Can I use FSA to pay for Invisalign?
Asked by: Edwina Klocko | Last update: October 1, 2025Score: 4.7/5 (51 votes)
Can you use FSA funds for orthodontics?
FSAFEDS allows reimbursement for pre-paid orthodontia expenses, up to the elected amount, regardless of the date of service. The payment must have been made during the benefit period.
What insurance covers Invisalign?
Many Delta group and individual plans cover orthodontics. Invisalign treatment is covered as a standard benefit for all Delta Dental plans that include orthodontic coverage. Delta Dental may cover some orthodontic treatment costs for plans that don't cover orthodontic treatment.
Can I use my HSA to pay for Invisalign?
HSAs provide individuals with a tax-advantaged way to save money for medical expenses. Since Invisalign is considered a qualified medical expense, you can use your HSA funds to cover the cost.
How to afford Invisalign?
- Care Credit. Using a healthcare credit card can offer significant savings and help you cover the costs of dental care, including Invisalign. ...
- Promotional Deals. Orthodontic offices want your business! ...
- Monthly Payment Plans. You do not need to pay the entire cost of Invisalign treatment up-front.
Saving Money On Orthodontic Treatment Using Your FSA or HSA
How do you qualify for free Invisalign?
Charity Initiatives for Orthodontic Care
These charities work by partnering with orthodontic professionals who donate their services to deserving cases. By applying to these programs, eligible participants have the chance to receive free Invisalign treatments, making orthodontic care more accessible to those in need.
Why is Invisalign $5000?
The average cost of Invisalign treatment is around $5,000. Treatment costs can vary based on individual needs and the severity of dental issues. Additional fees for X-rays and follow-up visits may apply. Financing options and dental insurance coverage can help make Invisalign more affordable.
Does my FSA cover Invisalign?
Doctors may also offer financing with low-to-no down payment. Additionally, you can use your FSA or HSA to pay for Invisalign treatment using tax-free dollars. For more information about payment options available with Invisalign treatment, see Insurance and Payment Options.
What are FSA eligible expenses?
Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices. You decide how much to put in an FSA, up to a limit set by your employer. You aren't taxed on this money.
What is the downside of Invisalign?
You must wear aligners 20 to 22 hours per day. One of the biggest drawbacks of Invisalign is that you must wear your aligners for at least 20 – 22 hours a day to be effective.
Why won't insurance pay for Invisalign?
Some insurance plans don't cover clear aligners because they consider it a cosmetic procedure, not a medical procedure. Cosmetic means the procedure is done for beautification purposes only. If Invisalign isn't covered by your insurance, you pay 100% of the costs.
What is cheaper than Invisalign?
Affordability: ClearCorrect often costs less than Invisalign. Discreet: The aligners are clear and virtually invisible. Flexibility: Offers different treatment options to suit your needs and lifestyle. Professional supervision: Your dentist or orthodontist oversees your treatment plan.
How to pay for Invisalign without insurance?
You can also use your health savings account (HSA) or flexible spending account (FSA) to help cover the cost of clear aligners. If dental insurance isn't an option, the CareCredit credit card, which many Invisalign dentists accept, may be another way to pay for copays, deductibles or other out-of-pocket costs.
Can I use my FSA for dental expenses?
You can use funds in your FSA to pay for certain medical and dental expenses for you, your spouse if you're married, and your dependents. You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.
Can you use FSA for gym membership?
But that's not all a Letter of Medical Necessity can do for you. You can even pay for your gym membership with FSA/HSA funds, making it easier than ever to access top-of-the-line equipment like the models we have in our studios.
Is an HSA or FSA better?
Bottom line: Both HSAs and FSAs provide financial benefits for managing health care expenses. HSAs offer more flexibility and long-term growth potential, making them a valuable tool for future financial planning. Learn about HSA options from Aetna.
Is an Apple Watch FSA eligible?
Likely not. While your Apple Watch, Garmin, or other tracker may offer you some insight—and maybe even some encouragement—to stay on top of your fitness routine, they are not typically considered medical devices for purposes of FSA and HSA funds.
Can I use my FSA to buy tampons?
Are Tampons FSA Eligible? Yes! Tampons are now classified as a “medical expense,” making them FSA eligible.
Are air purifiers FSA eligible?
Air purifiers are generally not eligible for reimbursement. An air purifier may be eligible for FSA reimbursement with a Letter of Medical Necessity (LMN) only if you are using it to relieve or alleviate a specific medical condition and you would not otherwise have purchased it.
Can I pay for orthodontics with my FSA?
In most cases, you can use your HSA or FSA for eligible orthodontic treatment. Only the portion of your orthodontic payments not paid by your dental insurance or any other plan may be considered an eligible expense. Both HSAs and FSAs can cover a wide range of orthodontic expenses.
Why is Invisalign so expensive?
However, convenience and effectiveness come at a cost. The price of Invisalign is justified by factors such as extensive research and development, customization through 3D printing, the use of high-quality materials, the professional expertise of a dentist in Devon, ongoing treatment monitoring, and brand recognition.
Is Invisalign considered orthodontics?
So, to answer the question: Invisalign is considered a form of orthodontics. It's an innovative, effective, and aesthetically pleasing solution for correcting dental misalignments. However, the decision should always be made in consultation with a trusted orthodontist to ensure it meets your needs.
What is the failure rate of Invisalign?
Invisalign has around a 96% success rate. The reason for such a high number lies in screening the patients prior to making the custom trays, to make sure Invisalign is truly the right solution for them. Though effective, Invisalign can only treat minor to moderate cases of misalignment or improper bites.
Is 50 Invisalign trays a lot?
How Many Invisalign Trays Are Typical? A patient's Invisalign treatment usually lasts about a year. As a result, most patients go through 20 to 30 Invisalign trays. A patient who requires extensive dental adjustment may require up to 50 trays over the course of treatment.
Can you haggle Invisalign?
A: While it's not common to negotiate the cost of Invisalign, you can inquire about any available discounts, payment plans, or promotions that the orthodontic clinic may offer. It's worth discussing your budget constraints with them to see if any options are available.