- Invisalign Insurance Guide · Williamsburg Brooklyn
Coverage depends on your specific plan — not just the carrier name. Toothology is in-network with all four and can verify your orthodontic benefits before your consultation.
Is Invisalign Covered by Insurance? MetLife, Cigna, Delta Dental & Aetna
Some dental insurance plans may cover part of the cost of Invisalign, but coverage depends on the specific plan — not just the insurance company. Toothology is in-network with MetLife, Cigna, Delta Dental, and Aetna under many plan types, but being in-network does not automatically mean your plan includes adult orthodontic or clear-aligner coverage.
Does Dental Insurance Cover Invisalign?
Sometimes. Invisalign may be covered if your dental plan includes adult orthodontic benefits that also apply to clear aligners. The carrier name alone does not answer this — two plans from the same insurer can have very different orthodontic benefits.
Check three things in your plan:
Orthodontic coverage:
Adult eligibility:
Clear-aligner coverage:
THE KEY QUESTION
Does your exact plan include adult orthodontic coverage — and does that coverage apply to clear aligners like Invisalign?
How Orthodontic Benefits Work
A few insurance terms make Invisalign coverage easier to understand before you call your insurer or ask Toothology to verify your plan.
| Term | What It Means for Invisalign Coverage |
|---|---|
| Adult Orthodontic Benefit | Confirms whether orthodontic coverage applies to adults, not only dependent children |
| Clear-Aligner Eligibility | Shows whether Invisalign or other clear aligners are covered under the orthodontic benefit |
| Lifetime Orthodontic Maximum | The maximum amount the plan may pay toward orthodontic treatment over its lifetime benefit period |
| Coinsurance / Copay | The patient's share of covered treatment costs after the plan's portion is applied |
| Waiting Period | Some plans require enrollment for a set period before orthodontic benefits become available |
| Pre-Treatment Estimate | An estimate from the insurer showing how the plan may contribute — it is not a payment guarantee |
| Treatment in Progress | Coverage may be limited or unavailable if Invisalign began before the current plan became effective |
- TIMING MATTERS
If Invisalign has already started before a new plan takes effect, coverage for the remaining treatment may be limited or unavailable. Verify your benefits before starting treatment and before making any plan changes during open enrollment.
Coverage by Carrier: MetLife, Cigna, Delta Dental & Aetna
Coverage varies by the exact plan, even within the same insurance company. The summaries below are general guidance — your individual benefits should always be verified directly.
Some MetLife plans may include orthodontic benefits that apply to Invisalign or other clear aligners, while others may limit orthodontic coverage or exclude adult clear-aligner treatment.
Toothology is in-network with many MetLife plans — your specific network status and benefits should still be confirmed before treatment begins.
CIGNA
Some Cigna plans include Invisalign under orthodontic benefits, while others may exclude orthodontics entirely or limit adult coverage.
💡 For example, Cigna currently lists Invisalign under the orthodontia benefit for Cigna Dental 1500. This is one plan example and should not be assumed to apply to every Cigna plan.
If your Delta Dental plan includes adult orthodontic coverage, Invisalign may be covered. Benefits vary across plan types and employer-sponsored plans.
Some Aetna dental plans may include orthodontic benefits that can help cover Invisalign, while others may exclude adult orthodontics or clear-aligner treatment. The carrier name alone does not confirm coverage.
Toothology is in-network with multiple Aetna plan types — our team can help verify your specific benefits before treatment begins.
Using FSA or HSA Funds for Invisalign
If insurance covers only part of your Invisalign cost, you may be able to use FSA or HSA funds for eligible out-of-pocket orthodontic expenses, subject to your account’s rules.
No double reimbursement:
FSA and HSA rules differ:
Check your plan requirements:
Verify Your Coverage in Williamsburg Before Treatment Starts
The best way to understand what your plan may contribute toward Invisalign is to verify your benefits before treatment begins. At Toothology, we can verify your plan and provide a written treatment estimate showing the expected insurance contribution and your estimated out-of-pocket balance.
- HAVE READY BEFORE CALLING
- Your exact dental plan name
- Member ID and group number
- Plan type — employer, Marketplace, or federal
- Any orthodontic benefits you have already used
- TOOTHOLOGY WILL CHECK
- Whether adult orthodontics are covered
- Whether Invisalign is eligible
- Your orthodontic lifetime maximum
- Any waiting period, deductible, or coinsurance
- Whether prior authorization or a pre-treatment estimate is required
$4,000 – $7,000
Toothology typical self-pay Invisalign range, depending on case complexity. Your written estimate will show your expected insurance contribution and the remaining patient balance. CareCredit and Cherry financing available for qualified applicants.
Frequently Asked Questions
Is Invisalign covered by dental insurance?
Does MetLife cover Invisalign?
Does Cigna cover Invisalign?
Does Delta Dental cover Invisalign?
Can I use my FSA for Invisalign?
Potentially. FSA funds may be used for eligible out-of-pocket orthodontic costs not reimbursed by insurance. FSA and HSA rules differ in terms of contribution limits, timing, and rollover — check your specific account rules and any documentation requirements before applying funds to orthodontic treatment.
How much does insurance pay toward Invisalign?
It varies by plan. The amount depends on factors such as coinsurance, lifetime orthodontic maximums, previously used benefits, and whether clear aligners are eligible under your plan. A pre-treatment estimate from your insurer — or benefits verification through Toothology — can show your expected insurance contribution and patient balance before you commit to treatment.
Have MetLife, Cigna, Delta Dental, or Aetna?
VERIFY YOUR INVISALIGN BENEFITS
$4,000–$7,000
TYPICAL SELF-PAY RANGE
In-network with MetLife, Cigna, Delta Dental & Aetna. We’ll check your adult orthodontic coverage and give you a written estimate.
DIRECT LINE
IN THIS GUIDE
IN-NETWORK CARRIERS
Being in-network does not automatically mean your plan covers adult orthodontics. Always verify your specific plan.
TOOTHOLOGY DENTAL
Williamsburg, Brooklyn, NY
Serving Greenpoint, Bushwick, Bed-Stuy & Downtown Brooklyn
718-678-3800
Emergency line available
Open Hours
Mon – Thu: 10:00 AM – 6:00 PM Friday: 10:00 AM – 2:00 PM Sunday: 10:00 AM – 2:00 PM Saturday: Closed
OUR COMMITMENT
- Board-Certified Pediatric Dentists
- Child-Friendly, Anxiety-Reducing Care
- Same-Day Emergency Slots
- Low-Radiation Digital X-Rays
- Most Major Insurance Accepted