How much EXACTLY does my insurance cover for my Invisalign?

My invisalign treatment will cost $6500. My insurance will cover "50% with estimated benefit of $3250". There's also a "lifetime maximum of $1500". So what do these numbers mean? Will they cover 3250 or 1500?

Doctor Answers 1

Insurance coverage

We think of insurance as a policy that shoulders a significant part of the costs we incur whether from injuries, losses, or major medical expenses. Dental "insurance" does not fit that general description. The first dental insurance coverages did and averaged $1000 benefit per year for auto workers in 1968. Almost 50 years later that $1000 would be worth about $7000 benefit per year today.

Today the average dental insurance policy tops out at $1200-1500.

From your description it would look like your policy will pay a total lifetime benefit of $1500 for your orthodontic treatment. Better than nothing but definitely not 50% of the total. 

probably not the news you wanted but I hope that helps

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.