Yes, orthodontist services are eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA) when the treatment is medically necessary to prevent or treat dental or jaw-related issues.
Why Are Orthodontist Services FSA/HSA Eligible?
Orthodontic treatment involves correcting misaligned teeth and jaws, which can cause problems with chewing, speaking, and overall oral health. When the purpose of treatment is to prevent or alleviate a dental condition, it qualifies as a medical expense under IRS Code Section 213(d).
According to IRS Publication 502, dental treatment that is primarily for medical care—not cosmetic purposes—is reimbursable with FSA or HSA funds. This includes braces, aligners, retainers, and other services provided by a licensed orthodontist.
FSA- and HSA-eligible orthodontic services may include:
Traditional braces
Clear aligners (e.g., Invisalign®)
Retainers and post-treatment monitoring
Consultations and x-rays for orthodontic planning
Palatal expanders or headgear when medically necessary
Monthly payment plans, as long as payment corresponds to treatment received
What’s Not Covered?
The following are not eligible:
Orthodontic care performed solely for cosmetic reasons (e.g., improving appearance without a medical diagnosis)
Whitening services or cosmetic dental treatments
Missed appointment fees or prepaid treatment not yet received
Over-the-counter products like cosmetic aligners without medical supervision
To be eligible, the treatment must be medically necessary, not purely cosmetic, and provided by a licensed orthodontist.
How to Use Your FSA or HSA for Orthodontist Services
You can use your FSA or HSA card to pay directly at your orthodontist’s office. If you are enrolled in a payment plan:
Ensure payments align with services already received (not prepaid in advance of care)
Keep an itemized treatment plan and payment agreement
Request documentation showing medical necessity from your provider
Submit receipts and documentation to your plan administrator if needed
For full eligibility guidance, refer to IRS Publication 502.
