Yes, wisdom teeth removal is eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Is Wisdom Teeth Removal FSA/HSA Eligible?
Wisdom teeth removal is often necessary to prevent or treat dental complications such as impaction, crowding, infection, or pain. Because it is performed to diagnose, treat, or prevent a dental condition, it qualifies as a medical expense under IRS Code Section 213(d).
According to IRS Publication 502, dental procedures that are medically necessary to treat or prevent disease or correct a problem are reimbursable with FSA and HSA funds. Wisdom tooth extraction—especially when it involves pain, impaction, or risk of infection—clearly meets this standard.
FSA- and HSA-eligible wisdom teeth removal expenses may include:
Oral surgery and tooth extraction fees
Anesthesia and sedation (general or local)
Pre-operative consultations and imaging (e.g., X-rays)
Post-operative medications and follow-up appointments
What’s Not Covered?
The following are not eligible:
Cosmetic or elective extractions done without medical necessity
Tooth removal performed solely to enhance appearance
Missed appointment fees
Costs not directly related to the medical or surgical procedure
To qualify, the service must be provided by a licensed dentist, oral surgeon, or medical professional for a valid dental health reason.
How to Use Your FSA or HSA for Wisdom Teeth Removal
To use your FSA or HSA for wisdom teeth removal:
Use your FSA or HSA card to pay the provider directly
Ask for an itemized invoice showing the procedure details, provider information, and service date
Retain documentation in case your plan administrator requests verification of medical necessity
For further guidance, refer to IRS Publication 502.
