If you are one of the millions of Americans who are not fortunate enough to be covered by dental insurance, consider using your Flexible Spending Account (FSA) to help pay for the cost of dental care. In this economy, many employers are cutting back on benefits and many no longer offer dental insurance. If it is offered, it is so expensive that many employees don’t elect coverage. Even those who have dental coverage find that they end up paying a lot out of pocket for many dental procedures.
Whether you have dental insurance or not, you cannot afford to put off routine preventative dental care such as regular cleanings and checkups and addressing tooth decay and gingivitis at the first sign of trouble. Skipping routine dental care just leads to bigger, more expensive dental problems down the road. In addition, poor oral health is linked to poor overall health so you need to find a way to get your routine preventative dental care regularly.
One way to reduce the cost of dental care is to pay for your dental care through your FSA. Many people don’t realize that dental care is an allowable expense under an FSA but other than purely cosmetic procedures such as teeth whitening, most dental care is an allowable expense. Allowable expenses include dental cleanings, fillings, braces, implants, dentures, crowns and bridges.
By using your FSA to pay for dental care, you will save an amount equal to your marginal tax rate because the money you contribute to your FSA comes out of your paycheck pre-tax. If you are in the 20% tax bracket, that’s a savings of 20% on your dental care expenses. Let Uncle Sam help you pay for your dental care by using your FSA.
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