Can you pay for veneers with HSA?

Asked by: Eusebio Schneider  |  Last update: October 16, 2025
Score: 4.8/5 (10 votes)

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, then it may be eligible.

What makes veneers medically necessary?

Veneers may be deemed essential in cases of severe enamel loss, which can lead to tooth sensitivity or an increased risk for decay; significant structural damage that affects chewing or oral health; or to rectify malformations that can cause speech impediments or bite issues.

Does any health insurance cover veneers?

Getting veneers is often considered a cosmetic procedure. Most dental insurance providers won't cover the cost of veneers unless they're medically necessary (e.g., tooth damaged in an accident). It's also important to note there may be other costs involved, including a dental exam, X-rays and a dental cleaning .

Can you use HSA for cosmetic procedures?

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.

Are veneers a medical expense?

Only medically necessary dental treatments are deductible, such as teeth cleanings, sealants, fluoride treatments, X-rays, fillings, braces, extractions, dentures, and dental-related prescription medications. Cosmetic procedures (like veneers and teeth whitening) and non-prescription medicines are not tax-deductible.

Do You Offer Payment Plans for Veneers? | Porcelain Veneers in Amherst, NY | Douglas Hamill DDS

37 related questions found

Can I 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.

How do people afford veneers?

The cost of veneers varies depending on the dental office's location, the type, and the number of veneers applied. Veneers are usually not included in your insurance coverage, yet other payment options, such as HSA and FSA, are available to help you finance your treatment. Veneers do not require costly maintenance.

Can I use my HSA for a facial?

First and foremost, not all facial treatments will be eligible for HSA funds. It is crucial to ensure that the treatment meets the IRS guidelines for qualified medical expenses. Additionally, using HSA funds for facials may deplete your account balance, leaving fewer funds for other medical expenses.

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 pay for cosmetic dentistry with HSA?

Can you use a health saving account (HSA) for cosmetic dental? While the IRS does not explicitly prohibit the use of HSAs for cosmetic dental procedures, they do require these treatments to be medically necessary.

How much does a full set of veneers cost?

In California, the cost of porcelain veneers ranges from $20,000 to $70,000. This price may be influenced by the high demand for cosmetic dentistry and the overall cost of living. In other US states like Colorado, Connecticut, and Delaware, the average cost is between $12,000 and $20,000.

Is there a cheaper way to get veneers?

Composite veneers may be more budget-friendly alternatives but are not as long-term of a solution as porcelain veneers. Schedule a visit today to discuss your options with your dentist based on your needs and budget.

How to get veneers paid for?

A Cosmetic Dentistry Grant (CDG) is available for those looking to receive a dental veneer procedure. The CDG will cover the partial cost of your dental veneers for qualified applicants. Learn more about the CDG and if you're eligible to get CDG funding for veneers.

What disqualifies you from getting veneers?

Patients with Insufficient Tooth Enamel

For veneers to adhere properly, there must be an adequate amount of enamel present on the tooth surface. Patients can experience enamel loss or erosion due to conditions like tooth erosion or grinding (bruxism).

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.

Will Blue Cross Blue Shield pay for veneers?

Veneers are considered a cosmetic procedure and are not covered under insurance. Check with your insurance company to verify your benefits before starting a veneer procedure.

Is the Apple Watch HSA eligible?

Why other fitness trackers don't qualify. 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 for massages?

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 Invisalign?

Many patients are surprised to learn that you can use your Flexible Spending Account (FSA) or Health Spending Account (HSA) to pay for orthodontic treatment, including braces and Invisalign, for children and adults, which makes this the “most wonderful time of the year” to get started on your dream smile.

Can I use my HSA for cosmetic?

You typically can't use an HSA for cosmetic surgery and get the tax benefits if the procedure isn't medically necessary and is done solely for appearance reasons.

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…”

Will HSA cover a hot tub?

In very rare cases, a TPA may deem a hot tub as eligible with a Letter of Medical Necessity (LMN) which details that the only reason for purchasing this device is to treat a specific medical condition.

Can I get veneers and pay monthly?

If you want to spread the cost of your veneer treatment, you'll have to meet certain criteria to qualify for veneer finance options. If you have poor credit, it's still possible that you can get a loan to finance your dental costs. However, you might be limited in how many finance options are available to you.

Is there a way to get veneers for free?

How to Get Free Dental Veneers?
  1. Research dental schools in your area. They often offer free or discounted dental treatments, including veneers.
  2. Visit dental charity organizations. ...
  3. Consider participating in dental research studies. ...
  4. Check if your insurance covers veneers. ...
  5. Ask your dentist for payment plan options.

How many veneers is a full set?

There are generally eight dental veneers in a full set. These restorations are designed as a cosmetic—and not a structural—solution, and so they're reserved for the eight teeth that are most prominently visible on the upper jaw: the central and lateral incisors, canines, and first premolars.