Before selecting a reputable Invisalign doctor in Chicago, a key factor to consider is the cost for the process. There are several options to financing your Invisalign treatment that we will go into detail with below.
Depending on the complexity of your case and length of treatment, Invisalign treatment usually ranges anywhere from $2,500 – $7,500. Now, if you happen to have this sum directly available to you, you can consider paying for the Invisalign treatment outright. This might be an attractive option for those not wanting to worry about making regular payments on time.
For most individuals however, paying outright for the treatment is not possible or not practical. Most Invisalign doctors will have relationships with lenders that provide patient lending for treatments like Invisalign. These are installment payment loans that usually range anywhere from 6 up to 24 months, with the majority offering the funds at 0% interest. This is a very attractive option to most individuals that allows the treatment cost to be spread out over a period of time, thus making it easier to pay. This might even be an attractive option to individuals that can pay the treatment outright, since they might be able to invest their money elsewhere instead of paying for Invisalign since the funds are offered at 0% interest.
Depending on your insurance provider, your Invisalign treatment may be covered by your dental insurance. Some dental insurance providers will cover the cost of Invisalign just as they would cover the cost of standard orthodontic braces. However, some providers consider Invisalign to be cosmetic treatment and thus might not cover any of the cost. Consult your dental insurance provider to determine what is covered. Your Invisalign doctor will also be able to provide you with information of what can be covered with your provider.
FSA and HSA Accounts
Many employers offer Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) where a portion of your paycheck will be deducted over a period of time to your FSA/HSA account to cover treatment such as Invisalign. Invisalign is in most cases considered Orthodontic treatment and thus will in most cases be approved as a qualified medical expense.