Can you use FSA for teeth whitening?
Asked by: Eula Gleason | Last update: September 27, 2025Score: 4.3/5 (71 votes)
Is dental whitening covered by FSA?
A Flexible Spending Account (FSA) gives you the opportunity to pay for a variety of out-of-pocket medical expenses on a pre-tax basis. Dental care can certainly be a part of those expenses, but teeth whitening is not considered to be an FSA eligible expense.
Can I use my FSA for teeth cleaning?
According to the IRS, an individual can use their FSA coverage for all dental procedures that treat or prevent a dental disease. Just how much you pay out of your FSA is determined by the price of the treatment. For those with insurance, deductibles and copayments may be covered.
Is teeth whitening a qualified medical expense?
However, purely cosmetic procedures, like teeth whitening, aren't deductible because they're not considered medically necessary. To claim a deduction for your dental expenses, you'll need to itemize your deductions on Form 1040, Schedule A.
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 You Use FSA For Dental? - The Pro Dentist
Can you use HSA for teeth whitening?
Unfortunately, you can not use money from your HSA to cover teeth whitening services. While there are many benefits to white teeth, it is ultimately considered a cosmetic procedure. Any service designed to improve a patient's appearance as opposed to their bodily functions is not an eligible expense.
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.
What insurance covers teeth whitening?
Cosmetic procedures such as teeth whitening, however, are typically not covered by dental insurance. Some plans may offer an allowance for cosmetic procedures, which also include things like Invisalign and veneers. In most cases, however, patients will need to pay for teeth whitening out of pocket.
What are FSA eligible expenses?
Allowed expenses include insurance copayments and deductibles, qualified prescription drugs, insulin, and medical devices. You decide how much to put in an FSA, up to a limit set by your employer. You aren't taxed on this money.
Is teeth whitening a medical procedure?
Teeth whitening treatment is a dental procedure that helps transform discolored or stained teeth into stunning white, bright teeth by utilizing teeth whitening technology, the LED Light System, and high-quality bleaching products to stimulate the disintegration of the whitening gel, which help turn discolored teeth ...
Can FSA be used 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 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.
Can you use FSA for dental cleaning?
Yes, you can use a health savings account (HSA) or flexible spending account (FSA) for dental expenses.
Can I use FSA for Botox?
Botox injections are typically not eligible for reimbursement with an FSA, as they are primarily used for cosmetic purposes.
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 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 toilet paper FSA eligible?
Here are examples of items and expenses that are not FSA-eligible for 2024: General health items: toiletries like toothpaste, toilet paper, or shampoo, cosmetic products, vitamins and supplements (without a prescription) Non-medical equipment: car seats, strollers, non-medical exercise equipment.
Are air purifiers FSA eligible?
Air purifiers are generally not eligible for reimbursement. An air purifier may be eligible for FSA reimbursement with a Letter of Medical Necessity (LMN) only if you are using it to relieve or alleviate a specific medical condition and you would not otherwise have purchased it.
Am I eligible for teeth whitening?
Your dentist will advise you whether whitening is right for you. It may be that teeth whitening isn't suitable, for example if you have gum disease or crowns.
How much is teeth whitening out of pocket?
Based on Delta Dental's cost estimator, in-office teeth bleaching in Culver City, California, can cost around $596 - $900.
Do dentists do teeth whitening for free?
Many dentists will offer free teeth whitening as a way to attract new patients. But beware, because there is no way to guarantee that is what the offer you are referring to is actually offering. The best thing to do before going in for an appointment is to give them a call and ask the specifics about the offer.
Can I use FSA to buy toothbrush?
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.”
Are bras FSA eligible?
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).
Are pee pads FSA eligible?
To be eligible for FSA coverage, incontinence supplies must be deemed medically necessary. This means that you'll need a healthcare provider's diagnosis confirming the need for these supplies to manage the symptoms of incontinence. Without the proper documentation from your doctor, reimbursement may not be possible.