One of the first things that are noticed by the people in your personality is your smile, which is not only a reflection of your mood but your health as well. That is the reason why dental care is essential for your well-being. Though it is not easy to afford these expenses which is why we seek insurance plans and saving accounts. 

In this article, we will probe can HSA be used for dental expenses? If yes, then what services come under the coverage of HSA and how to use it. 

What is HSA for Dental Treatment?

A Health Saving Account or HSA is a medical savings account that was first made available in 2003 and is a type of individual personal saving account that you can use to cover medical expenses. Money can be deposited in the HSA account where the withdrawal of the money is tax-free in eligible services. 

You can easily contribute to an HSA when you are insured in HDHP. You cannot contribute to HDHP if you indulge in Medicare or a plan that contributes to a covered treatment without paying deductibles first. People always think can HSA be used for dental expenses or treatment.

HSA for dental treatment can be made easily available through insurance companies, banks, and other financial platforms. The money can be deposited tax-free and can be utilized for services that do not come under your insurance such as doctor’s appointments, purchasing hearing aids, prescribed drugs, therapies, and long-term care that is not qualified for insurance.

HSA for dental treatment

Benefits of HSA Dental Expenses

According to one study, only 55% of the total population in the United States has dental insurance coverage. This may also imply that when most people experience a toothache, they turn to their friends and family for help because they lack the purchasing power to obtain this service.

For all those who are wondering “can HSA be used for dental expenses?” then the answer is Yes. HSA dental coverage provides several benefits and eases to people who either do not have any other dental coverage or have a fixed income. It helps in covering dental expenses by minimizing the out-of-pocket expenditures that come at the end of the year particularly when you are seeking some sort of dental treatment.

Usage of HSA for Dental Expenses

HSA coverage suits you well in qualifying medical expenses for yourself, your wife, and other dependants. The point to ponder is what are the medical expenses that qualify for this coverage? Simply, it is a vision, dental, medical, or prescription expense that isn’t covered by insurance. It has been classified by the IRS as an expense that can be paid with your HSA.

The thing is what criteria does the IRS use to assess eligibility? If we see the IRS website, these are the services that include a visit to your dentist, necessary medications, assistive products like braces, or other therapy programs that are medically necessary to cure, relieve or take care of any specific condition. The question arises, in dental expense, what can I use my HSA for?

Does HSA cover Dental?

So, it’s evident that an HSA card can be used easily for your dental expenses. Digging it further, let’s discuss what services come under the dental expense of HSA coverage? See the services that qualify and do not qualify for the dental expense of HSA coverage. We will also see details about a dual-purpose expense too.

Dental Services: What can I use my HSA for?

As per HSA policy, the qualifying services include:

  • Crowns & fillings
  • Teeth cleaning
  • X-rays
  • Braces
  • Fluoride treatments
  • Extraction of the tooth that is not more viable
  • Non-cosmetic dentures and dental implants 
  • Denture adhesive and other over-the-counter drugs and supplies

Services that do not qualify for dental expense

As per HSA policy, the not qualifying services include:

  • Teeth whitening
  • Cosmetic dental procedures
  • Basic health items like mouthwash and floss

How to use HSA?

The first step in making use of HSA is to open one. Start off by opening an account in a bank and transferring the amount into your HSA. Manual Contributions can be added to your HSA account at any time. Does HSA cover Dental? The simple answer is ‘Yes’, it does!

You can add funds to your HSA account from any other account, even then the money remains yours. So when you think HSA can be used for dental insurance then Yes it can be one of the best options through which you save your money for medical emergencies.

It is necessary to keep in mind that HSA should only be utilized for medical and health expenses as it will lead to the fabrication of IRS and will be held accountable for punishments if the money is spent otherwise.

health savings account hsa

How can HSA help you in saving money?

If you are fortunate enough not to require the entire amount in your account for medical expenses of any kind, the money will remain in the account and be available for use whenever you want. 

The really good news about this plan is that there are no limits on how much money you can deposit into your account each year, and there are no limits on how much money you can leave in your account, allowing it to pile up tax-free!

So gone were the days when dental services were too expensive to be covered with out-of-pocket money. There are several other options available as well for dental coverage that charge low monthly fees to individuals it and families. 

They feature several services such as checkups, extractions, and other dental care packages which are provided by the network of dentists. Since these plans do not fall under insurance coverage, this instance can be cleared by Using HSA accounts. 


There are not many health insurance companies that offer you coverage or can say give you dental or eye care services. Can HSA be used for dental expenses? So for the point, whether an HSA is used for delta expenses then Yes.

HSA saving accounts help you to carry your money forward next year and the process continues till you need it and can be passed on to your heir upon death.