Will you receive coverage for SmileDirectClub treatment? However, it is significantly faster than both Invisalign and traditional braces. Since you will need to handle at least part of the process yourself, reaching out on your own may be the most logical choice. Its more affordable than traditional braces and other dental-aligning procedures that an orthodontist does in their office. The claim process might seem intimidating if youve never done it before, but the good news is that Cigna offers instructions on their website. Six Month Smiles typically treats milder cases, so its more often considered a cosmetic procedure, but not always! Insurance plans are notoriously hard to parse, and sometimes, loopholes are buried in the footnotes. There are no credit checks or forms to fill out, so there is 100% approval after your down payment is processed. First, we provide paid placements to advertisers to present their offers. I'm getting mixed info whether or not Smile Direct Club is covered by my insurance. SmileDirectClub is a very affordable option for aligning your bite. This category only includes cookies that ensures basic functionalities and security features of the website. AAOInfo. Once your treatment is complete and your dental professional gives you the green light, you have the option to purchase a set of affordable retainers for $99 from SmileDirectClub that you only need to wear at night. Interested in straightening your teeth at home? Really glad I double-checked so I can make an informed decision. Additionally, its worth noting that the company has been ensnared in multiple legal battles over its product and marketing tactics with organizations including the ADA, and various state dental boards. SmileDirectClub is headquartered in Nashville, Tennessee and operates in the U.S., Canada, Australia, New Zealand, United Kingdom, Ireland, Germany, Austria, Hong Kong, Singapore, and Spain. Sale:$15 impression kit - FREE after return, plus 6 months FREE teeth whitening. And if these policies dont cover traditional orthodontics or preventative dentistry, they wont pay for remote aligners, which even most dental policies classify as cosmetic treatment. Time the start of your SmileDirectClub treatment to use your money before its gone. Consumers can also purchase plans for dental health, including some with benefits involving aligners. You can also use our eligibility tool to find out instantly how much money youllsave. UnitedHealth has anagreement with SmileDirectClub, and you can use that partnership to pay for aligners. You also have the option to opt-out of these cookies. This website uses first and third party non-essential cookies to analyse how you use our website so we can tailor advertising to you (in our website and on others). thank you. What if youre ready to get started with braces or aligners, but your current insurance plan doesnt cover the treatment you want? The most popular at-home clear aligner kits can be found right here: Learn about the different brands and what they offer. Last updated on January 3, 2023 Leave a Comment. Information provided on Forbes Health is for educational purposes only. Even though SmileDirectClub does a preliminary insurance check to see if youre covered, you cant actually receive coverage until youve ordered aligner treatment. What Does Dental Insurance Usually Cover? SMD says yes, my insurance says no. Cigna offers coverage forone type of aligner: Invisalign. Meanwhile, SmileDirectClub currently costs no more than $2,500 (for either the nighttime aligners or the standard aligners). Established in 2014, SmileDirectClub is a teledentistry company that provides products and services for straightening your teeth at home. You can use them to pay for any qualifying medical or dental expenses. You can also call them to check with them directly. Theyre more convenient than traditional treatment, but also more affordable $1,200$2,500 on average. According to Healthcare.gov, you may request an internal appeal (a re-review by the insurer) within 180 days or an external appeal (a review by the state) within four months. SmileDirectClub accepts FSA and HSA. Adjustments are processed immediately. Before you can get that new smile we need you toagree to our recently updated legal disclaimers. Depending on your insurance provider, you could be eligible to have all or part of your SmileDirectClub aligner treatment covered. Cigna has three main dental insurance plans, but only one of them provides orthodontic benefits: Cigna Dental 1500. This is the period each year when you can enter into, modify, or cancel an employer-sponsored insurance policy. Getting coverage for your SmileDirectClub treatment depends on a few different factors, primarily whether your benefits include teledentistry coverage. But is SmileDirectClub the right choice for you? View our top recommendations. Why are some insurers hesitant to cover online aligners? SmileDirectClub doesn't guarantee you'll get reimbursed. How long will it take for me to receive my credit? Our partners cannot pay us to guarantee favorable reviews of their products or services, {{ tocState.toggleTocShowMore ? Founded back in 2014, SmileDirectClub is the oldest at-home clear aligner company, offering completely remote treatment monitoring. Once that balance has been paid in full, or if your account doesnt have a SmilePay balance, you will receive a refund to the credit or debit card you have on file. That means also knowing right away how much if anything youll need to pay out of pocket. You can use