Does cigna insurance cover Invisalign 2023?

Are you considering Invisalign to achieve that perfect smile but unsure if your Cigna dental insurance will cover the cost? Look no further! In this comprehensive blog post, we’ll explore Cigna’s coverage for Invisalign in detail, including their various plans and benefits.

We’ll also provide tips on maximizing your coverage and finding alternative options if needed. With the right information at hand, you can make an informed decision about using your Cigna insurance to help transform your smile with Invisalign.

Key Takeaways

  • Cigna dental insurance plans cover Invisalign and other orthodontic treatments, but coverage may vary depending on the plan and its limitations.
  • To maximize your Cigna coverage for Invisalign, check your plan documents carefully, find an approved provider within the network, negotiate with providers when possible, and utilize flexible spending accounts (FSAs) if available.
  • In-network dentists who accept Cigna’s negotiated rates can help reduce out-of-pocket expenses associated with orthodontic treatment. You should also keep detailed records of all expenses related to Invisalign in case there are any issues with processing a claim down the line.
  • Other alternatives to consider beyond Cigna coverage include discount plans offered by providers or financing options. Make sure to explore all options before deciding on a treatment plan that works best for you.

Understanding Cigna Dental Insurance Coverage For Orthodontics

Cigna offers a range of dental insurance plans that cover orthodontic treatments, including braces and clear aligners like Invisalign.

Overview Of Cigna Plans

Cigna offers a variety of dental insurance plans designed to cater to the diverse needs and preferences of its customers. The plans are tailored to provide coverage for preventive, basic, and major dental procedures that help protect your oral health while minimizing your out-of-pocket expenses.

The DPPO plan provides the flexibility of choosing any dentist or specialist within or outside Cigna’s network while offering higher reimbursement percentages if you use an in-network provider.

DHMO is more restrictive, requiring you to select a primary care dentist from their network who will coordinate all your dental care needs with no annual maximums or deductibles but at potentially lower costs for treatments.

DEPO combines elements from both DPPO and DHMO as it operates within a defined network but does not require referrals for specialists like orthodontists.

Coverage For Braces And Clear Aligners

Cigna Dental Insurance offers coverage for orthodontic treatments including braces and clear aligners. Depending on your plan, you may be eligible for full or partial coverage of the cost of these procedures.

It is important to note that there may be limitations and exclusions within your plan, such as a lifetime maximum amount or out-of-pocket expenses.

Overall, Cigna dental insurance offers comprehensive coverage options for those seeking orthodontic treatments like clear aligners and braces.

Cigna Coverage For Invisalign

Cigna offers coverage for Invisalign, but it’s important to understand the in-network and out-of-network differences, as well as limitations and exclusions.

In-network Vs. Out-of-network Coverage

It’s important to understand the difference between in-network and out-of-network coverage when it comes to your Cigna dental insurance plan. In-network providers have negotiated rates with Cigna, so your out-of-pocket expenses will typically be lower than if you go to an out-of-network provider.

If you choose to see an out-of-network provider for your Invisalign treatment, you may still receive some coverage from Cigna, but it will likely be less than what they would cover for an in-network provider.

It’s always a good idea to check with your plan documents or call Cigna customer service before starting any orthodontic treatment.

Limitations And Exclusions

While Cigna dental insurance plans do cover orthodontic treatments, it is important to understand that there may be certain limitations and exclusions. For example, many plans have a lifetime maximum amount for orthodontic treatment coverage.

This means that once you reach the maximum amount, you will have to pay out-of-pocket for any additional treatment. Additionally, some plans may only cover braces and not clear aligners like Invisalign.

To ensure that you are aware of your plan’s limitations and exclusions when it comes to Invisalign coverage, make sure to review your plan documents carefully and ask your dentist about their experience with handling claims through Cigna insurance.

Coverage For Orthodontic Treatment

Cigna dental insurance offers coverage for orthodontic treatments, including clear aligners and braces. However, the extent of coverage may vary depending on your plan and other factors like your provider’s fee structure.

It’s essential to check your plan documents beforehand to understand what is covered under your policy.

Additionally, out-of-pocket expenses such as deductibles or copayments may apply. So if you’re considering orthodontic treatment with Cigna insurance, it’s important to shop around for in-network providers who accept your plan and negotiate fees where possible to maximize your benefits.

How To Get Invisalign Covered By Cigna

To get Invisalign covered by Cigna, it’s important to check your plan documents, find Cigna-approved providers, and submit a claim – but there are also ways to maximize your coverage and explore alternative options.

Checking Your Plan Documents

Before scheduling your Invisalign treatment, it’s crucial to understand what is included in your Cigna dental insurance policy. As with any insurance plan, coverage for orthodontic treatments may vary based on the type of plan you have.

The first step to determine if Invisalign is covered under your Cigna plan is by checking the terms and conditions listed in your policy documents.

Keeping a close eye on these details will help you make informed decisions regarding treatment alternatives or financing options if necessary.

Finding Cigna-approved Invisalign Providers

To maximize your Cigna coverage for Invisalign, it is crucial to find an approved provider. You can easily search for Cigna-approved Invisalign providers on their website or by contacting their customer service team.

It is essential to do some research and compare the costs of different providers in your area as fees may vary. Some dentists may offer discounts for paying upfront or having multiple treatments done at once.

Negotiating with providers can also help you get the best deal possible while utilizing your dental benefits from Cigna.

Submitting A Claim

Submitting a claim for Invisalign treatment under your Cigna dental insurance can be done easily by following these few simple steps. The first step is to check your plan documents to ensure that the treatment is covered, and what limitations and exclusions may apply.

