it all at once.
4. HSA or FSA Accounts
If you have a Health Savings Account (HSA) or a Flexible Spending Account (FSA), you can use those funds to pay for Invisalign treatment tax-free.
Can You Get Invisalign for Free?
Unfortunately, Invisalign is rarely offered completely free unless through special charity programs or clinical trials. Some nonprofit organizations or dental schools may provide discounted or even free orthodontic care for individuals who meet certain financial or medical criteria.
If you’re looking for free or low-cost orthodontic care, consider:
- Dental schools that offer discounted treatment as part of student training programs
- Charities and nonprofits like Smiles Change Lives or Smile for a Lifetime
- State Medicaid programs, which may cover orthodontics for children under 21
How to Get Braces Covered by Medicare?
Since Medicare does not cover most dental services, getting braces covered under Medicare is challenging. However, there are a few exceptions:
- Medicare Part A may cover braces or dental surgery if it’s part of a necessary medical procedure, such as correcting jaw misalignment after trauma or disease.
- Medicare Advantage (Part C) plans with dental benefits may cover some orthodontic treatments, including traditional braces, though Invisalign coverage varies.
If you’re considering orthodontic treatment under Medicare, review your plan’s details and explore other insurance or financial assistance options.
Final Thoughts: Does Medicare Cover Invisalign?
Original Medicare does not cover Invisalign, as it is considered a cosmetic procedure. However, some Medicare Advantage plans may offer partial coverage. If you need Invisalign but find it costly, alternative options like dental insurance, payment plans, and discount programs can help make it more affordable.
To determine if you have coverage, check with your Medicare Advantage provider or explore other financial assistance programs.
Need More Information?
If you’re looking for affordable Invisalign options, contact your insurance provider or a local orthodontist to discuss financing plans and alternative coverage solutions.
