Key takeaways
- Invisalign commonly costs $3,500 to $8,000 depending on complexity.
- Orthodontic insurance often has a lifetime maximum around $1,500 to $2,000.
- Payment plans up to 36 months match typical treatment length.
How much does Invisalign cost?
| Case type | Typical cost |
|---|---|
| Minor (express) | $2,000 – $4,000 |
| Moderate | $4,000 – $6,000 |
| Complex | $6,000 – $8,000+ |
What an Invisalign payment plan costs per month
| Invisalign | No-Fee (0%) | EZ Deferred | Standard (19.90%) |
|---|---|---|---|
| Express case · $3,000 · 18 mo | $167/mo | $167 → $187/mo | $194/mo |
| Moderate case · $4,500 · 24 mo | $188/mo | $188 → $219/mo | $229/mo |
| Financed balance · $5,000 · 36 mo | $139/mo | $139 → $176/mo | $186/mo |
For treatment above $5,000, insurance or a down payment covers the difference.
Invisalign vs braces cost
Traditional metal braces often cost slightly less, while ceramic braces and aligners cost more. Both can be financed the same way. See orthodontic financing.
Tips to lower the cost
- Use orthodontic insurance and HSA or FSA funds first.
- Ask whether retainers and refinements are included.
- Ask about the In-House Plan for custom terms with your orthodontist.
What’s usually included
- Initial consultation and digital scans
- All aligner trays for your treatment plan
- Check-up appointments
- Refinement trays, at some practices
- Retainers after treatment, sometimes billed separately
Ask what’s included so your financed amount covers everything.
Financing aligners for a teen
A parent or guardian applies as the account holder and makes the monthly payments. Teen treatment may include replacement aligners if trays are lost, which is worth confirming before you start.
Using HSA, FSA, and insurance together
Orthodontic insurance often pays a lifetime maximum spread across treatment. Combine it with HSA or FSA funds and a payment plan for the remainder. See orthodontic financing for more examples.
Your next step
Check what your monthly payment would be with the Denefits loan calculator, then apply in about three minutes. There’s no credit check, plans run from $200 to $5,000, and 95% of applicants are approved.
Jonathan has 14+ years in consumer finance, including seven years structuring healthcare payment solutions. He holds the CERTIFIED FINANCIAL PLANNER™ certification and reviews every rate, term, and disclosure we publish.