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Is Invisalign Covered Under Dental Insurance?

The Invisalign Treatment

The most recent breakthrough in the cosmetic and orthodontic industry has been the introduction of Invisalign treatment. You may have not heard about this treatment or even known much about it. Many people had to resort to this Invisalign treatment before the new age of orthodontics was established. It is amazing how something so simple as a plastic device has been able to revolutionize the way people treat their teeth. Orthodontics has come a long way from where it was in years past and the Invisalign treatment is just one of the changes that have been made.

One of the many reasons why Invisalign new treatment has become so popular is the fact that it is very affordable. While most people think that people with more money are going to get better deals on cosmetic dental care, this is certainly not always the case. When a person gets a dental plan with a monthly fee, the deductible is what keeps the cost up. A deductible is how much the insurance company will pay if a patient visits them and is found to be at fault for the dentist’s bill. This is why it is important for you to keep up with your policy and make sure that you do not spend out of pocket for your care.

Invisalign treatment

These new procedures have greatly reduced the amount of money that you will have to pay for your orthodontic care. The Invisalign treatment is considered to be among the best when it comes to treatment for teeth alignment. As long as you are careful with the materials used in the procedure, you will be able to save money and time. The Invisalign treatment does have its downsides however, but these can be eliminated through your insurance policy. As long as you have insurance coverage and can pay for a procedure, there is no reason to shy away from this type of treatment. The Invisalign treatment is fast becoming a necessary procedure for people who have multiple orthodontic treatments.

Did you know that orthodontic treatments, including orthodontic braces and removal braces, are the most commonly requested medical procedures in private health insurance (based on information from the Australian private health insurance broker)? This should make sure that your Invisalign treatment can be included in your dental insurance coverage. Note that this coverage is only available in private health insurance.

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How to request Invisalign treatment

The fact that Invisalign is a form of removable brace means that it would be classified as orthodontic treatment. In this case, the Australian Private Health Insurance Ombudsman (PHIO) provides a helpful guide to help you apply for this treatment.

PHIO recommends obtaining a treatment plan written by your orthodontist in advance. This is because various healthcare funds must first determine your orthodontic benefits, based on the orthodontic treatment plan.

A treatment plan normally includes details such as:

– The estimated duration of treatment

– The total cost of treatment

– Dental item number to identify treatment

– How will you pay for the treatment (this can be done in monthly instalments or lump-sum payment).

When presented with a copy of the treatment plan, the health fund will provide you with an allowance quote. Such a quote would be based on treatment and level of coverage.

Benefit limits and waiting periods

Different health funds offer various benefit limits; although everyone tends to have a similar 12 month waiting period. A waiting period is simply the time you need to wait after coverage begins before you can benefit from any benefits. Remember to the first search for health funds that offer the best benefit limits before setting one.

Some funds offer accrued benefits, while others have only fixed benefits. In the case of fixed benefits, you will be allowed to request a certain amount of benefits per year, which would also have an overall limit beyond which you cannot claim during your lifetime. In the case of accrued benefits, there is still a maximum duration limit, but the amount of the annual benefit increases continuously on an annual basis.

When choosing the most suitable coverage, always consider the annual benefits and duration limits. It is necessary to ensure that these specific amounts significantly offset the costs of orthodontic treatment. This is especially true since the Australian Society of Orthodontists reveals that orthodontic treatment for both upper and lower braces should range from $ 4,500 to $ 8,000.

Choosing a medical professional can affect the benefits

It is of paramount importance to clearly understand the conditions for health insurance. In some cases, the health fund may offer fewer benefits if orthodontic treatment is performed by a general dentist rather than an orthodontist. Therefore, you need to inform your fund in advance about your health care provider. Fortunately, many health funds offer similar benefits, whether you get treatment from an orthodontist or general dentist.

Considering all the technical aspects that can influence your benefits, you should always carefully analyze all the conditions that apply to your coverage. This will guarantee you the most adequate coverage for your Invisalign treatment.

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