February 20, 2023

The Ultimate Guide to Clear Aligners: Does Insurance Cover the Cost?

Are you looking to achieve a perfect smile without the use of traditional metal braces? Clear aligners, a type of orthodontic treatment, may be the answer. These removable, see-through plastic trays gently move your teeth into the desired position, providing the perfect solution for people seeking a discreet smile correction.

However, before you make the decision to proceed with clear aligners, cost is an important factor to have in mind. In this ultimate guide, we will delve into whether or not insurance covers the cost of clear aligners. Read on to become more knowledgeable about clear aligners.

What are Clear Aligners?

Clear aligners are orthodontic devices effective for the treatment of mild-to-moderate dental misalignments. They are transparent, custom-made trays that fit over the teeth, gently applying pressure to move them into the correct position over time.

The treatment involves a series of trays that are designed to fit the contours of your teeth, gradually adjusting to the desired tooth position. They are typically worn for 22 hours a day, only being removed for eating, cleaning or special occasions.

How do Clear Aligners Work?

Clear aligners are a type of orthodontic treatment that work by slowly shifting teeth into the desired position using pressure. The process of creating clear aligners begins with your dentist taking a digital impression of your teeth.

The dentist then plans the required tooth movements and designs a treatment plan. The digital impressions are used to create custom-made aligners that fit perfectly over your teeth.

You will receive multiple sets of clear aligners, with each set designed to move your teeth slightly closer to the final desired position. Regular checkups with your dentist monitor your progress, and new sets of aligners are made as needed. The duration of treatment usually ranges from six months to two years, depending on the complexity of your dental misalignment.

How Much do Clear Aligners Cost?

The cost of clear aligners varies depending on factors such as the complexity of treatment, the number of adjustments needed, and the geographical location of the dental office.

One of the most significant benefits of clear aligners is their affordability compared to traditional metal braces. The average cost of clear aligners ranges from $3000 to $8000, while metal braces usually cost around $4000 to $8000.

The cost can be intimidating for some people, and for this reason, many wonder if insurance covers the cost of clear aligners. We will discuss insurance coverage in the subsequent sections.

What are the Benefits of Clear Aligners?

Clear aligners offer several advantages over traditional metal braces, including:

Clear Aligners are Virtually Invisible

One of the most apparent advantages of clear aligners is that they are virtually undetectable. You can wear them without anyone noticing, which is particularly useful for adults who feel self-conscious wearing metal braces.

Clear Aligners are More Comfortable

Clear aligners are made of smooth plastic, while metal braces’ brackets and wires can irritate the mouth’s soft tissues. The plastic aligners are much more comfortable to wear and cause little to no discomfort.

Clear Aligners are Removable

Clear aligners are removable, so you can take them out while eating, brushing or flossing, and for special events. This makes caring for your teeth much simpler, as food particles don’t get stuck in the wires and brackets, causing tooth decay.

Clear Aligners Require Fewer Appointments

Clear aligners need fewer appointments with your dentist than metal braces. With braces, you need monthly check-ups and adjustments, while clear aligners require check-ups every eight to ten weeks.

Do Insurances Cover the Cost of Clear Aligners?

Most dental insurance providers cover a percentage of the cost of traditional metal braces for children and sometimes adults, but clear aligners are still a new treatment, with limited coverage from most insurance companies.

However, some dental insurance providers offer clear aligner coverage or discounts, so it’s essential to contact your insurance provider and inquire about their orthodontic coverage specifics.

Types of Insurance Coverage for Clear Aligners

Two types of dental insurance coverage for clear aligners are available:

– Comprehensive coverage: This is the most effective type of coverage since it covers a significant percentage of the orthodontic treatment’s cost.

– Cosmetic coverage: This coverage is advantageous to the patient since it lowers the expense of this purely cosmetic procedure.

Criteria for Insurance Coverage

Several criteria are required for dental insurance companies to cover the cost of clear aligners:

– The patient must comply with the insurance provider’s orthodontic treatment guidelines.

– There must be proof of the patient having suffered a dental or facial abnormality.

– The treatment is deemed medically necessary or corrective.

Therefore, when you visit your dentist to discuss clear aligner treatment, they can determine if the procedure is medically necessary and advise you on whether your insurance provider covers the cost of clear aligners.

Are there Other Financing Options for Clear Aligners?

If your insurance provider doesn’t cover the cost of clear aligners, don’t despair. Several financing options are available to make your procedure more affordable.

Payment Plans

Most dental offices provide flexible payment plans, allowing you to make monthly payments for the cost of treatment instead of paying the entire amount upfront.

Health Credit Cards

You can also consider applying for a health credit card, which is specially designed to cover medical expenses, including orthodontic treatment.

Third-Party Financing

Several third-party financing companies expressly provide healthcare financing, including clear aligners. Companies like Care Credit provide flexible payment plans that allow you to spread the cost of treatment over an extended period.

What Should You Consider Before Making a Decision?

Before making a decision, several factors should be taken into consideration.

Complexity of Dental Misalignment

Clear aligners are most effective for mild to moderate cases of dental misalignment. Traditional metal braces may be better suited for more complex dental conditions.

Length of Treatment

The duration of clear aligner treatment can vary, depending on your dental condition’s complexity. Treatment will require a minimum of six months, up to two years. You should be prepared for this commitment before proceeding.

Treatment Cost

As we mentioned earlier, the cost of clear aligners can vary and be expensive. Should you require financing, it’s crucial to understand the different options available.

In Conclusion

Clear aligners are an excellent orthodontic treatment option to correct mild to moderate dental misalignments. The cost of treatment can be high, but it’s worth checking with your dental insurance provider to see if they offer any coverage for clear aligners. If not, several other financing options are available to make the treatment more affordable.


Q1. Are Clear Aligners Painful?

Clear aligners are made from smooth plastic, which is much more comfortable than metal braces’ sharp brackets and wires. However, it is not uncommon to experience mild discomfort or pressure feeling when new aligners are first introduced, but this typically goes away after a few days.

Q2. Can Clear Aligners Correct Bite Problems?

Clear aligners are not suitable for correcting severe malocclusions. However, mild overbite, underbite, or crossbite conditions can be treated with clear aligners.

Q3. Can I Eat While Wearing Clear Aligners?

It is recommended to remove clear aligners before eating or drinking, as food particles can become trapped between teeth and aligners. This can cause plaque buildup and ultimately lead to tooth decay.

Q4. Do I Need to Wear a Retainer After Clear Aligner Treatment?

Retainers are vital after completing clear aligner treatment to maintain the teeth’s new position. Your dentist will provide instructions on how long and when to wear the retainer.

Q5. Can Clear Aligners Straighten Teeth Completely?

Clear aligners can straighten teeth completely, but they may not be sufficient for severe dental misalignments. Dentists will typically recommend alternative treatments like traditional metal braces for more severe cases.

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