If you're considering clear aligners to correct your smile, one of the first questions that likely comes to mind is, "Will my insurance cover the cost?" Clear aligners offer an effective, nearly invisible way to straighten teeth. However, coverage for this orthodontic treatment under dental insurance can vary depending on several factors.
Whether clear aligners are covered depends on your specific dental or health insurance plan. Traditional dental insurance plans often include coverage for orthodontic treatments like braces, but clear aligners may not always be included. For instance, some plans might cover only a portion of the cost, while others may exclude orthodontics entirely.
Insurance companies often distinguish between orthodontic procedures performed for medical reasons and those done for cosmetic purposes. If your orthodontist can prove that the clear aligners are medically necessary—perhaps to correct a severe bite issue or other dental health concerns—your chances of receiving coverage improve. Cosmetic treatments purely for aesthetic reasons are less likely to be covered.
Many insurance policies include age restrictions on orthodontic coverage. Children and teenagers are more likely to be covered for orthodontic treatments like clear aligners than adults. However, some insurance plans are starting to expand coverage to adult orthodontics, though this may come with higher premiums or deductibles.
If your insurance does offer orthodontic coverage, it’s important to be aware of any coverage caps. Many plans will have a lifetime maximum for orthodontic benefits, meaning that after reaching a certain limit, the insurance will no longer cover additional costs. For instance, if your plan caps orthodontic benefits at $2,000, but your clear aligners cost $4,000, you would be responsible for the remaining $2,000.
To avoid surprises, you should contact your insurance provider directly to confirm whether clear aligners are covered under your plan. Be sure to ask:
If your insurance doesn’t fully cover clear aligners, don’t worry—there are still ways to make the treatment affordable. Many orthodontists offer financing plans or monthly payment options to spread out the cost of treatment. Some clear aligner companies also provide financing directly through partnerships with third-party providers.
While insurance coverage for clear aligners isn’t guaranteed, it's worth exploring your policy details and contacting your provider to understand your options. Knowing what is and isn’t covered can help you budget for the treatment and make an informed decision about your orthodontic care.
