I do not know your situation exactly, butI would highly recommend you NOT use Smile Direct nor any cut rate system. This site does not include all companies or products available within the market. SmileDirectClub.com/Pricing/APR-Financing. Once youve got that squared away, youll have a better sense of your total SmileDirectClub price and one step closer to beginning your smile journey. Note: SmileDirectClub wont provide forms to file your claim until after youve paid. Youll have to check with the company and your dentist to find out. Established in 2014, SmileDirectClub is a teledentistry company that provides products and services for straightening your teeth at home. 1 year into SmileDirectClub, is there a reason for this? According to their website, in most cases, SmileDirectClub will coordinate payment directly with the insurance company so you only pay the balance of what you owe after discounts and insurance coverage is applied to the total cost of your treatment. However, some companies might provide a reimbursement instead. If you used SmilePay, the adjustment will be applied to your balance, and any remaining amount will be credited to your debit or credit card. To summarize, even if you have dental coverage with orthodontic benefits, dont assume it will cover SmileDirectClub, or any other orthodontic treatment, for that matter. Essentially, early practitioners of general medicine and dentistry both treated their practices as distinct from each other. For personal advice, please consult with a medical professional. Does insurance cover SmileDirectClub? 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. The journey to a new smile starts by taking impressions of your teeth from the comfort of your home. It is rare for dental insurance to cover orthodontic treatment for adults. Click the button below and enter your zip code to receive a specially curated list of dental plans available in your area. Well send you an email detailing your adjustment and/or refund, which you can verify by checking your bank statement or SmilePay statement. or less for 26months. (May 2019). The number-one reason is age. You shouldnt expect that Cigna will cover your home aligner treatment, but we wouldnt completely rule it out, either. 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. Her goals are to help create original pieces that connect to your reader and drive reviews. But is SmileDirectClub the right choice for you? Insurance plans are notoriously hard to parse, and sometimes, loopholes are buried in the footnotes. Treatment time for SmileDirectClub aligners is 4 to 6 months on average, which is on par with most clear aligner brands. You may be eligible for coverage from your insurance company. Book a free SmileShop appointment or purchase your at-home impression kit for 50% off to get started now. (2012). If youre considering teeth-straightening treatment, youll need to study the details of your plan to get a sense of what you might pay. These benefits include Invisalign and will cover 50% of the providers contracted fee, but the coverage comes with limitations. It's possible that your insurance will cover 50% of your SmileDirectClub treatment. Does Cigna Cover Braces & Clear Aligners? Cigna offers coverage for one type of aligner: Invisalign. Our editorial content is based on thorough research and guidance from the, Partner Offers feature brands who paid Forbes Health to appear at the top of our list. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Health. SmileDirectClub is typically more affordable than traditional braces. Cigna offers individual plans in most states, but we recommend shopping around as other providers may offer more generous orthodontic benefits in your state. Orthodontic Treatment Clear Aligners: How They Work, Popular Brands & Costs SmileDirectClub Review Does SmileDirectClub Accept Insurance? Learn more about how your Teen can get clear aligners through SmileDirectClub. To receive orthodontic coverage from Cigna, you must take out a dental policy that includes it. Its possible that your insurance will cover 50% of your SmileDirectClub treatment. 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. Getting coverage for your SmileDirectClub treatment depends on a few different factors, primarily whether your benefits include teledentistry coverage. How do I find out if my company offers coverage? You can also use HSA or FSA funds, and pay using CareCredit. It might be worth checking if your insurance policy covers clear aligner treatment for adults. This option is best if the denial was because your claim didn't qualify under your plan. Orthodontics is considered extra and requires special coverage that isnt built into every dental plan. It is usually in the fall and coverage starts or changes in the following calendar year. The extent of coverage depends on individual needs as well as age. Or, you can apply for CareCredit, a line of credit with flexible payment plans specifically intended for medical expenses. and no one has considered you At the beginning of treatment a digital plan is provided that outlines the predicted movement of teeth within a certain time frame. Dont worry about submitting your claim well do it directly with . While we do connect people with vetted, board-certified doctors, we dont provide medical consultations, diagnosis, or advice. Even though SmileDirectClub does a preliminary insurance check to see if youre covered, you cant actually receive coverage until youve ordered aligner treatment. As you continue researching and considering teeth straightening treatment, remember that you can get coverage for it, but only under certain circumstances. Insurers are constantly reviewing treatment options and changing their policies based on new research and data. 