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Are Night Guards FSA / HSA Eligible?

Are Night Guards FSA / HSA Eligible?

2nd Jan 2021

Night guards aren’t cheap—some dental offices charge close to $1,000 for them. When you’re experiencing jaw pain from teeth clenching and grinding, finding a way to afford that dental appliance and get pain relief is crucial. While many insurance plans don’t cover the night guard cost, the IRS qualifies these dental appliances as eligible medical expenses on most flexible spending accounts (FSA) and health savings accounts (HSA). Qualifying individuals use these tax-free funds to pay for out-of-pocket health care costs. With Pro Teeth Guard, you can use your FSA or HSA card directly at checkout. 

fsa hsa at checkout

Dental Night Guard FSA and HSA Eligibility

FSAs and HSAs are savings accounts that are part of many health care packages. In many cases, they can help you pay for a night guard or other dental appliances. These accounts allow you to pay for certain medical and dental expenses for yourself, your spouse, and any dependents. You can also use these accounts to help cover deductibles.

Typically, TMJ, bruxism, and related issues are included under dental expenses. This means you can use your FSA or HSA to pay for dentures, occlusal guards, over-the-counter dental night guards for teeth grinding, and custom night guards. While most plans will allow you to use your account to cover the cost of night guards, check your account details to be sure. Your account will have a list of eligible expenses that you are typically able to access online.

Occlusal guards and mouthguards are not eligible with a dependent care flexible spending account (DCFSA) or a limited care flexible spending account (LCFSA).

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How to Use Your FSA or HSA

Once you’ve determined a dental mouth guard is an eligible expense under your FSA or HSA, using those funds to pay for it is pretty easy. In many cases, you’ll have a debit card that allows you to purchase eligible items. Pro Teeth Guard allows you to enter your FSA/HSA card information at checkout and easily purchase your mouthguard. Be sure to save any receipts or other expense documentation should your employer or insurance provider ask for them later. You might also need documentation from your dentist.

dental night guard fsa eligible

Some accounts don’t provide you with a debit card and instead require you to submit a claim to get reimbursed for your night guard. In this case, you’ll pay for the night guard out of pocket and then submit a claim with proof of the expense. You may be required to include a statement that shows the night guard was not covered by your insurance plan. Then, you’ll receive reimbursement out of your account for the night guard.

Because plans function differently and may require different documentation, talk to your employer if you’re not sure how your plan works. Always err on the side of over-documentation.

What is the Difference Between an FSA and an HSA?

Both accounts allow you to save your own money to later cover eligible medical and dental expenses. The most significant difference between an FSA and an HSA is who owns the account. With an HSA, you are the owner of the account and your contributions can roll over into the next year.

With an FSA, your employer owns the account and contributions typically do not roll over. This means you’ll want to be sure to use your balance before the year is over so you don’t lose it. If you’ve been hesitant to invest in a mouth guard and you have unused funds in your FSA, a night guard for bruxism is an excellent investment to relieve teeth grinding and jaw clenching pain.

Source: FSA vs. HSA