Fluoride Rinse: FSA Eligibility

Fluoride rinse with a Letter of Medical Necessity (LMN) from a medical doctor or dentist is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), or a limited care flexible spending account (LCFSA). Fluoride rinse is not eligible with a dependent care flexible spending account (DCFSA).

What is Fluoride rinse?

Fluoride rinse is a type of mouth rinse helpful to children with a history of cavities and/or a high risk of tooth decay as determined by a medical professional.

Fluoride is a naturally occurring element that strengthens the teeth and makes the tooth surface more resistant to acid-based damage from bacteria that live in the plaque on the teeth.

Fluoride rinses may be Over-the-Counter (OTC) or prescription strength. Fluoride rinses are intended for use mainly on children aged 6 months to 16 years old. They can help prevent tooth decay in children and adults, however. Fluoride rinses will be absorbed through the surface of the teeth.

Tooth decay risk can be generally assessed by four factors, including the history of cavities, the frequency of dental visits, the quality of brushing habits, and dietary and snacking habits.

Fluoride rinses do not remove plaque. Fluoride rinses are also not a substitute for brushing and flossing. Fluoride rinses are only for the purpose of strengthening tooth enamel to defend against acid-based damage from bacterial plaque.

Fluoride rinse is sometimes eligible, if a doctor's note or dentist's note indicates the item is needed to alleviate or treat a medical condition, and the individual would otherwise not have purchased the item 'but for' the medical condition; ineligible if for general health.

Eligibility Table

Flexible Spending Account (FSA) Limited Care FSA Dependent Care FSA Health Savings Account (HSA) Health Reimbursement Account (HRA)

Eligible

Eligible with Rx

Eligible with LMN

Not Eligible

Specifically Not Covered

Eligible expenses for Limited FSAs can vary. To find out exactly what your Limited FSA covers, contact your FSA administrator.

Legal Information / Regulations

Information Letter 2009-0209

 


AZ-PROD-WEB01 11/20/2017 4:00:47 AM