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. Then there is the issue of in-network vs. out-of-network providers. You arent out of options just yet. Explain what you'd like to do, why you need it, and where you hope to get help. When you factor in the out-of-pocket costs with traditional orthodontics, you may end up paying more for them than you would with at-home aligners, even if insurance will help. Before insurance, SmileDirectClub aligners cost $2,050. The following providers have partnerships with SmileDirectClub: If your insurance provider is not listed here, you must pay full price and request reimbursement from your insurance provider afterward. To make this work, you'd pay the aligner company directly. The photos are reviewed remotely by one of the dentists or orthodontists in SmileDirectClubs network, who use them to confirm your progress and set a cadence for how often you should change to the next set of aligners, usually in the span of one to two weeks. Our partners cannot pay us to guarantee favorable reviews of their products or services, {{ tocState.toggleTocShowMore ? What are reasons adults can be denied orthodontic coverage? SDC also works with registered doctors, dentists, and orthodontists to ensure each treatment case runs smoothly. The American Dental Association reports that the average price for braces in the United States ranges from $5,000-$6,000, or about 59% more than making a one-time payment for the Smile Direct Club. The information on RealSelf is intended for educational purposes only. The Aligner Accessories Every Clear Aligner Wearer Must Have. Your insurance savings are waiting. We can also check for eligibility with Cigna, Humana, Guardian, and many more. But orthodontia is a different ball game. A+ Grade with the BBB. SureSmile is another competitor, known for its customization options. You can use your health savings account (HSA) or flexible spending account (FSA) funds to cover the cost of SmileDirectClub. If your Delta Dental plan is through your employer, you may have the best success asking the designated plan administrator within your company for details. (photo). Its also possible that your insurer will deny your benefits even though you have orthodontic coverage. Choose the payment option that works for you. I reached out to SDC and it took them several more days to send the correct information. Youll need to check with Cigna to find out. At Smile Prep, we strive to make the process as easy as possible for our readers. She is also a registered yoga teacher (RYT-200) and a functional medicine certified health coach. We follow strict sourcing guidelines and each page contains a full list of sources for complete transparency. If the dentist or orthodontist determines that our clear aligners arent the right fit for you, well gladly refund your risk-free impression kit or SmileShop scan. Luckily, I called Cigna to confirm and they told me CIGNA DENTAL WILL NOT COVER SMILE DIRECT CLUB. Comparison does not include added costs, such as retainers, and is limited to mild-to-moderate teeth correction, as braces may treat additional issues. That makes usingat home clear alignersa little difficult. Our website services, content and products are for informational purposes only. When readers purchase services discussed on our site, we often earn affiliate commissions that support our work. ( 20 ) The downside here is that not all employers offer dental insurance, and if yours does, their plans might not be the perfect fit for you. Adults can also be denied coverage because theyve already exhausted their lifetime limits and because their misalignment is cosmetic in nature, not medical. However, patients have reported in online forums that Cigna denied their claims for at-home aligner treatment, even though their plans included orthodontic coverage. After this, see a dentist or two to get quotes for treatment. Its a teledentistry company that sells kits of multiple aligners you wear at home for a recommended amount of time. Keep in mind that this is a rapidly changing situation. 100,000+ Dental Access Points Nationwide. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are as essential for the working of basic functionalities of the website. At-home aligners are strictly remote treatment (save for in-person scans offered by some providers). 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. Many aligner companies will handle this conversation for you. California 2018, Signature Value, Dental 160. Under Cigna Dental 1500, you do not have to pay for preventive treatments as long as you get them from an in-network provider. Others reduce coverage or exclude it because it can only treat cosmetic issues. UnitedHealth has anagreement with SmileDirectClub, and you can use that partnership to pay for aligners. Will you receive coverage for SmileDirectClub treatment? A preliminary insurance check to see if youre covered, you 'd pay aligner... Hard to parse, and orthodontists to ensure each treatment case runs smoothly for eligibility with Cigna you. Connect people with vetted, board-certified doctors, dentists, and pay using CareCredit there a reason this. The information on RealSelf is intended for educational purposes only and where hope... Usually in the following calendar year did n't qualify under your plan are strictly remote treatment ( save for scans. This, see a dentist or two to get quotes for treatment because their misalignment is cosmetic in,! To check with the company and your dentist to find out of what you 'd like to do, you... Different factors, primarily whether your benefits even though you have orthodontic coverage to pay for treatments. Built into every does cigna cover smile direct club plan with Cigna to confirm and They told me Cigna dental will not Smile... 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