HSA for America

Using Your HSA to Pay for Dental Expenses


May 31, 2005

If you've been to a dentist recently, it is unlikely you smiled when you received the bill.  Costs of most dental procedures have been rising faster than inflation.  Just a check-up and cleaning can cost up to $150.  And if you need major dental work, fees can be astronomical.  Crowns typically cost $850 - $1,000, and oral surgery can cost thousands of dollars.

Individual dental insurance plans are available, but are typically very expensive.  This is because of what is known in the insurance industry as "adverse selection" - the only people who tend to buy dental insurance are people who know they have dental problems and are already planning on using the coverage.

Unfortunately, most insurance premiums, including dental insurance premiums, cannot be paid for from an HSA.  But dental expenses certainly can be.  Because you fund your HSA with pre-tax dollars, you could easily save $500 or more off the costs of your family’s yearly dental expenses by paying for the charges from your Health Savings Account.

Prepaid dental plans are another way to help reduce your dental expenses.  These plans charge a small monthly fee (typically around $7/month for individuals, or $16/month for families), and subsequently provide significant discounts for check-ups, fillings, extractions, and other services, as long as you go to a network dentist.  Some plans also help towards the cost of glasses or contact lenses.  Because these plans are not considered to be insurance, they can also be paid for from your HSA.

So when keeping track of your eligible medical expenses that can be reimbursed from your HSA, remember to include dental fees and the premiums you pay for a prepaid dental plan.



To your health and wealth!

Wiley Long
President - HSA for America


HSA for America
749 S. Lemay Ave, Suite A3-116
Fort Collins, CO 80524
Contact Us

Click for the BBB Business Review of this Insurance - Accident & Health  in Fort Collins CO

Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.