Can I Use My HSA at the Dentist?

January 29, 2019

Money jarIf you’re like many Americans, you probably use your health savings accounts (HSAs) to pay for necessary medical expenses, prescriptions or health related purchases like hearing aids. But did you know you can also use your HSA for dental expenses as well?

To make the most of your HSA at the dentist office, keep reading to find out what’s covered and what’s not.

HSA vs. FSA: The Differences

For long term planning, an HSA helps you to save for health expenses you may have after retirement. They work similar to Roth IRAs with rules about how you can withdraw and use the money.

For short term expenses, flexible spending accounts (FSAs) are a good option. They are similar to HSAs but have one big thing that sets them apart: if you don’t use it, you lose it. Meaning all the money in your FSA by the end of the year needs to be used, otherwise it gets taken away. Definitely keep this in mind when choosing from either option!

Using Your HSA or FSA at the Dentist

Many dental procedures and expenses are covered under HSAs and FSAs, but some, like those that fall under the cosmetic dentistry umbrella, are not. Treatments that are covered include:

  • Braces
  • Dentures
  • Sealants
  • Fluoride Treatments
  • Teeth Cleaning
  • X-Rays
  • Extractions
  • Fillings

Some dental procedures that are not covered by your HSA or FSA include:

  • Non-Medically Necessary Cosmetic Surgery
  • Teeth Whitening

If you’re not sure about a specific dental procedure, feel free to ask us!

Learn More About HSAs and FSAs

If you want to learn even more about HSAs, have a question about your own or are wondering if you’re eligible for one, click here. To learn more about FSAs, click here.

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