Are dental aligners covered by FSA?
Asked by: Leone Wilkinson | Last update: July 20, 2025Score: 4.2/5 (40 votes)
Can you use FSA for aligners?
Yes! Invisible Aligners for teeth straightening are an orthodontic service, which is covered by most of HSA & FSA accounts.
What dental services are not covered by FSA?
Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA. However, if a patient needs orthodontics for medical purposes, they might be allowed to use their FSA funds. Our dental team can work with your plan provider to determine coverage.
Can I use my FSA for Smile Direct Club?
Smile Direct Club also accepts HSA, FSA, and CareCredit. Depending on your insurance, your plan may or may not cover a portion of your treatment cost from Smile Direct Club.
Are clear aligners covered by insurance?
It depends on your dental insurance plan. Some plans may cover Invisalign treatment the same way they cover other orthodontic treatment —they pay for a certain percentage or a certain dollar amount. To find out if you're covered, contact your dental insurance provider and ask about your orthodontic benefits .
Saving Money On Orthodontic Treatment Using Your FSA or HSA
What is the average cost of aligners?
On average, you can expect to pay between $1,800 and $3,000 for professional treatment with clear aligners.
How do you qualify for clear aligners?
- You Have All Adult Teeth. All your adult teeth must be in place to qualify for clear aligners treatment. ...
- Good Oral Hygiene. Sustaining excellent oral hygiene is paramount while using clear aligner trays. ...
- Mild Dental Issues. ...
- Don't Smoke.
What dental work is FSA eligible?
When it comes to using an FSA for dental expenses, reimbursement rules generally follow the deduction rules as spelled out in IRS Publication 502. The basic guideline is that anything that treats or prevents a dental disease is eligible for FSA coverage: Teeth cleaning. Fillings and sealants.
Does FSA cover gym membership?
But that's not all a Letter of Medical Necessity can do for you. You can even pay for your gym membership with FSA/HSA funds, making it easier than ever to access top-of-the-line equipment like the models we have in our studios.
What is cheaper, Invisalign or Smile Direct?
Cost Comparison
Many patients want to compare the price of orthodontic treatment before committing to a plan. Invisalign costs more, with the average treatment starting at $3,000. Smile Direct Club's invisible aligners start at $1,850.
Is deodorant FSA eligible?
For example, daily care products, like Vaseline, toothpaste, and deodorant, are not FSA-eligible expenses. Gym memberships and health insurance premiums aren't eligible either. It's possible that you may accidentally purchase a nonqualifying expense with your FSA funds.
Are tampons FSA eligible?
Feminine hygiene products: Pads, liners, and tampons all qualify as FSA-eligible expenses. The end of the year is a good chance to stock up if you need to. Pain relievers: Over-the-counter pain medications such as Aleve, Tylenol, and generic versions of the drugs are available for purchase through FSA funds.
Does FSA cover toothbrushes?
Brush-Up on FSAs and HSAs
However, current law does not recognize certain oral healthcare products — such as manual toothbrushes, electric toothbrushes, water flossers, mouthwash, or OTC anti-cavity toothpaste — as “qualified medical expenses.”
Does FSA cover byte aligners?
We also have a team of experts who can help find ways to shrink your out-of-pocket cost. Have an FSA or HSA account? You can take advantage of those pre-tax savings, too.
How to afford Invisalign?
- Care Credit. Using a healthcare credit card can offer significant savings and help you cover the costs of dental care, including Invisalign. ...
- Promotional Deals. Orthodontic offices want your business! ...
- Monthly Payment Plans. You do not need to pay the entire cost of Invisalign treatment up-front.
Can you use FSA for Botox?
Botox for treatment of a medical condition may be eligible, but requires a letter of medical necessity signed by your doctor along with a detailed receipt, according to the Federal Flexible Spending Account Program website.
Are Apple watches FSA eligible?
Likely not. While your Apple Watch, Garmin, or other tracker may offer you some insight—and maybe even some encouragement—to stay on top of your fitness routine, they are not typically considered medical devices for purposes of FSA and HSA funds.
Is Planet fitness FSA eligible?
Can you use flexible spending account (FSA) funds to pay for a gym membership or exercise classes? Typically, no. The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms.
Can FSA pay for glasses?
Yes! You can use your FSA funds for eye exams and prescription glasses. You can also use them for prescription contact lenses. And prescription sunglasses are FSA-eligible, too.
Can I pay for Invisalign with FSA?
Doctors may also offer financing with low-to-no down payment. Additionally, you can use your FSA or HSA to pay for Invisalign treatment using tax-free dollars. For more information about payment options available with Invisalign treatment, see Insurance and Payment Options.
Can I use FSA for massage?
Pay with Your FSA or HSA: Once you have the prescription, you can pay for your massage therapy directly with your FSA or HSA debit card. If your provider doesn't accept these cards, you can pay out of pocket and submit a claim for reimbursement.
Is sunscreen FSA eligible?
You can use your flexible spending account (FSA) to buy broad-spectrum sunscreens with a minimum SPF of 15 using pretax dollars. A variety of items that offer sun protection, including lip balms, lotions, and moisturizers, might also qualify for these funds. Many FSA plans offer debit cards to make using funds easier.
What disqualifies someone from Invisalign?
Active gum disease and untreated cavities can disqualify you from Invisalign eligibility.
How much do aligners cost?
The cost of teeth aligners in India can vary depending on the complexity of the case and the type of aligners used. On average, the cost of teeth aligners can range from INR 45,000 to INR 90,000. The cost can also vary based on the experience of the orthodontist, the location, and the materials used.
How do you qualify for free Invisalign?
Charity Initiatives for Orthodontic Care
These charities work by partnering with orthodontic professionals who donate their services to deserving cases. By applying to these programs, eligible participants have the chance to receive free Invisalign treatments, making orthodontic care more accessible to those in need.