Can I use my HSA for anything dental?
For most dental expenses, absolutely. The IRS will allow HSA payments for "diagnosis, cure, mitigation, treatment, or prevention of disease, or for the purpose of affecting any structure or function of the body." As long as the expenses are not eligible for reimbursement through insurance or other sources. From IRS publication 502: " Dental Treatment : You can include in medical expenses the amounts you pay for the prevention and alleviation of dental disease. Preventive treatment includes the services of a dental hygienist or dentist for such procedures as teeth cleaning, the application of sealants, and fluoride treatments to prevent tooth decay. Treatment to alleviate dental disease include services of a dentist for procedures such as X-rays, fillings, braces, extractions, dentures, and other dental ailments." Teeth Whitening would not be allowed. Your HSA provider should be able to provide a complete list of allowable expenses.
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