Can I use my HSA for cosmetic dentistry?
Asked by: Prof. Ted Haley | Last update: October 22, 2025Score: 4.1/5 (52 votes)
Can I use HSA for cosmetic treatments?
Unfortunately, no. Procedures like facials and microderm abrasion that are deemed cosmetic are also seen as not medically necessary and are therefore, do not qualify for HSA use.
Can you use HSA for veneer?
If you are getting veneers just to enhance your smile, you will not be able to use your HSA. However, if your dentist recommends veneers to repair damage from an accident or a disease – like celiac or gastroesophageal reflux disease (GERD) – then it may be eligible.
Can you use your HSA for dental procedures?
You may already know that an HSA or FSA can be used for things like dental visits and crowns. But did you also know they can be used toward braces and other orthodontic work? It's true. FSAs and HSAs can help employees get reimbursed for a wide variety of dental treatments for themselves and their family.
Can HSA be used for dental implants?
Can I use an HSA or FSA for a dental implant? Yes, if it's used to treat a dental disease or any other medical purpose.
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 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.
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.
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 HSA be used for Invisalign?
Straighten Your Smile and Save: Yes, You Can Use Your FSA or HSA for Braces or Invisalign!
Is cosmetic dentistry HSA eligible?
Generally, it can be used for anything that is a necessary medical treatment. This means you can use your HSA for most medical, dental, and vision care expenses. However, cosmetic procedures do not usually make the cut, unless they are medically necessary or for restorative purposes.
How much do veneers cost?
During your initial consult, we will go over all the details of your treatment plan, including the full cost of your procedure. We want you to be comfortable, confident, and well-informed about your options. On average, porcelain veneers cost between $1,850 and $2,350.
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.
Can HSA be used for fillers?
The IRS determines what medical expenses are eligible for HSA funds, and while fillers are primarily seen as cosmetic, there are instances where they can be considered medically necessary and therefore eligible for reimbursement from your HSA.
Can HSA be used for mommy makeover?
Can I Use an HSA or FSA To Pay for Mommy Makeover Surgery? Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow patients to save their pre-tax dollars for use on qualified medical expenses. However, like with insurance, cosmetic surgery typically does not count as a qualified medical expense.
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 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).
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 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).
Can you use HSA for gym membership?
Gym memberships are generally not considered qualified medical expenses under IRS guidelines. While physical fitness is important, gym memberships are typically viewed as personal or recreational expenses rather than a medical necessity. So using HSA funds for them could result in taxes and penalties.
Does HSA pay for Botox?
Can you use HSA funds to pay for Botox? If you're using Botox for cosmetic purposes like reducing wrinkles or fine lines, it's not considered an HSA-eligible expense. However, Botox may be HSA eligible if it's used to treat a medical condition like chronic migraines, severe muscle spasms, or overactive bladder.
Can I use my HSA to pay for a chiropractor?
HSAs can be used for large and small qualified medical expenses. You can use your HSA for ongoing medical services and treatments, like chiropractic care, acupuncture, or physical exams. Medical copays, deductibles, and coinsurance can also be covered under an 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 my HSA to pay for therapy?
Yes. You can use an HSA to cover some mental health expenses, including therapy to treat a diagnosed mental condition. However, therapy that isn't specifically designed for medical or mental health needs — like marriage or family counseling — often won't qualify for HSA coverage.
Can you use HSA at Planet fitness?
In most cases, gym memberships are not considered eligible medical expenses by the IRS. This means you typically cannot use your HSA funds to pay for a gym membership directly. You might need to explore getting an LMN from your doctor.