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Can a Health Savings Account Be Used for Dental?

Posted on 4/15/2024 by Weo Admin
White dentist helping her patient fill out insurance paperwork on a clipboardHSA accounts can be used for dental. HSA covers all medically essential dental treatments.

What Is an HSA Account?

A Health Savings Account (HSA) account lets you set aside pre-tax funds to cater to healthcare costs. It allows you to set money aside and withdraw it tax-free for qualified medical expenses. Insurance premiums are generally not considered to be qualified healthcare costs. Only people with High Deductible Health Plans (HDHP) are eligible to contribute to an HSA.

HDHP plans usually have lower premiums but higher out-of-pocket costs. This means paying lower monthly premiums but spending more out of pocket before your insurance company kicks in. HSA, however, takes care of these out-of-pocket costs.

HSAs do not work with Medicare and other first-dollar payment plans. These plans start paying their share of costs immediately after the insurable event occurs. They do not require that the insured make any out-of-pocket payments before insurance coverage begins, relieving the insured of any pressure. You can get HSAs from banks, credit unions, and other financial institutions.

What Does an HSA Pay For?

An HSA covers a wide range of coverage. Deductibles, copayments, and coinsurance are all covered by an HSA. You can also use one to cover out-of-pocket expenses, including ambulance services, prescriptions, psychological therapy, and costs related to long-term care for chronic disorders. The type of disorder does not matter.

What Dental Expenses Does an HSA Cover?

An HSA can be used for many but not all dental services. Non-medically essential cosmetic treatments such as teeth whitening, dental bonding, tooth contouring, porcelain veneers, and gum touring are not covered. Some covered treatments include extractions, X-rays, braces, dentures, sealants, fluoride treatments, teeth cleanings, and fillings. It is important to note that these treatments are only covered when insurance does not pay for them.


Flexible Spending Accounts (FSAs) are like HSAs in that they can be used for short-term medical expenses. However, FSAs operate on a use-it-or-lose-it basis. Whatever remains in your FSA at the end of the year is taken away.

Closing Remarks

An HSA is an excellent option for paying for short-term medical costs, including dental costs. Consult with your financial services provider for more information on HSAs.

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Timothy H. Kindt, DDS, 1244 N Greenfield Road, Suite 105, Mesa, AZ 85205, (480) 939-5818,, 5/24/2024, Page Keywords: Dentist Mesa AZ,