What dental services are not covered by FSA?
Asked by: Bertha Crooks | Last update: September 8, 2025Score: 4.3/5 (54 votes)
What dental expenses are not FSA eligible?
For instance, cosmetic dental procedures such as teeth whitening or veneers are generally not covered by HSAs or medical FSAs. Over-the-counter dental products, such as toothpaste or mouthwash, are also not eligible for reimbursement from HSAs or medical FSAs, unless a dentist prescribes them.
What is not covered by FSA?
You can spend FSA funds to pay deductibles and copayments, but not for insurance premiums. You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription.
What does FSA cover for dental?
2) Fillings are typically covered. 3) Major Oral Surgery: dental reconstruction, root canals, implants, and tooth removal. 4) Orthodontia. Sometimes covered so be sure to check your plan and verify with your HR representative.
Why is oral care not FSA eligible?
While some oral care products like toothpaste and mouthwash are ineligible because they are considered for general good health, we want to provide a breakdown of oral care products that are eligible with your Flexible Spending Account. All of these products are available for purchase right here at FSAstore.com.
Understanding Dental Benefits: HSA and FSA | DrJohnsonDDS.com
Are dental implants covered by FSA?
Can I Use My FSA Funds on Dental Implants? Dental implants are an FSA eligible expense. That means that you can use any remaining funds in your FSA to help pay for the procedure.
Can I use my FSA for mouthwash?
Over-the-counter items (OTC) items are not eligible for reimbursement if they are normally used for general health or are used even when there is not a medical condition being treated (such as toothpaste, mouthwash, shampoo, lotion or moisturizer that also contains sunscreen) or are cosmetic in nature (teeth whitening ...
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 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 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 buy a toothbrush with 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.”
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.
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.
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).
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 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.
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 FSA pay for massage?
Massage Therapy may be eligible for reimbursement with a Letter of Medical Necessity (LMN) with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA).
Are bras FSA eligible?
Nursing bras (those that directly aid lactation, such as a hands-free bra used for pumping), are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).
Is Tylenol FSA eligible?
Can I buy OTC medicine such as Tylenol and Tums with my FSA or HSA? Yes. You can buy OTC medicine such as Tylenol and Tums with your FSA or HSA.
Are condoms covered by FSA?
Condoms are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA).
Are electric toothbrushes eligible for FSA?
Does FSA cover electric toothbrushes? Most electric toothbrushes don't make the cut because they're seen as personal care items rather than medical necessities. But if your dentist recommends one for a specific condition like gum disease or serious plaque buildup, it could qualify.
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!
Is shampoo FSA eligible?
While some exceptions may vary, shampoo is generally 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).