What Dental Care is Eligible in a HSA? - A Complete Guide

If you have a Health Savings Account (HSA), you may wonder what dental care expenses are eligible for reimbursement. Dental care is an essential part of healthcare, and knowing what services can be covered by your HSA can help you maximize your savings. Here is a detailed guide on the dental care that is eligible for reimbursement in an HSA:

Eligible Dental Expenses:

• Preventive Services: Regular check-ups, cleanings, and X-rays are considered eligible expenses.
• Restorative Services: Fillings, crowns, and bridges are typically covered.
• Orthodontics: Braces and other orthodontic treatments for yourself, your spouse, or dependents may be eligible.
• Extractions: Tooth extractions, including surgical extractions, are usually eligible.
• Periodontal Services: Treatment for gum disease, such as scaling and root planing, can be reimbursed.
• Prosthodontics: Dentures, implants, and related services are often covered.

It's important to note that cosmetic dental procedures, such as teeth whitening, are generally not eligible for HSA reimbursement unless deemed medically necessary by a dentist. Be sure to check with your HSA provider or refer to IRS Publication 502 for a comprehensive list of eligible dental expenses.

Understanding which dental care expenses qualify for reimbursement in your Health Savings Account (HSA) can enhance your financial wellness. For instance, when you schedule preventive services like regular check-ups, cleanings, and X-rays, you can rest assured these expenses are typically eligible for coverage under your HSA.