Flexible spending accounts (FSAs)are offered as a benefit by many employers to help make health care and child care expenses more affordable. Money that the employee contributes to a flexible spending account are “pre-tax” dollars that can be spent on qualified medical and child care expenses.
What many people don’t realize is that most dental care and treatments are allowable medical expenses. Any dental care for the prevention or treatment of dental disease can be paid for with pre-tax dollars from you FSA. This includes routine cleanings and checkups, sealants, fluoride treatments, x-rays, fillings, caps, dental implants, dentures, extractions, root canals, treatment of gingivitis or gum disease, and orthodontics.
The only dental expenses that are not allowable are those that are purely cosmetic such as teeth whitening. Everything else is an allowable health care expense. These days, many health care policies don’t cover dental care and even those that do often have high deductibles and co-payments for dental care. The irony is that poor oral health has been linked to a decline in health, especially in older Americans, and also to heart disease, stroke, and diabetes.
Maintaining your oral health is important to your long term overall health and your FSA can help you pay for preventative and restorative dental care. Information complied by the Center For Disease Control (CDC) show that more than 30% of Americans have not had a routine cleaning and dental exam in the past year. If you have been putting off routine cleanings and checkups, now is the time to schedule your appointment and use your FSA to help reduce the cost of dental care.
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