Can I Use My HSA or FSA at the Dentist?
Understanding HSA & FSA: A Quick Overview
Many patients are surprised to learn that they can use their Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for a wide range of dental services. These accounts allow you to set aside pre-tax income to cover qualified medical expenses — and yes, that includes dental care.
At ESP Dental in Phoenix, we accept both HSA and FSA payments and help patients make the most of these valuable benefits.
✅ Eligible Dental Expenses You Can Use HSA/FSA For
You can use your HSA or FSA funds to pay for many common and necessary dental treatments, including:
Routine exams and cleanings
X-rays
Fillings
Crowns and bridges
Root canals
Tooth extractions
Dentures and partials
Gum disease treatment
Dental sealants and fluoride treatments
💡 Important: Cosmetic treatments like teeth whitening or veneers are typically not covered unless medically necessary.
🕒 Don’t Let Your FSA Dollars Expire
One of the biggest mistakes patients make is letting their FSA funds go unused. Most FSA accounts have a “use it or lose it” policy, meaning the money disappears if not spent by the deadline (often December 31st).
Tips to avoid losing your benefits:
Check your account balance in early fall
Schedule any needed treatments before the end of the year
Use FSA funds for preventive care — cleanings are usually covered
Consider using funds on nightguards or treatment for grinding/clenching
💡 Tip: HSA Funds Roll Over — But Plan Ahead
Unlike FSA, most HSA balances roll over year-to-year. However, that doesn't mean you should delay treatment. Investing in your dental health now can prevent costly issues later — and using HSA dollars still gives you the benefit of tax-free savings.
Why ESP Dental Makes It Easy
At ESP Dental, we’re committed to helping patients navigate all aspects of their dental care — including making the most of your HSA or FSA. When you visit our Phoenix office:
We’ll verify your HSA/FSA usage options
Provide accurate estimates for treatment costs
Offer flexible scheduling to fit in care before plan deadlines
Help you submit documentation or receipts, if needed
You work hard for your benefits — we’ll help you use them wisely.
📅 Book Now & Use Your Benefits with Confidence
Whether you’re due for a cleaning or ready to fix a lingering dental issue, now is a great time to use your HSA or FSA before it’s too late.
📍 Visit us at ESP Dental in Phoenix — bilingual, family-friendly, and insurance-savvy.
