If open enrollment is coming up, that means you have the opportunity to adjust your medical benefits and maximize savings on healthcare like Invisalign® treatment.
Here are a few ways your benefits could help you pay for your dream smile.
Contribute to an FSA or HSA.
FSAs, or flexible spending account, and HSAs, or health savings account, both let you set aside pre-tax dollars to pay for qualifying healthcare costs, including Invisalign treatment.
The maximum amount is adjusted every year, but both types of accounts generally allow you to accumulate up to a few thousand dollars. HSAs, which are generally offered when you enroll in a high-deductible insurance plan, usually allow for even more than FSAs. It’s also important to be aware that while HSA dollars roll over annually, FSA dollars expire at the end of the year—so if you choose a plan that allows you to open an FSA, make sure you “use it or lose it!”
Whether or not you’ll have an FSA or HSA depends on which medical plan you choose during open enrollment, so keep it in mind when you review your options.
Get dual coverage through your and your spouse’s employers.
Did you know it’s possible to get dual dental coverage if you’re covered by both your dental plan and your spouse’s? Dual coverage doesn’t always double your coverage dollar-per-dollar, but it can help reduce the cost of dental or orthodontic treatment, including teeth straightening.
Use dual coverage to get Invisalign treatment for your child.
Dual coverage can also help reduce costs for Invisalign treatment for teens or kids. Sometimes, two parents both have separate insurance plans that allow for dual coverage for their child.
Here’s a real-life patient example:
