Is dental work HSA-eligible?
Asked by: Angel Simonis | Last update: January 27, 2026Score: 4.9/5 (2 votes)
Can I use my HSA on dental work?
Yes, you can use a health savings account (HSA) or flexible spending account (FSA) for dental expenses.
Is deep cleaning of teeth a qualified medical expense?
Medical expenses include dental expenses, and in this publication the term “medical expenses” is often used to refer to medical and dental expenses. You can deduct on Schedule A (Form 1040) only the part of your medical and dental expenses that is more than 7.5% of your adjusted gross income (AGI).
Can HSA be used for Invisalign?
Straighten Your Smile and Save: Yes, You Can Use Your FSA or HSA for Braces or Invisalign!
Can I use my HSA for gym membership?
Generally, the IRS doesn't allow pretax dollars in HSAs or FSAs for gym memberships. This is because they see them as expenses for general well-being rather than medical necessity. However, with a Letter of Medical Necessity (LMN), your HSA or FSA could be used to fund those expenses.
Understanding Dental Insurance & HSA Funds
Can you use your 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.
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.
Is mouthwash HSA eligible?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Does HSA cover Botox?
Can you use HSA funds to pay for Botox? If you're using Botox for cosmetic purposes like reducing wrinkles or fine lines, it's not considered an HSA-eligible expense. However, Botox may be HSA eligible if it's used to treat a medical condition like chronic migraines, severe muscle spasms, or overactive bladder.
Can you claim toothpaste on HSA?
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 root canals HSA eligible?
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 I write off dental expenses?
The IRS allows you to deduct unreimbursed payments for preventative care, treatment, surgeries, dental and vision care, visits to psychologists and psychiatrists, prescription medications, appliances such as glasses, contacts, false teeth and hearing aids, and expenses that you pay to travel for qualified medical care.
Is a Waterpik a qualified medical expense?
Eligible Medical Expenses Include Dental Issues
For example, if a dentist diagnoses gingivitis and recommends a WATERPIK water flosser or WATERPIK SONIC-FUSION, under IRS guidelines it is an eligible expense.
Can I use HSA for glasses?
Yes! You can definitely use funds from your flexible spending account (FSA) or health savings account (HSA) to purchase prescription glasses. (FSAs and HSAs can be used for many other vision- and eye health-related expenses, too, but we'll discuss that more in a bit.)
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…”
Are vitamins HSA eligible?
In general, vitamins are not considered an HSA eligible expense unless they are prescribed by a doctor for a specific medical condition. For example, if your doctor prescribes prenatal vitamins during pregnancy or recommends vitamin D supplements to treat a deficiency, those could be eligible expenses under your HSA.
Can I use my HSA for massage?
Generally, HSAs cover treatments that are considered medically necessary, and massages are no exception.
Can I use HSA for dental?
Your HSA also covers expenses for standard dental cleanings and dental check-ups. One thing to keep in mind is that some of these procedures may have a co-payment, so it's important that you check with your dental insurance provider to find out exactly what you'll have to pay out of pocket.
Can I use my HSA for skincare?
This means that any skin care costs that count towards your deductible, such as prescription medications or dermatologist visits, can be paid for using HSA funds.
Can I pay for gym membership with HSA?
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 you buy an Apple Watch with HSA?
Unfortunately the answer to this question is usually no. This is because according to the IRS, fitness trackers are used to promote what the IRS terms “general health”. Expenses under this general health definition are not considered HSA eligible expenses.
Can I buy shampoo with HSA?
Over-the-counter toiletries or personal hygiene items which may include, but are not limited to shampoo, toothpaste, conditioners, hand creams, deodorant, shaving cream, razors, dental floss, body powders, hair gels/sprays, make-up, nail polish accessories, soap, mouthwash, etc., are not reimbursable.
Can I use my HSA for YMCA membership?
Using HSA or FSA Dollars
If you have a health insurance plan with a Health Savings Account or you use a Flexible Savings Account, you may be able to use money from those accounts to pay for your YMCA membership!
Can I buy Gatorade with HSA?
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.
Can you use HSA to buy a treadmill?
For a treadmill to be eligible for reimbursement, it must be used to treat or prevent a specific disease, including hypertension or obesity.