Maximizing Pre-Tax Savings: HSA and FSA for Major Procedures

Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are powerful, tax-advantaged tools that many patients overlook for dental expenses. Using these funds is one of the smartest dental financing options available because you are paying with pre-tax dollars.

Utilizing HSA and FSA for Dental Treatments:

• Eligible Procedures: You can typically use both HSA and FSA funds for medically necessary dental procedures. This includes restorative treatments like fillings, root canals, crowns, and extractions.

• Dental Implants: Dental implants are generally eligible for reimbursement when used to treat dental disease or replace missing teeth (i.e., not solely for aesthetic purposes). This often covers the surgical placement, bone grafting, and the final implant crown. This is a key advantage for patients considering this permanent replacement solution.

• Cosmetic Caveats: While routine preventive care is often eligible, purely cosmetic procedures (like teeth whitening) are generally not covered. However, treatments like Invisalign or dental veneers may qualify if they correct a functional problem or are deemed medically necessary by the dentist.

Crucial Note for FSA: Remember the "use it or lose it" rule for FSA funds! If you have remaining FSA balances, the end of the year is the critical deadline to schedule treatment or consultations to use those funds before they expire.