Invisalign Reimbursement: Which Insurance to Choose?

Invisalign technology has transformed orthodontics by offering clear, removable aligners that replace metal braces. It is thus possible to correct tooth alignment painlessly and discreetly.

However, this innovative treatment represents a significant cost, ranging between €1,500 and €4,500 depending on case complexity. Fortunately, your supplementary insurance can cover part or all of these costs.

Invisalign Reimbursement by Insurance: Common Practices

While orthodontic care is reimbursed by French Social Security for those under 16 (up to €193.50 per semester), this is no longer the case once this age is exceeded. It therefore becomes essential to turn to your supplementary health insurance to obtain reimbursement.

Insurance companies base their coverage on this €193.50 rate. You then face three possible configurations:

• Percentage reimbursement: The insurance applies a percentage (e.g., 100%, 200%, 300%) on the Social Security base. A 300% reimbursement means coverage of 3 x €193.50 = €580.50 per semester.
• Fixed allowance reimbursement: The insurance allocates a fixed sum per semester or per year (e.g., €400 per semester), regardless of the Social Security reimbursement base.
• Combination of both: Some offers combine a percentage and an allowance.

It is therefore crucial to carefully analyze these calculation methods to select the most advantageous insurance for your situation.

How to Choose Your Insurance for Invisalign Reimbursement?

Faced with the multitude of offers, several approaches exist. If you're comfortable with numbers, you can make your own comparisons. First obtain your practitioner's quote, then calculate the reimbursement offered by your current contract and compare it with others, without forgetting to take into account the amount of monthly contributions.

If you prefer a simpler solution, you can use an online comparator. These tools quickly compare different Invisalign reimbursement offers based on your needs.

As a general rule, for a standard treatment costing between €3,000 and €4,000, it is advisable to opt for insurance offering 300% reimbursement or a substantial annual allowance so that your out-of-pocket expenses are not too high.

Payment Solutions and Calculating Out-of-Pocket Expenses

Don't hesitate to discuss payment facilities with your practitioner. It is often possible to set up a payment schedule adapted to the treatment duration and the monthly payments you can afford.

These facilities can also be adjusted according to the reimbursement your insurance will grant you. Once you have selected an offer, you simply need to deduct the total amount of your insurance's annual reimbursement from the annual cost due to your practitioner. This will allow you to precisely estimate your out-of-pocket expenses.