They are designed to provide benefits for a single calendar year, which means for 12 months, you can use the available money provided to improve, repair, and restore your oral health. Why Use HSA and Dental Insurance Before the Year EndsĪlthough most HSAs allow you to roll over your unused funds from year to year, most dental insurance plans do not. Those not covered include cosmetic dentistry (i.e., teeth whitening, veneers, etc.) and products used to maintain good oral hygiene daily, such as a toothbrush, toothpaste, dental floss, and mouthwash. The most common dental treatments eligible for HSA use include: There are stipulations involved, so before you commit to any sort of recommended treatment, check with your insurance company to find out if you can use your HSA to cover the expenses. Unfortunately, you cannot just use these funds for any health-related problem or service. Your HSA is a great benefit to use if you want to keep your out-of-pocket expenses low when visiting the dentist. Qualifying Dental Treatments to Use With Your HSA But which ones? And how can it be used in combination with your insurance plan, especially before your benefits expire? In this article, a dentist answers all these questions to help you get the most out of your available coverage while working to improve your smile. Also referred to as a health savings account, you can use these available funds to help pay for certain dental treatments. Do you have a high-deductible dental insurance plan? If so, you may also have an HSA.
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