Can you use FSA funds for Invisalign?
Asked by: Mathilde Koss | Last update: December 9, 2025Score: 4.5/5 (64 votes)
Will FSA pay for Invisalign?
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 FSA be used for orthodontics?
In most cases, you can use your HSA or FSA for eligible orthodontic treatment. Only the portion of your orthodontic payments not paid by your dental insurance or any other plan may be considered an eligible expense. Both HSAs and FSAs can cover a wide range of orthodontic expenses.
Does Invisalign count as a medical expense?
In general, both Invisalign and traditional braces can be tax-deductible if they are prescribed by a qualified dental or medical professional to treat a dental condition. However, it's essential to keep detailed records of the expenses and consult with a tax advisor to ensure compliance with IRS guidelines.
Can I use my FSA for dental expenses?
You can use funds in your FSA to pay for certain medical and dental expenses for you, your spouse if you're married, and your dependents. You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums.
Saving Money On Orthodontic Treatment Using Your FSA or HSA
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.
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.
How to get Invisalign covered by medical insurance?
Submit a pre-authorization request: If required by your insurance plan, work with your Invisalign provider to submit a pre-authorization request. This involves providing the treatment plan, cost estimate, and any supporting documentation required by the insurance company to demonstrate medical necessity.
Is Invisalign cosmetic or medical?
Invisalign is definitely not just a cosmetic treatment. It's a functional treatment for people who want to improve their smiles. These include patients who may have trouble with chewing, crowded teeth, or overbites.
Can I pay for Invisalign with my HSA?
Your personal HSA can apply to any type of orthodontic treatment deemed medically necessary. So, yes – your HSA funds can be put toward any type of braces, including BRIUS, metal self-ligating (tie-less) braces, clear self-ligating braces, or Invisalign clear aligners for you or your child!
What happens to unused FSA funds?
The IRS created the ""use or lose"" rule, which states that all money left in your FSA is forfeited after the benefit period ends . If you don't use all of your FSA funds during the benefit period, you risk losing money.
Can FSA be used on retainers?
The cost of an orthodontic retainer is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited-purpose flexible spending account (LPFSA).
Is Invisalign considered orthodontia?
So, to answer the question: Invisalign is considered a form of orthodontics. It's an innovative, effective, and aesthetically pleasing solution for correcting dental misalignments. However, the decision should always be made in consultation with a trusted orthodontist to ensure it meets your needs.
Can you use FSA funds for orthodontics?
FSAFEDS allows reimbursement for pre-paid orthodontia expenses, up to the elected amount, regardless of the date of service. The payment must have been made during the benefit period.
How to afford Invisalign?
- Care Credit. Using a healthcare credit card can offer significant savings and help you cover the costs of dental care, including Invisalign. ...
- Promotional Deals. Orthodontic offices want your business! ...
- Monthly Payment Plans. You do not need to pay the entire cost of Invisalign treatment up-front.
What is the downside of Invisalign?
You must wear aligners 20 to 22 hours per day. One of the biggest drawbacks of Invisalign is that you must wear your aligners for at least 20 – 22 hours a day to be effective.
What does not qualify for Invisalign?
Invisalign can't reshape your teeth, so if you have a few teeth that are very small or misshapen, it may not be possible to get Invisalign treatment. These improperly-shaped teeth can mess up the alignment of your aligners. However, you may be able to have these teeth treated with a dental crown or dental bonding.
Why is Invisalign not covered by insurance?
Some insurance plans don't cover clear aligners because they consider it a cosmetic procedure, not a medical procedure. Cosmetic means the procedure is done for beautification purposes only. If Invisalign isn't covered by your insurance, you pay 100% of the costs.
What makes Invisalign medically necessary?
Medically necessary orthodontic conditions include: severe misalignments. significant crowding. dental issues that impact speaking or eating.
How to get free Invisalign treatment?
While Invisalign typically isn't free, various financial aid programs and dental insurance plans may cover a portion of the costs. Additionally, some orthodontists offer payment plans or sliding scale fees based on income, which can significantly reduce the financial burden.
What is cheaper than Invisalign?
Affordability: ClearCorrect often costs less than Invisalign. Discreet: The aligners are clear and virtually invisible. Flexibility: Offers different treatment options to suit your needs and lifestyle. Professional supervision: Your dentist or orthodontist oversees your treatment plan.
Are teeth aligners FSA eligible?
Yes! Invisible Aligners for teeth straightening are an orthodontic service, which is covered by most of HSA & FSA accounts.
What does FSA not cover?
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. If you do, don't panic.
What dental work is FSA eligible?
When it comes to using an FSA for dental expenses, reimbursement rules generally follow the deduction rules as spelled out in IRS Publication 502. The basic guideline is that anything that treats or prevents a dental disease is eligible for FSA coverage: Teeth cleaning. Fillings and sealants.