FSA HSA Accounts for Invisalign and Braces

Dr. Jennifer L. Martin and our team invite you to learn the basics of using your health savings account with the resources below. As we enter the final portion of 2023 we receive lots of interest in using Flex Spending Accounts (FSA), Health Savings Accounts (HSA) for dental treatments & procedures.  Please contact us for answers to your specific questions.

Pleasant Hill, CA

How To Use FSA Money

It is important to know that orthodontia, and the most dental services, are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). Orthodontia is not eligible for reimbursement with a dependent care flexible spending account (DCFSA). Read more...

Using Your Flexible Spending Account (FSA) for Dental Care

Invisalign Orthodontics Treatment Is Typically Eligible with a Flexible Spending Account (FSA)

Invisalign orthodontics reimbursement are typically eligible with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA) or a limited care flexible spending account (LCFSA). Invisalign orthodontics reimbursement is not eligible with a dependent care flexible spending account (DCFSA).

More Dental Expenses That Can Be Paid with FSAs

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
  •         Crowns
  •         Bonding
  •         Dentures
  •         Tooth extraction
  •         Inlays and onlays
  •         All diagnostic and preventative services
  •         Treatments for gingivitis, temporomandibular joint syndrome and disorder, gum recession, and oral surgery

Expenses That Are Excluded

Unfortunately, cosmetic procedures—such as teeth whitening, veneers, and cosmetic orthodontics—are not covered by FSA plans. If you want to get your teeth bright and white, you will have to pay out of pocket, as cosmetic dentistry is simply not on the list. In fact, you cannot even buy toothpaste of any kind or dental floss using FSA funds, as they are not eligible expenses. Oral pain remedies, however, are typically covered by plans.

There is an obvious discrepancy with orthodontia. While the IRS says that some procedures treat disease and some are cosmetic, there is no specific set of rules that defines the specifics regarding which procedures qualify for coverage under an FSA.

Know Your Plan: Flexible Spending Plans Vary

The IRS provides general rules for FSA plans, but each individual FSA provider interprets those rules differently. Talk to your employer and your plan provider before you start any course of treatment. We are more than willing to coordinate with your insurance provider to make sure the services you are receiving are eligible.

Creating Generations of Smiles Through A Legacy of Personal Care and Heartfelt Service!

Dr. Jennifer L. Martin and our team love transforming lives, one smile at a time. We work one-to-one with each patient to determine their clinical needs and care goals, and then develop individual treatment paths to create their healthy new smile.  Please reach out to schedule a consultation so you maximize your health savings account features.  Now is the time to start treatment if you want to use funds for a 2021  ‘use it or lose it’ budget.

We offer complimentary consultations for you and your family at our Pleasant Hill, CA orthodontic office, serving Martinez, Concord, Walnut Creek and Lafayette. Please call to learn more and schedule your consultation, today.  Dr. Martin and everyone at Jennifer L. Martin, DDS, look forward to welcoming you to our practice. We would love to develop a long-term relationship with you, while making the beautiful smile of your dreams a reality!

Best wishes,

Jennifer L. Martin, D.D.S.

401 Gregory Lane, Suite 126

Pleasant Hill, CA 94523

Phone: (925) 676-8485


Creating generations of smiles through a legacy of personal care and heartfelt service!