October 30, 2020
Do you have a high-deductible dental insurance plan that is also HSA eligible? Knowing how and when you are able to use these additional funds isn’t always so black and white. Because an HSA account can only be used for qualifying medical expenses, you might assume this accumulation of pre-tax dollars is ineligible for use toward dental treatment. Fortunately, this isn’t the case at all! If you and/or your employer are putting funds into a separate HSA account, you can use this money toward various services designed to improve your oral health. Read on to learn which ones are covered and why you should cash in on these benefits (alongside your dental insurance) before it’s time to renew.
What Dental Services are Covered with an HSA?
When preparing to use your HSA toward necessary dental care, you should know that although considered vital components to any good oral hygiene routine, toothpaste, toothbrushes, dental floss, and mouth rinse are considered “general health” and not eligible for HSA coverage. Neither is teeth whitening or other cosmetic dentistry treatments.
However, you may be more pleased to learn that the more costly expenses that can occur in a dental office are eligible, such as:
- Dental fillings
- Root canals
- Dental bonding
- Tooth extractions
- Dental crowns
- General checkups and cleanings
While it is helpful to use your HSA funds to cover the expenses of these above-mentioned services, you might have a co-payment through your dental insurance plan. If so, you will need to determine how much you will be expected to pay when undergoing a particular procedure.
Why Use Them Before Your Plan Renews?
Although your HSA funds are separate from the high-deductible dental insurance plan you pay for each month, it is in your best interest to use them both before it’s time to renew. Why? Because unlike HSA funds which roll over each year, your dental benefits do not. This is why it is recommended that you schedule a second dental checkup and move forward with more complex dental treatment (i.e. root canal). This ensures you meet your annual maximum and avoid leftover funds from falling back into the hands of your dental insurance company at the end of each year or term.
Understanding the finer details surrounding your dental insurance plan and HSA-eligible services isn’t always easy. If you need additional assistance to help you get the most out of the money you put back each month, let a member of your dental team know.
About the Author
Dr. Shiloh Lindsey completed dental school Summa Cum Laude and as valedictorian at the University of Colorado Health Sciences Center School of Dentistry. Dr. Lindsey treats her patients with respect and honesty, and she values her team of skilled dental professionals. Together, they will work to help you maximize your dental insurance plan in a way that will benefit both your smile and your wallet. No matter if you’re using an HSA to cover the cost of treatment, our team is here to help. To learn which services are covered, contact us at (970) 482-3166 or visit our website.
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