Can I use my HSA for dental implants?

Asked by: Mr. Keith Rempel I  |  Last update: November 25, 2023
Score: 4.9/5 (18 votes)

FSAs and HSAs can cover many dental expenses such as oral surgery, implants, and braces. The savings can add up, as these expenses can cost thousands of dollars. Dental implants can range $3,000 to $4,500, and full-mouth periodontal surgery can cost $4,000 to $10,000.

What dental expenses are HSA eligible?

Dental treatment - Medical expenses for dental treatment are reimbursable. This includes fees paid to dentists for X-rays, models and molds, fillings, braces, extractions, dentures, dental implants and the difference in cost from insurance-approved restorations and alternative materials, etc.

Are dental implants covered by FSA?

Dental implants are an FSA eligible expense. That means that you can use any remaining funds in your FSA to help pay for the procedure. Redemption policies vary, depending on your FSA. Some patients receive a debit card they can use for certain FSA authorized expenses.

What dental expenses are covered by FSA?

Dental Expenses that can be Paid with FSA's
  • Teeth cleaning.
  • Root canals.
  • Dental fillings.
  • Dental sealants.
  • Crowns.
  • Bonding.
  • Dentures.
  • Tooth extractions.

Can I use FSA to pay for Invisalign?

Absolutely, you can use your HSA or FSA to pay for Invisalign aligners based on the same criteria listed above. While typically more expensive than braces, Invisalign aligners are practically invisible and removable, making them a great option for many Kristo Orthodontic patients— especially teens and adults.

Creative Ways Of Financing Your Dental Implants

25 related questions found

Can I use my HSA for gym membership?

Physical therapy is an approved medical expense. Can I use my HSA for a gym membership? Typically no. Unless you have a letter from your doctor stating that the membership is necessary to treat an injury or underlying health condition, such as obesity, a gym membership isn't a qualifying medical expense.

Is Apple Watch HSA eligible?

Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.

Can I use HSA for massage?

Massages with a doctor's note of necessity

In certain cases, the massage is deemed medically necessary, and can be classified as a qualified medical expense. In a case like this, accountholders can use their HSA to pay for the massage.

Can I use my HSA for Botox?

Botox: HSA Eligibility

Botox injections are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA).

Can I use HSA for vitamins?

With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts and others that may be eligible with proper documentation from a physician.

What happens if you use your HSA card for something else?

If you use your HSA for an expense other than eligible medical expenses you can subject yourself to significant IRS penalties. Inappropriate use of your HSA funds may also leave you without money to pay for your eligible medical expenses in the future.

Can I buy a Fitbit with HSA money?

A fitness tracker device, such as a Fitbit, is only eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can you use HSA on sunscreen?

Sunscreen: HSA Eligibility. Sunscreen is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA) ...

Does IRS audit HSA?

HSA reimbursements need matching receipts.

When using an HSA debit card, retain receipts for each transaction as those expenses will be reported to the IRS, and you could be audited.

Can I use HSA for chiropractor?

Chiropractic treatment reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

Can I buy a treadmill with my HSA?

A treadmill may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with a flexible spending account (FSA), health savings account (HSA) and health reimbursement arrangement (HRA).

Can I use HSA for Lasik?

You can use an HSA for LASIK and other laser vision correction procedures. Like the FSA, the IRS sets limits on what procedures can be covered by an HSA. Laser vision correction procedures including LASIK, SMILE, and PRK are eligible expenses.

Is deodorant HSA deductible?

Preventative care that is not doctor prescribed is not always HSA eligible. Some examples of common healthcare expenses that fall into this category are: Vitamins, nutritional, and herbal supplements for general health. Personal hygiene items such as toothpaste and deodorant.

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…”

Is Tylenol HSA-eligible?

Acetaminophen, the primary ingredient found in Tylenol, is an eligible OTC item. Acetaminophen reimbursement is eligible with an FSA account, HSA or HRA. Acne Medicine such as Clean and Clear, Neutrogena, Proactiv, etc., is eligible.

Are Amazon purchases HSA eligible?

If you have an HSA (Health Savings Account) or FSA account (Flexible Savings Account) set up and you love shopping on Amazon, listen up. You can purchase a boatload of eligible items using your HSA or FSA account in the Amazon HSA store. And, your pre-tax HSA will even cover any tax or shipping fees.

Can you spend HSA on Amazon?

To use your FSA or HSA card on Amazon, simply add it as a payment option in your account. Just remember, some HSA cards need to be registered as credit cards to ensure they are used solely for eligible products.

Can you buy toilet paper with HSA?

Toiletries are not eligible for reimbursement 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). What are toiletries?

What happens if you accidentally pay for groceries with HSA card?

If you realize you've made a mistake and want to correct it, simply return the money to your HSA and you will avoid the additional penalty. If you do not return the money to your HSA, it will be counted as taxable income, and even worse, you'll have to pay a 20% penalty.

What can I do with leftover HSA money?

If you have any money left in your HSA at the end of the year, it will continue to roll over year after year. That means that your unused contributions will keep accumulating until you need them. PLUS, balances earn interest or can be invested.