Does Cigna cover Invisalign is a common question among people who are interested in clear aligners as an option for orthodontic treatment and wonder if Cigna covers the cost of Invisalign. While many people prefer invisalign because it appears to be a more discreet and comfortable alternative to metal braces, this also comes with a major price difference without help from insurance companies.
If you are able to determine if your plan has coverage for Invisalign, you will have a much clearer idea of how you can budget your dental expenses this year. Because of differences between dental plans, how long clients have access to their specific plans, and if your Invisalign treatment is being done for cosmetic purposes or to treat a medical condition, coverage for this treatment can vary widely.
To assist you with determining your eligibility for Cigna dental insurance coverage of Invisalign, we are going to outline the details of your dental plan, including the benefits of the PPO plan, the eligibility requirements for adults, and the estimated savings.
Does Cigna Cover Invisalign Under Dental Insurance Plans?
Does Cigna cover Invisalign under dental insurance? In most cases, the answer to this question will be yes but there are some types of Cigna plans that do not cover the use of Invisalign aligners. Overall, Cigna classifies Invisalign as an Orthodontic Procedure which means that it would be included under the orthodontic benefits of dental insurance through Cigna. In the case you’ve chosen a Cigna dental plan providing coverage for orthodontic treatments, Cigna will likely also provide coverage for using the aligners in conjunction with certain types of braces. Coverage may be less than complete and may have a max lifetime limit for the use of aligners.
Factors Influencing Coverage Of Your Invisalign Treatment By Cigna: Below, please see the most significant factors that affect how much coverage you receive for your treatment using the aligners aesthetic braces:
- The specific type of Cigna plan you selected
- Whether or not there are orthodontic benefits available on your plan
- How old is the policyholder
- Medical necessity of your treatment
Cigna Dental Invisalign Coverage Details
Does Cigna dental cover Invisalign? Some Cigna Dental Insurance policies provide Orthodontic Benefits so you could use the Orthodontic Benefits that may be available for Invisalign usage. If you do not have an Orthodontic Benefit, the plan will not cover Invisalign.
If Cigna covers Invisalign, it will reimburse you from 25% – 50% of your total costs based on a set lifetime maximum that can vary from $1000 – $3000, as dictated by the plan.
As always, it is essential that you read your policy documents before receiving any type of treatment.
Invisalign Coverage for Adults With Cigna
Does cigna cover invisalign for adults ? Only specific Cigna plans offer coverage for adult treatment. Many basic dental plans limit orthodontic benefits to children & teens, while some employer-sponsored plans, as well as premium plans, are available with an adult coverage option. If coverage is available, adult members will be responsible for paying:
1. More out-of-pocket cost
2. Reduced percentage of reimbursement
3. Lifetime limitations on orthodontic benefits
It is very important to check if you qualify for adult treatment prior to starting the Invisalign process.
Cigna Dental PPO and Invisalign Benefits
Does Cigna dental PPO cover Invisalign? Cigna Dental plans that are Preferred Provider Organizations (PPO) tend to be more flexible and, therefore, more likely to include coverage for Invisalign within the orthodontic benefits than other types of dental plans.
Through Cigna Dental PPO plans, you may:
- Select from either in-network or out-of-network orthodontists
- Get partial coverage for Invisalign
- Get an estimate of the cost of the treatment prior to having it performed
Compared with Cigna Dental DHMO plans, PPO plans generally provide a higher level of coverage for Invisalign.
Invisalign Coverage Through Cigna PPO Insurance
Does Cigna PPO cover Invisalign? Most forms of Cigna PPO treat Invisalign the same way traditional braces do. If your dental plan has orthodontic benefits, those orthodontic benefits likely include treatment with an Invisalign.
However, the amount of coverage will still depend on:
- Lifetime orthodontic maximums
- Restrictions based on your age
- Pre-Auth requirements
All forms of PPO are not identical and will need to be reviewed by the individual to know if they have orthodontic benefits for treatment with an Invisalign or not.
How Much Does Invisalign Cost With Cigna Insurance?
On average, the cost of getting Invisalign treatment ranges between: (i) $3,000 to (ii) approximately $7,000 However, should you utilize Cigna for payment, your actual expense may be reduced based on your deductible, co-insurance, and coverage maximums.
You still might have out-of-pocket expenses related to the following:
- Deductibles
- Co-payments
- Costs exceeding your lifetime maximum
Partial coverage makes the treatment more affordable for many clients.
Invisalign Coverage by Cigna Plan Type
| Cigna Dental Plan | Invisalign Covered | Adult Eligibility | Coverage Level |
| Cigna DHMO | No | No | 0% |
| Cigna Dental PPO | Yes (Partial) | Sometimes | 25%–50% |
| Employer PPO Plan | Yes | Yes | Up to Plan Limit |
| Individual Dental Plan | Limited | Rare | Varies |
Steps to Confirm Invisalign Coverage With Cigna
To determine whether your Cigna Insurance Plan provides coverage for the cost of Invisalign braces, you should:
1. Look at your Dental Benefits Summary.
2. Check if your plan has Orthodontic Coverage.
3. Reach out to Cigna (customer service).
4. Have your Orthodontist submit a “pre-treatment estimate” to Cigna.
Please be aware this process may help prevent later denial of your insurance claim.
Conclusion
Does Cigna cover Invisalign? This is based on your dental insurance plan (PPO), age and if you are eligible to use Invisalign. A number of the PPO plans available through Cigna provide a partial benefit for Invisalign, however; there are restrictions on the benefit and exclusions to consider.
It is important that, prior to starting treatment with the Invisalign system, you understand your Cigna Insurance orthodontic coverage (i.e. deductibles/coinsurance/etc.), the coverage limits, and which provider you will be utilizing. Understanding your Cigna orthodontic benefit will provide you with an idea of how to manage your expenses and help you to make an educated decision about whether to commence orthodontic treatment with the Invisalign system.
You might be interested in learning about does Cigna cover wegovy? We have made an informative article on this topics as well.
Frequently Asked Questions (FAQ’s)
1. Does Cigna insurance cover Invisalign for cosmetic treatment?
No, Invisalign used only for cosmetic reasons is typically not covered.
2. Does Cigna dental PPO cover Invisalign for adults?
Some PPO plans do, but adult coverage depends on the specific policy.
3. Does Cigna cover Invisalign the same way as braces?
Yes, Invisalign is usually treated the same as traditional braces.
4. Does Cigna dental cover Invisalign for children?
Yes, coverage is more common for children under orthodontic benefits.
5. Is pre-approval required for Invisalign with Cigna?
Yes, most Cigna plans require pre-treatment authorization.
