Is teeth whitening FSA eligible?
Asked by: Tyson Keebler II | Last update: September 16, 2025Score: 4.3/5 (44 votes)
Can you use your FSA for teeth whitening?
Dental care can certainly be a part of those expenses, but teeth whitening is not considered to be an FSA eligible expense. Because it's considered cosmetic in nature, teeth whitening will not be reimbursed with your FSA.
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.
Is teeth whitening eligible for HSA?
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.
Is teeth cleaning FSA eligible?
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 teeth whitening safe?
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 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.
Is teeth whitening covered by insurance?
Teeth whitening is typically not covered by dental insurance because it's considered a cosmetic procedure. That means it improves appearance instead of correcting an oral health issue. It is not generally considered a medically necessary procedure, like a root canal or filling.
Are crest white strips FSA eligible?
Funds from a flexible spending account (FSA) cannot be used for teeth whitening expenses. The U.S. Internal Revenue Service (IRS) specifically excludes various medical expenses spent on unnecessary cosmetic procedures, such as teeth whitening, in IRS Publication 502.
Does HSA pay for 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.
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 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.
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 use FSA for Botox?
Botox injections are typically not eligible for reimbursement with an FSA, as they are primarily used for cosmetic purposes.
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 vitamins FSA eligible?
With this IRS definition in mind, while daily multivitamins are not FSA/HSA eligible, there are some types of vitamins that are eligible with consumer-directed healthcare accounts.
Can FSA pay for teeth whitening?
Officially, funds from an FSA cannot be used for teeth whitening costs. This is because the U.S. Internal Revenue Service (IRS) specifically excludes various medical expenses spent on “unnecessary cosmetic procedures”, such as teeth whitening, as declared in IRS Publication 502.
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.
Is nail polish FSA eligible?
Nail polish 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).
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.
Does baking soda whiten teeth?
Baking soda can be used with some water to remove the stains on the surface of the teeth. It can also be used with hydrogen peroxide to enhance its whitening effects. Baking soda can be used by individuals with regular toothpastes too. It is also used commercially in some teeth whitening products and toothpastes.
Why is teeth whitening at dentist so expensive?
The cost difference mainly exists due to the lesser efficacy of whitening from at-home products. These products tend to contain lower concentrations of bleaching agents and do not work as good or fast as in-office teeth whitening.
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.
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.
Is an HSA or FSA better?
Bottom line: Both HSAs and FSAs provide financial benefits for managing health care expenses. HSAs offer more flexibility and long-term growth potential, making them a valuable tool for future financial planning. Learn about HSA options from Aetna.