Next, find a Cigna-approved Invisalign provider in your area. Once you have received treatment, you can submit a claim through Cigna’s website or mobile app, or by mail using a standard claim form.

Maximizing Your Cigna coverage for Invisalign can also involve negotiating with providers and checking plan coverage and limitations regularly. Additionally, utilizing flexible spending accounts (FSAs) if available through your employer can help offset out-of-pocket costs associated with orthodontic treatments like Invisalign.

Maximizing Your Cigna Coverage For Invisalign

To get the most out of your Cigna coverage for Invisalign, you can utilize flexible spending accounts, negotiate with providers, and make sure to check plan coverage and limitations.

Utilizing Flexible Spending Accounts

Another way to maximize your Cigna coverage for Invisalign is by utilizing a Flexible Spending Account (FSA). This is an account that you can set up through your employer, where money is deducted from your paycheck pre-tax and put into the account.

With an FSA, you can save up to 30% on your out-of-pocket costs for Invisalign. For example, if your total cost for Invisalign treatment is $5,000 and you have an FSA with $1,500 in it, you only need to pay the remaining balance of $3,500 out of pocket.

It’s important to note that FSAs are “use it or lose it,” meaning any unused funds at the end of the year will be forfeited.

Negotiating With Providers

If you’re considering Invisalign and have Cigna dental insurance, negotiating with providers can help you maximize your coverage. One way to negotiate is to ask for a discount from the provider if they are out-of-network but still accept Cigna.

Another option is to talk to your dentist about payment plans or financing options that can make treatment more affordable over time. Additionally, doing research on average prices in your area and using this information as leverage during negotiations may also be helpful.

Checking Plan Coverage And Limitations

It is essential to understand the details of your Cigna dental insurance plan when it comes to coverage for Invisalign. Check your plan documents or contact customer service to confirm if you have orthodontic coverage and what the lifetime maximum amount is.

Be aware of any restrictions, exclusions, and out-of-pocket expenses that may apply.

When searching for Cigna-approved providers who offer Invisalign treatment, make sure they are in-network to maximize your benefits. Negotiate with providers on their fee and explore options like flexible spending accounts (FSA) to help cover costs not covered by insurance.

Alternatives To Cigna Coverage For Invisalign

If you don’t have Cigna coverage for Invisalign, there are still other options available to help make the treatment more affordable.

Financing Options

There are several financing options available to those who do not have full coverage for Invisalign with Cigna. Some orthodontic providers offer payment plans that can help you spread out the cost of treatment over a period of time.

Additionally, there are companies that specialize in healthcare financing, like CareCredit, which specifically offers financing options for dental and orthodontic procedures.

Another option is to use a health savings account (HSA) or flexible spending account (FSA) to pay for some or all of your Invisalign treatment costs with pre-tax dollars.

It’s important to note that while financing can make Invisalign more affordable upfront, it may still come with additional interest fees or other charges.

Discount Plans

Another alternative to Cigna coverage for Invisalign is discount plans. These are programs that offer significant savings on dental procedures, including orthodontic treatments like Invisalign.

Discount plans can be a great option if your current insurance plan doesn’t cover the full cost of Invisalign or if you don’t have insurance at all. However, it’s important to note that these plans aren’t insurance and won’t provide coverage for any portion of your treatment costs.

Some popular discount plan options include Careington and Dentemax Plus, which can offer savings of up to 50% off the provider’s fee.

Other Insurance Options

If you’re looking for alternatives to Cigna coverage for Invisalign, there are some other insurance options available. For instance, if you have medical insurance that covers orthodontic treatment, it may also cover clear aligners like Invisalign.

Another option is to consider DHMO coverage for Invisalign. Dental Health Maintenance Organization (DHMO) plans typically offer lower premiums than PPO or indemnity plans but require enrollees to use providers within a network.

It’s important to note that not all insurance options will provide the same level of coverage as Cigna or even cover clear aligners at all.

Understanding Invisalign And Its Benefits

Invisalign provides a comfortable and convenient way to straighten your teeth without the hassle of traditional braces.

How Invisalign Works

Invisalign is a modern orthodontic treatment that uses clear, removable aligners to gradually move teeth into their desired position. The process begins with a consultation with an Invisalign provider who will assess your dental needs and create a customized treatment plan for you.

A series of clear aligners are then created using 3D imaging technology, which are worn by the patient for approximately 22 hours per day for about two weeks before being replaced by the next set in the series.

Over time, these aligners gently shift your teeth into place until they reach their final position as determined by your provider. Invisalign offers many benefits over traditional braces, including more discreet appearance and improved comfort during wear.

Benefits Over Traditional Braces

Invisalign offers several benefits over traditional braces, making it an attractive option for those looking to straighten their teeth. Unlike metal brackets and wires, Invisalign clear aligners are virtually invisible and can be removed when eating or brushing your teeth.

Additionally, Invisalign treatment typically requires fewer office visits compared to traditional braces. With Invisalign, there are no adjustments needed because you switch to a new set of aligners every few weeks.

Plus, the aligners are custom-fit to your teeth using state-of-the-art technology for more accurate and efficient results.


In conclusion, Cigna does cover Invisalign and other orthodontic treatments under certain plans. However, it is important to check your plan documents for coverage limitations and exclusions, as well as utilize flexible spending accounts and negotiate with providers to maximize your benefits.

Remember that there are also alternatives to Cigna coverage such as financing options or discount plans if needed. With the understanding of the benefits of Invisalign over traditional braces, you can make an informed decision about your dental care and insurance needs.

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