Can I pay for dental with HSA?
Asked by: Dr. Arno Ebert | Last update: June 16, 2025Score: 4.8/5 (21 votes)
Can I use my HSA to pay for a dentist?
BY Carly Plemons Published on February 01, 2024
Yes, you can use an HSA (Health Savings Account) or FSA (Flexible Spending Account) for dental expenses. These accounts can help you save money on dental care, and in this guide, we'll explain how they work and what dental expenses are eligible.
Can HSA pay for gym membership?
Gym memberships. While some companies and private insurers may offer discounts on gym memberships, you generally can't use your FSA or HSA account to pay for gym or health club memberships. An exception to that rule would be if your doctor deems fitness medically necessary for your recovery or treatment.
What can I use my HSA for Blue Cross Blue Shield?
- Doctor and hospital visits.
- Copays and coinsurance.
- Prescriptions.
- Some over-the-counter medications like pain relievers, allergy relief, cough suppressants, etc.
- Feminine hygiene products.
- Dental and vision care, including prescription eyeglasses.
- Health insurance or medical expenses if unemployed.
Can I buy a toothbrush with HSA?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Understanding Dental Insurance & HSA Funds
What dental expenses are not HSA eligible?
For instance, cosmetic dental procedures such as teeth whitening or veneers are generally not covered by HSAs or medical FSAs.
Can I buy deodorant with HSA?
Deodorant reimbursement is not eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA).
Are tampons HSA eligible?
With the passage of the CARES Act in March 2020, tampons and other menstrual care products are now fully FSA-/HSA-eligible. According to the text of the bill, menstrual care products include, “tampon, pad, liner, cup, sponge, or similar product used by individuals with respect to menstruation…”
Can I buy shampoo with HSA?
Over-the-counter toiletries or personal hygiene items which may include, but are not limited to shampoo, toothpaste, conditioners, hand creams, deodorant, shaving cream, razors, dental floss, body powders, hair gels/sprays, make-up, nail polish accessories, soap, mouthwash, etc., are not reimbursable.
What will HSA not cover?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Is an Apple Watch HSA eligible?
Even though Fitbits and Apple Watches measure important health data, they currently do not qualify for HSA reimbursement, as they are considered for general health use and not intended to treat or manage a specific medical condition.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
Can I use HSA for vitamins?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.
Can I use HSA for massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
Can I use HSA for dental deep cleaning?
Dental cleanings are considered a qualified medical expense under IRS guidelines, making them eligible for HSA reimbursement. This means that if you have a balance in your HSA, you can use those funds to cover the cost of your dental cleanings.
Is sunscreen HSA eligible?
Sunscreen for adults and for kids is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA) under certain conditions. Only sunscreens with SPF 15+ and "broad spectrum" protection are eligible.
What happens if you accidentally use your HSA account by mistake?
After you report the mistake to the custodian, the custodian reports it to the IRS. Reimburse the HSA. If you've mistakenly used HSA funds for nonqualified expenses, you must repay the distribution amount back into your HSA by the tax filing deadline for the year in which the distribution occurred.
Is toilet paper HSA eligible?
Toiletries used for everyday personal use aren't FSA and HSA eligible items. Items like shampoo, toothbrushes, toothpaste, cosmetics and toilet paper are considered personal hygiene products, not medical aids.
Can you buy condoms with HSA?
The answer is yes! HSAs are designed to cover a wide range of qualified medical expenses, and contraceptives such as condoms are no exception. Just like other eligible healthcare expenses, you can use your HSA funds to purchase condoms, whether they are over-the-counter or prescribed by a healthcare provider.
Can you use HSA for bras?
Nursing bras (those that directly aid lactation, such as a hands-free bra used for pumping), are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Is mouthwash HSA eligible?
You can use your HSA to pay for dental cleanings and checkups, along with common procedures such as fillings, root canals, bridges, crowns, and orthodontics. You can't use your HSA for common items such as toothpaste, dental floss, or over-the-counter mouthwash.
Is ibuprofen HSA eligible?
Ibuprofen is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA). Ibuprofen is not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).
Can I use HSA on diapers?
As previously mentioned, diapers are not considered qualified medical expenses under the current IRS guidelines. Therefore, attempting to use HSA funds for diapers may result in penalties or tax liabilities.
Can I withdraw cash from my HSA debit card?
Health Benefits Debit Card – Your HSA Bank Health Benefits Debit Card provides access to your HSA funds at point-of-sale with signature or PIN and at ATMs for withdrawals.
Does skincare qualify for HSA?
Over-the-counter acne and skincare products are now HSA eligible with out the need for a prescription.