your health savings account (HSA) or flexible spending account (FSA) funds to cover the cost of SmileDirectClub. A+ Grade with the BBB. Available for shopping during Open Enrollment (Nov 1-Dec 15, in most states) Typically, the total treatment time for SmileDirectClub aligners is four to six months. On October 21, 2020, I was informed by my Dental insurance, Cigna, that SDC provided incorrect information (Dentist's tax ID and license number) and would not return their requests for the information. These benefits include Invisalign and will cover 50% of the providers contracted fee, but the coverage comes with limitations. Factors impacting price include everything from the complexity of your case to where you live. Clear aligner therapy through SmileDirectClub's teledentistry platform is covered by Aetna, UnitedHealthcare, Cigna, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, and Empire BlueCross . Second, its not as widely covered. Suspended, Aligners caused gap between teeth? Our website services, content and products are for informational purposes only. You'll pay more for care than you would if you stayed in the network, but Humana will help to pick up some of the tab. If you want to use your FSA funds, remember that they expire each year they dont roll over like they do with an HSA. Cigna offers quality plan options, personalized support, and low costs. When you arent seen in person, certain rare complications can be missed. Yes, children and teenagers are more likely to receive dental insurance coverage for clear aligner treatment, while adults usually have to pay out of pocket. If you need further orthodontics after that, you may not have support from your dental insurance company. the high cost. Even when it is, it comes with special considerations. But how the plans work and what youll pay can vary greatly. Companies that offer doctor-supervised, direct-to-consumer aligners don't fit nicely into the Kaiser Permanente model. If they still deny, you can submit the appeal to an independent state or federal government body. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Online teeth alignment services now make it possible to align your teeth for a fraction of the cost of braces or Invisalign. Guide to Types and Costs of Braces. Smile Direct Club is a type of at-home clear aligner, so treatment can be done remotely, with in-person assistance at a SmileShop if needed. If my policy doesnt include orthodontic coverage, can I add it on as a rider? What makes some insurance companies hesitant to cover at-home aligners? No, there are still quite a few dental insurance providers that are resistant to covering remote aligners and teledentistry at large. What are reasons adults can be denied orthodontic coverage? cigna Dental customer Service 1-800-367-1037 (ttY: 711) Monday-Friday, 8:00 am-6:00 pm 856164 e 06/16 INT_16_43694 intrODUctiOn thank you for your interest in the cigna Dental care plan The monthly premium for the optional Dental Care Plan is $20 for Cigna-HealthSpring Preferred and Cigna-HealthSpring Achieve Plus customers. It is rare for dental insurance to cover orthodontic treatment for adults. I have Cigna PPO dental insurance that provides up to 50% of ortho care but Cigna says at home treatment plans are not eligible, only licensed ortho offices are covered. Shame on SDC for giving false information because I'm 100% sure they were already aware of this. Finally, some insurance providers simply see at-home aligners as illegitimate orthodontic treatment. Standard braces are usually around $4,000$6,000, but options like self-ligating and lingual braces can cost more than $10,000. SmileDirectClub accepts most major insurance coverage. This includes how much orthodontic treatment will be covered and for how long. Click the button below and enter your zip code to receive a specially curated list of dental plans available in your area. * Representative of average SmileDirectClub customer with orthodontic insurance coverage. Whether or not your insurance will step in to help pay for SmileDirectClub, if you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you might be able to use the funds to cover treatment costs. Additionally, theres a $1,000 lifetime maximum per person. Voted #1 in Ethics by Dallas Morning News. SmileDirectClub accepts payments from FSA and HSA accounts. I have Cigna PPO dental insurance that provides up to 50% of ortho care but Cigna says at home treatment plans are not eligible, only licensed ortho offices are covered. SmileDirectClub provides an eligibility-checker tool on their website to determine if your plan includes adult orthodontic coverage. You can also contact your insurance provider directly for clarification. . Easy and affordable, give your teen a lifetime of confidence at home. If your insurance plan includes dental, they may reimburse the policyholder and dependents for orthodontics including Smile Direct Club. If you work with an at-home aligner company, you might get some assistance. When you enroll in a Cigna dental insurance plan, you get coverage for a variety of dental treatments, which should inspire some confidence when scheduling office visits. Just like Invisalign, braces are only covered under the Cigna Dental 1500 plan, not the Cigna Dental 1000 or Cigna Dental Preventive plans. Your email address will not be published. To make this work, you'd pay the aligner company directly. Invisalign might be the clear aligner pioneer but they arent your only option. 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