Can you use FSA for teeth whitening at dentist?
Asked by: Prof. Verner Green Sr. | Last update: January 1, 2026Score: 4.1/5 (15 votes)
Can you use FSA for dental whitening?
Since teeth whitening is purely cosmetic and not related to a health condition or disease, it is not considered a qualified use of FSA funds.
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 I use my FSA card at the dentist?
HSA and FSA coverage for dental services
Because HSAs and FSAs are both tax-exempt accounts used to offset the cost of healthcare, every penny put into these accounts can pay for eligible dental expenses, tax-free.
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.
Can You Use FSA For Dental? - The Pro Dentist
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.
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.
Can I use FSA for gym membership?
But that's not all a Letter of Medical Necessity can do for you. You can even pay for your gym membership with FSA/HSA funds, making it easier than ever to access top-of-the-line equipment like the models we have in our studios.
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 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.
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 I buy a toothbrush with my FSA?
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.”
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.
Does FSA cover dental deep cleaning?
Teeth cleaning is considered a preventative service, which is covered by HSAs and medical FSAs. Using your HSA or FSA to pay for teeth cleaning can be a smart way to maximize your healthcare dollars while taking care of your oral health.
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.
Does FSA cover teeth whitening?
Elective cosmetic procedures like teeth whitening, for example, are not eligible for FSA funds. Here are examples of medically necessary procedures that are typically covered by FSA funds. 2) Fillings are typically covered. 3) Major Oral Surgery: dental reconstruction, root canals, implants, and tooth removal.
Can I get veneers with FSA?
Posted August 15, 2023 . You can use your Flexible Spending Account (FSA) for dental veneers, as they are considered a cosmetic dental procedure that improves the appearance of your smile by covering imperfections like stains, chips, or misalignments.
Can you claim toothpaste on FSA?
Toothpaste is 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 is toothpaste?
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.
Does FSA cover peloton membership?
You can't directly pay for membership costs with your HSA/FSA card, but if you receive a Letter of Medical Necessity (LMN) from Truemed or an applicable licensed medical professional and are eligible for reimbursement, you may be able to apply your HSA/FSA funds to the cost of a Peloton Membership while the LMN is ...
Can you use FSA for vitamins?
Are vitamins FSA/HSA eligible? You want to be careful when trying to buy vitamins with your FSA or HSA. They are not always deemed a qualified expense. If your vitamins are not prescribed by a healthcare professional or used to treat a specific condition, your purchase most likely won't be FSA or HSA eligible.
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.
How much should teeth whitening cost?
Location: Along with the cost of living, the average rates for dental services can vary from one area to another. In New York City, you may pay between $99-$599 for in-office professional whitening. The same treatment ranges from $650-$1,100 in Rolling Hills Estates, California.
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.