Its a teledentistry company that sells kits of multiple aligners you wear at home for a recommended amount of time. I have Cigna PPO dental insurance that provides up to 50% of ortho care but Cigna says at home treatment plans are not eligible, only licensed ortho offices are covered. Insurers are constantly reviewing treatment options and changing their policies based on new research and data. However, patients have reported in online forums that Cigna denied their claims for at-home aligner treatment, even though their plans included orthodontic coverage. The initial consultation is free of charge. If I have orthodontics coverage, how much should I expect to pay out of pocket? Its more affordable than traditional braces and other dental-aligning procedures that an orthodontist does in their office. Super frustrating. A licensed dentist or orthodontist supervises the creation of treatment plans and all your aligners are delivered by mail. On top of this, they handle insurance claims from start to finish, making it easier on you.  The material is less effective and the degree and accuracy of tooth movement is limited due to lack of attachments. You can also use HSA or FSA funds, and pay using CareCredit. For information about your state, contact a Cigna representative. California 2018, Signature Value, Dental 160. They said it does not matter that it's prescribed by a dentist. Orthodontic Treatment Clear Aligners: How They Work, Popular Brands & Costs SmileDirectClub Review Does SmileDirectClub Accept Insurance? Coming this summer, Aetna Dental will offer in-network coverage of SmileDirectClub clear aligner therapy. According to their website, in most cases, SmileDirectClub will coordinate payment directly with the insurance company so you only pay the balance of what you owe after discounts and insurance coverage is applied to the total cost of your treatment. However, some companies might provide a reimbursement instead. This initial step takes 45 weeks. Just like Invisalign, braces are only covered under the Cigna Dental 1500 plan, not the Cigna Dental 1000 or Cigna Dental Preventive plans. Essentially, early practitioners of general medicine and dentistry both treated their practices as distinct from each other. Clear aligners, like Invisalign, are usually covered by insurance in the same way as braces. If your account has a SmilePay balance, we will first apply a credit toward it. FSA savings based on max annual federal rollover limit. Our teeth whitening kit contains everything youll need to Depending on your insurance provider, you could be eligible to have all or part of your SmileDirectClub aligner treatment covered. Plans come with $0 virtual care and $0 preventive care. Children and teenagers are the target demographic for orthodontics. Most insurance companies offer at least some benefits for aligners. If a customer completes Are smile direct club aligners as good as Invisalign? This statistic, based on findings by the American Dental Association (ADA), highlights why a teledentistry company like SmileDirectClub appeals to consumers looking for a remote care option for a straighter smile. Can SmileDirectClub Guarantee Reimbursement? The Aligner Accessories Every Clear Aligner Wearer Must Have. We also use third-party cookies that help us analyze and understand how you use this website. To find out for sure, you or your home aligner company will need to contact them directly to discuss the details of your insurance plan. Clear aligner therapy through SmileDirectClub's teledentistry platform is covered by Aetna, UnitedHealthcare, Cigna, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, and Empire BlueCross . Does my purchase include free teeth whitening? Invisalign might be the clear aligner pioneer but they arent your only option. Just like other medical or dental insurance claim processes, the insurer can initially deny the claim for various reasons, often ones with easy remedies. Is it better to get a policy through an employer or on your own? The answer to this question is simple: no, health insurance doesnt cover orthodontics. If my policy doesnt include orthodontic coverage, can I add it on as a rider? While this may influence where their products or services appear on our site, it in no way affects our ratings, which are based on thorough research, solid methodologies and expert advice. Time for the question thats no doubt on your mind: Does my insurance cover home aligner treatment? Hey [MYNAME], per your request, we contacted Cigna to see if theyll cover part of your clear aligner cost. Is Invisalign covered by Cigna? It isnt as easy to find a provider, but if you can, youll likely spend less than you would with Invisalign this system has a typical price range of $3,000$5,000. Orthodontics: What You Don't Know Can Hurt You. If you discover your company won't pay for all the care you need, you have options. The most popular at-home clear aligner kits can be found right here: Learn about the different brands and what they offer. But smile direct club keeps telling me it is covered. Our premium toothbrush includes all the bells and bristles without 50% more effective than string floss when it comes to improving the Keep in mind that this is a rapidly changing situation. Pursuing orthodontic treatment as an adult can feel stressful and overwhelming. Some insurance plans cover it and others dont. Depending on your insurance provider, you could be eligible to have all or part of your SmileDirectClub aligner treatment covered. SmileDirectClub accepts most major insurance coverage. Even when it is, it comes with special considerations. Last updated on January 3, 2023 Leave a Comment. Read