Open enrollment (Sept–Dec) is your once-a-year chance to get orthodontic coverage right. What to check: ortho riders, lifetime maximums, waiting periods, and adult coverage.
Clear aligners are a qualified medical expense for HSAs and FSAs. 2026 limits: HSA $4,400/$8,750, FSA $3,400 — plus the timing traps that cost people their savings.
Most people finance Invisalign. Compare in-office 0% plans, third-party medical credit, and what financing really adds to your total — with worked math examples.
Dental insurance can cover Invisalign, but only through your plan’s orthodontic benefit — typically 25–50% up to a $1,000–$3,500 lifetime maximum. Here’s how to check your plan.