Can I use Flexible Spending Account dollars for teeth whitening?

A Flexible Spending Account (FSA) gives you the opportunity to pay for a variety of out-of-pocket medical expenses on a pre-tax basis. Dental care can certainly be a part of those expenses, but teeth whitening is not considered to be an FSA eligible expense.

Because it's considered cosmetic in nature, teeth whitening will not be reimbursed with your FSA. The IRS determines and qualifies something as “FSA eligible," including for medical services. If a service is deemed “medically necessary," you would be able to apply your FSA toward payment. In terms of dental care, a cleaning, root canal or a filling would be covered since these are seen as “medically necessary" procedures.

Other dental care that you can use your FSA for:

  • Extractions and implants
  • Dentures
  • Caps and crowns
  • Fluoride treatment
  • Orthodontia*

*Your FSAs will list specific guidelines about coverage for orthodontia. Check with your FSA administrator to discover what's covered.

Are toothbrushes or toothpastes ever considered an FSA eligible expense? Learn more about these in this blog post.

Search our extensive FSAstore.com Eligibility List to learn about additional FSA eligible expenses. If you're ever unsure about eligibility, contact your FSA administrator (or your HR department) to find out what's covered under your FSA.

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