through our true cost of Invisalign guide for a closer look. This includes how much orthodontic treatment will be covered and for how long. First, youll want to contact your insurance company. Can you share how? But if you want to work with a different company, you may be forced to pay for care out of pocket. Other companies leave the process up to you. Accessed 6/10/2021. What are reasons adults can be denied orthodontic coverage? UnitedHealthcare. If you're an adult looking for help with aligners, Cigna may not be a good choice. Connect with virtual care (telehealth) providers, 24/7. Make a $250 down payment followed by monthly payments of $89/month for 26months ($2564total). MUCH APPRECIATED! Affordable Dental Insurance for Braces. She is also a registered yoga teacher (RYT-200) and a functional medicine certified health coach. Then there is 3M Clarity, which has the same price range as Invisalign but can treat a slightly wider range of conditions. You can wear the aligner during the day or at night (per your dentists recommendations), and it resolves some common braces-related issues like getting food stuck in your smile, as there are no brackets for food to get snagged on. Additionally, theres a $1,000 lifetime maximum per person. To summarize, even if you have dental coverage with orthodontic benefits, dont assume it will cover SmileDirectClub, or any other orthodontic treatment, for that matter. Available for shopping during Open Enrollment (Nov 1-Dec 15, in most states) Many aligner companies will handle this conversation for you. In fact, SmileDirectClub is in-network with Aetna and United Health Care and they can help request reimbursement from Cigna, BlueCross, BlueShield, Delta Dental, and more. As your teeth shift incrementally, you wear new sets of prescribed aligners, each progression taking you to the next stage of your smile. Just keep in mind that you wont get the same level of financial assistance as you would with job-based plans. But most insurance companies publish information about their plans online. Many dentists also offer credit lines with varying interest rates, so you can pay up front with a small loan and then pay it off over time. Orthodontics can be a major treatment. He doesn't think Smile Direct cares. Lets say SmileDirectClub does their preliminary check and determines that your insurance company wont cover their aligners. UnitedHealth has anagreement with SmileDirectClub, and you can use that partnership to pay for aligners. Are there other options that might be covered? The claim process might seem intimidating if youve never done it before, but the good news is that Cigna offers instructions on their website. MUCH APPRECIATED! Alena is a professional writer, editor and manager with a lifelong passion for helping others live well. Those professionals work on afee-for-service basis, meaning customers pay for the product rather than chipping in a monthly fee to access the care. (August 2019). Before insurance, SmileDirectClub aligners cost $2,050. This compensation comes from two main sources. That makes usingat home clear alignersa little difficult. Who here has had success getting reimbursed? No credit checks are required. Are Doctor-Directed At-Home Invisible Aligners Covered Under My Plan? achieve full enbrightenment. Every dental insurance provider has their own terms, and if they offer multiple policy tiers, there will be variations between coverage there as well. The Cigna Dental 1500 plan has fairly comparable orthodontic coverage to other insurance providers. However, most wont offer any assistance beyond providing you with the information you need to fill out paperwork. Erica Anand is a licensed dental specialist with experience in personalized dental content writing and blogging for corporate publications. 4A state-licensed dentist or orthodontist evaluates and approves your new smile. very insightful, will take all information into consideration! Your insurance savings are waiting. Which insurance companies are known to work with SmileDirectClub? Aligners can fix the issue, and it's reasonable to expect your health insurance to cover this necessary work. To be honest Im not really sure what to make of it lol.. After some research I read that it doesn't cover orthodontist/cosmetic type issues /: I think there's a problem in your question. Alyssa has an M.A. Cigna. They will inquire with your insurance company and contact you by email or text to let you know whether youre eligible for coverage. Good news our insurance team confirmed you have orthodontia coverage and are eligible for up to $975in potential savings. $x="uDqyC#`ipu/_K"(}ETS:`U R F QX1. Before you can figure out how much your Cigna insurance will cover, youll need to know what kind of prices youre working with. Cigna offers coverage forone type of aligner: Invisalign. A+ Grade with the BBB. in Journalism from the University of Arizona and is the lead content writer and editor for NewMouth. Orthodontics is not automatically covered under dental policies. Cigna. And if these policies dont cover traditional orthodontics or preventative dentistry, they wont pay for remote aligners, which even most dental policies classify as cosmetic treatment. By calling them, you can clarify the treatment details and potentially work it out. SmileDirectClub promises easy teeth straightening. Our partners cannot pay us to guarantee favorable reviews of their products or services, {{ tocState.toggleTocShowMore ? Does Insurance Cover Teeth Aligners? Dont see your providers name? Get started with us today! With aligners, Cigna may not be a good choice plans come with 0. 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