Does FSA cover dental?
Asked by: Keon Kunze | Last update: October 27, 2025Score: 4.3/5 (37 votes)
Can you pay for dental with FSA?
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. And since some dental-related expenses are not covered by insurance, employees can save money by using an HSA or FSA to cover those costs.
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.
What expenses are covered by FSA?
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.
Can FSA be used for dental crowns?
Medical Necessity: FSA coverage typically applies to dental crowns that are medically necessary, such as those used for restorative purposes. If the dental crown is solely for cosmetic reasons, it may not be covered.
Understanding Dental Benefits: HSA and FSA | DrJohnsonDDS.com
Does FSA cover 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 use my FSA for dental implants?
Can I use an HSA or FSA for a dental implant? Yes, if it's used to treat a dental disease or any other medical purpose.
Is an Apple Watch 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.
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.
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 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.
Is a root canal covered by FSA?
In addition to teeth cleaning and tooth extraction, there are other dental costs that you can use HSA or FSA funds on. These include fillings, crowns, bridges, root canals and braces. HSAs and medical FSA funds can also be used to purchase dentures, implants and other restorative dental procedures.
Can you use FSA for glasses?
Can I use my FSA on all prescription eyewear? Yes, you can use it to buy prescription glasses, sunglasses and contact lenses all year round.
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.”
Are diapers FSA eligible?
Regular diapers for newborns and infants are not FSA eligible because they do not treat a medical condition, but rather aid a healthy function of the body. There are some ways to save, however, including sales, coupons, buying in bulk or joining rewards programs.
Can FSA be used for vitamins?
Only a few vitamins and supplements are eligible for an FSA. The three that are eligible are: Prenatal vitamins: Aid in fetal development and a healthy pregnancy. Glucosamine: Used to treat the thinning of cartilage between joints caused by osteoarthritis.
What are the major disadvantages of FSA?
While FSAs offer several benefits, they also have limitations. The 'use-it-or-lose-it' rule can lead to the loss of unspent funds. Additionally, there are restrictions regarding eligible expenses and contribution limits, which are determined by the IRS and can change annually.
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.
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 pay for gym membership with FSA?
Can you use flexible spending account (FSA) funds to pay for a gym membership or exercise classes? Typically, no. The Internal Revenue Service (IRS) usually doesn't allow funds from an FSA to pay for membership dues at health clubs or gyms.
Is Gatorade FSA eligible?
You can grab a pack of ORS using your HSA or FSA funds without a prescription. However, rehydration sports drinks (think Gatorade) and electrolyte solutions containing additional additives (such as caffeine, immunity boosters, or the like) are not eligible.
Is sunscreen FSA eligible?
You can use your flexible spending account (FSA) to buy broad-spectrum sunscreens with a minimum SPF of 15 using pretax dollars. A variety of items that offer sun protection, including lip balms, lotions, and moisturizers, might also qualify for these funds. Many FSA plans offer debit cards to make using funds easier.
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.
Does a Waterpik count for FSA?
If a dentist prescribes a WATERPIK water flosser or WATERPIK Sonic-FusionTM for health reasons, you may be able to pay for it with your flexible spending or health savings account!
Can FSA be used 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.