“Does Byte take insurance?” This question comes to the mind of almost anyone considering Byte aligners. If you’re one of those people, you might want to stick around.
Today, invisible aligners are becoming a widely accepted option for straightening your teeth. Best of all, some companies of clear aligners even take insurance. This has made such treatments more affordable and accessible. But there’s a lot that you need to know first.
In this article, we’ll provide you with detailed information on insurance coverage for Byte’s treatments and more. So, keep reading!
So, Does Byte Take Insurance?
The short answer is yes, it does. Without insurance, it’ll cost you $1,895 for Byte’s standard treatment while $2,245 for night treatment. You can use your insurance to cover Byte treatment expenses, provided your insurance plan covers orthodontics. You can even use your FSA (Flexible Savings Account) and HSA (Health Savings Account) to pay for the treatment.
Like other invisible aligner companies, Byte files a claim for you to check if you’ll receive any reimbursement. It’s also worth mentioning that Byte has a partnership with top insurance companies like Guardian, Aetna, and Anthem.
Even if your provider is different, they might cover your treatment. However, there are some companies that are less likely to cover invisible home aligners. Fortunately, this situation is constantly changing. Most insurers have already updated or are updating their policy at present for home-based teeth alignment treatment coverage.
Will Standard Health Insurance Cover Orthodontic Treatments?
No, your standard health insurance won’t cover your orthodontic treatments. This is especially true when you’re considering traditional dental treatments like braces or remote options like Byte.
Dental insurance plans and health insurance plans are not the same. As such, insurance will only cover medically necessary treatments on your jaw and face. It won’t cover routine fillings, cleanings, and dental work.
And if it doesn’t cover routine dental care, it most certainly won’t cover for home teeth straightening. That’s because At-home teeth alignments are considered cosmetic procedures. Therefore, if you only have a standard health insurance plan, you’ll have to pay the total amount.
What does Dental Insurance Cover?
You can pair dental insurance with your standard health insurance for covering preventative care (semiannual cleanings) and various routine procedures.
Sometimes your dental insurance might even include orthodontic benefits, which is what you need to focus on.
Orthodontic benefits typically have a lifetime coverage limitation instead of an annual limit. Hence, if you require long-term or extensive treatment, you may run out.
Additionally, orthodontic benefits could only cover 50% of your treatment expenses till your lifetime limit. Some dental benefits even require you to wait a certain period before you can use them.
Just remember not to assume that your orthodontic insurance plan will cover any dental treatment, including Byte. Byte certainly makes it simpler thanks to their partnership with different insurance companies. However, it’s critical that you learn more about the details of your plan. Also, work with Byte and see if you qualify for coverage.
How Do I Know If I Have Coverage?
Visit Byte’s official site and go to their insurance page. Once there, you’ll find the option called “Check Coverage.” Provide your email id, and a number of pages will pop up. You’ll have to enter details about your insurance plan. After providing the information, Bye will do the needful and check if your plan covers their treatment.
Just remember that even if Byte informs you that you’ll receive coverage, your insurer can still reject the request. Like any dental or medical insurance claim process, your provider can deny the claim at first for several reasons. Nonetheless, if such a situation arises, consult Byte about it, and they’ll handle everything on your behalf.
How to Claim My Insurance Benefits?
First and foremost, you have to check on your coverage, which is also the easiest step. However, the more time-consuming and complicated step is when you have to file an insurance claim. But with Byte, there’s no need to worry about this process. They’ll manage all your claim paperwork and all you need to sign & date it.
Paperwork error is one main reason why insurers deny claims. However, since Byte’s professional insurance team will take care of yours, there won’t be any room for error. Additionally, the process becomes much more straightforward for insurance companies that Byte is partnered with already.
What About FSA & HSA?
Both FSA and HSA allow one to contribute their pretax incomes to their medical expenses. They’re also a feasible financing option for your treatment from Byte. Regardless of whether you qualify for insurance coverage or not, this can help cover your treatment cost.
You can utilize your HSA and FSA accounts to purchase aligner treatment, impression kits, and post-treatment retainers. If you have linked the account to your debit card, you can use it like any other card. If not, simply reach out to Byte, and they’ll help you with the process. If you have insurance and an HSA or FSA account, you can use them both to pay for your treatment.
How to use my HSA/FSA for Byte?
If you have linked your HSA/FSA account to any major debit card, Byte can take the payment upfront via your card. If it’s not tied, they can assist you with the reimbursement receipt once you pay for the aligners.
What happens if I’m not an eligible candidate?
If Byte determines that you aren’t an eligible candidate, the same policy will apply to you. Byte will refund the money to the account used for payment.
How to order if the benefits of FSA expire at the year-end?
In such a case, Byte will allow you to buy your impression kit along with the aligner system to avoid losing your dollars.
As you can see, it’s very much possible to cover your at-home dental treatment with your insurance. Also, based on your specific plan and insurance provider, you might even get 100% coverage! Whatever the case, you don’t need to worry. Byte will help you through the whole process and even handle all the tough paperwork.