Can HSA be Used for Invisalign?
Straightening teeth is a time-consuming and labor-intensive process. As such, there can be a significant cost associated with beginning orthodontic treatment to correct tooth alignment and bite issues. What dental insurance covers for orthodontic appliances can vary widely between plans. Often, those wanting to straighten their smile will ask about other payment options that may help them cover the cost of their treatment.
At Passes Dental Care, we understand that the cost of treatment can be a concern for patients. We strive to provide our patients with honest and up-front cost evaluations about their treatment plans. With that in mind, we want to answer one of the most common questions patients tend to ask: can their health savings account be used to cover a portion of their treatment costs?
What Is a Health Savings Account?
A health savings account is also commonly referred to as an HSA. It is a specific type of savings account that allows an individual to put money aside on a pre-tax basis. Money placed into a health savings account can typically be used to pay for certain qualified medical expenses. Often this money is used to cover deductibles, copays, and other medical expenses. An individual, not the employer or insurer, has sole control over their HSA account. Most health saving accounts are attached to high-deductible health care plans to help individuals pay for health care costs. However, employers and insurers may offer HSAs to those with other types of insurance plans as well.
Generally, the amount of money you can contribute to a health savings account is capped. The cap depends on your plan and whether you have self-only coverage or a family plan. Some of the funds in an HSA can be rolled over from year to year. However, that may also depend on your plan.
What Is Invisalign?
Invisalign is an innovative treatment option for those who want to straighten their teeth without the use of traditional metal braces. Invisalign aligners are made from clear and flexible plastic. They are thin and nearly invisible when worn over teeth.
The removable trays work by gradually repositioning a person’s teeth. Invisalign aligners are designed to apply the right amount of force to the correct area of the mouth. Over time and with correct use, a person’s smile will become straighter. Invisalign may also be used to help correct bite problems like overbites, underbites, or crossbites, in addition to misaligned teeth.
Can Money Saved in a Health Savings Account be Used for Invisalign?
Many individuals will turn to their insurer to help them pay for oral health care costs and Invisalign treatment. However, people can also use money from their health savings account, or their flexible savings account to help them cover the cost of Invisalign treatment. In most cases, you will be able to pay for your treatment with the money you have set aside in your HSA.
It is important to first talk with your oral health care provider about your treatment options and how you would like to cover the cost of your treatment. The billing department of your provider’s office should be able to give you a breakdown of the cost and may be able to help you reimburse your provider from your health savings account. If your insurance will cover a portion of your Invisalign treatment, your oral care provider can help coordinate payments from your insurer with payments from your HSA.
Paying for treatment can get complicated. Keep the lines of communication open between you, your insurance provider, and your dental care provider. Feel free to ask your dentist’s office any questions you have about your treatment plan, its cost, and payment details.
Want More Information About Invisalign and Payment Options? Contact Passes Dental Care Today
At Passes Dental Care, we want to help you achieve your smile goals. That means listening to your concerns and helping you find payment options that fit your needs. If you think Invisalign may be right for you and you want to talk about using a health savings account to pay for treatment, call our office. We can examine your teeth and sit down with you to discuss all your treatment plan options. We will also work with you to find payment solutions.
Ready to make an appointment? Call us at 516-858-5921. You can also contact our team online by filling out our online form. Our caring team of oral health professionals wants you to feel confident in your smile. Reach out to our office today.